1.	Shop and hospital car parks CAN'T fine you. If a private company gives you a parking ticket, it's NOT a fine (only councils can issue one), just an invoice for alleged breach of contract. If you think it's unfair, write to explain and reject it. Full info in unfair private parking tickets.

2.	There's no such thing as a credit rating or blacklist. Each lender scores you differently based on its secretive wish-list for a perfect customer. So one rejecting you doesn't mean others will too. See Boost your credit score.

3.	You can switch ISA to boost interest – check NOW! Many assume once money's in a cash ISA, it's a done deal. Providers take advantage and drop rates as low as 0.1% — check yours now. Yet you've a right to transfer and keep it tax-free, fill in the form from your new provider (never withdraw money). Northern Rock 3.05% AER* is top-paying easy access cash ISA. Full info in Cash ISAs and ISA Transfers.

4.	Dual fuel energy is NOT always cheapest. Everyone should compare to see if they can save £100s on energy bills. Don't assume dual fuel (gas and electricity from same supplier) is cheapest, standalone gas and electricity suppliers sometimes win, so check both. Full info & how to get £30 cashback or wine in the Switch Gas & Electricity guide.


5.	You can buy advance train tickets at 5pm the day before. Everyone knows advance tickets are cheaper, but few realise you can often buy advance tickets the night before or, possibly, on route to the station (train firms' official policy is they're available till 6pm the day before, but some sell them even later). See Cheap Train Tickets.

6.	3rd party car insurance isn't always cheapest. Bizarrely, 3rd party policies, which only cover the other party's costs, can be pricier than fully comp which protects you too, as by choosing 3rd party, insurers can consider you a higher risk. Always check both — see the Cheap car insurance guide.

7.	Don't set buildings insurance at home's value. This a common mistake, leaving many paying too much. You should cover the cost to rebuild if knocked down. Calcs and ways to cut costs in Cheap Home Insurance.

8.	Put £3,000 in a 10% year-long regular saver and you won't earn £300. It'd be roughly £150 — this confuses and annoys many. You only get interest on cash in the account at the time. As you drip-feed money monthly, it's only all in there at the end, so average interest is about 10% of half the final balance. The top deal is an 8% regular saver.


9.	If it advertises 8% APR you could be charged 15%. Almost every loan and credit card APR is now 'representative' meaning only 51% of accepted applicants get it, the rest pay more. Worse, the only way to know the rate is usually to apply, hitting your credit score. Plaudits for Nationwide*, as it uniquely tells you the rate before applying. At 6.4% rep APR, it's cheapest for £7,500 to £14,999 loans. Full info & best buys in Cheap Loans & Balance Transfers (Official APR example).

10.	Shops don't need to honour price glitches. Shops aren't obliged to sell anything to anyone. If a £200 Nintendo has a £10 price tag, it can refuse to sell at that price. Once you've paid in-store, it's effectively a done deal (online it's once delivered). If the mis-price is deliberate not an error, it's a criminal offence, so report to Trading Standards. See Consumer Rights.

I'm taking a break this week so the email's in the MSE Team's capable hands.

Merry Xmas, Happy Chanukah & Season's Greetings.

Wishing all MoneySavers a merry Chrimbo. In lieu of prezzies, as we try to open people's eyes to saving money, we've bought The Gift of Sight for 100 people in your name. If you're looking for something from £1 to big money, see our Charity Christmas Gift guide.

Give the gift that keeps giving —
pls tell someone about this email

Suggest friends/family/colleagues get this free weekly e-mail from moneysavingexpert.com/tips

THE ONES NOT TO MISS

21 Dec 2011

How tight are you? Take the test
Is Ebenezer Scrooge your idol? Would you haggle in Poundland?
Do you open your wallet so rarely it's not moths that appear, but pterodactyls? Or are you so bad you couldn't hold onto your cash in Fort Knox? Find out, take our fun Christmas 'How tight are you?' test and challenge your friends.

A little tightness is good. MoneySaving is about cutting bills, not cutting back — unless you need to. Tightness goes further, it includes thrift and being less than generous. Hopefully our a little tongue in cheek test covers it all. The aim is balance. Scoring nowt makes you a wastrel, scoring 100%, a miser, not MoneySaver.
How tight are you compared to... Phillip Schofield once called me (Martin) "the tightest man in Britain", but I'm proud the stats now prove that ain't true. In fact, and I may get in trouble for saying this, I'm not even the tightest in my own home, nor here at MSE Towers...

Martin Lewis
MoneySavingExpert
Tightness: 41%

Lara Lewington (Lewis)
(aka Mrs MSE)
Tightness: 51%

Michael Laguisma
Tightest at MSE Towers
Tightness: 78%

Take the 'How tight are you?' test

FREE mini £8.50 L'Occitane body lotion. Posh smellies shop L'Occitane is giving away 75ml body lotions (while stocks last) — just fill in a form by 24 Dec for voucher. Forumites love it. Deals Note: L'Occitane Deals

Last Min Xmas Vouchers	Body Shop 30% off	Gap 15% off (email sign-ups)	M&S £5 off £25 (O2 custs)	Urban Outfitters 15% off	Burton free P&P (worth £3.95)
	In-store voucher Ends Sat 24 Dec	Mobile phone vouch Ends Sat 24 Dec	In-store voucher Ongoing	Online code Last orders 11am Thurs	Online code Last orders noon Wed
					See all vouchers

FREE Xmas gift cheques: pledge to do something nice
A 'massage' (nudge nudge) for your loved one | Babysitting for a friend | Wash the car for dad
It's a way to give without paying a penny. Pledge your time, not cash, by printing our new free Christmas gift cheques.

Christmas calls overseas for 45p an HOUR
Special numbers slash costs for calling abroad | The CallChecker finds the cheapest for EVERY country
If you've friends or family overseas, phoning them this Christmas can be costly. Call Australia on BT daytimes and it's £17 an hour, on Virgin £27. Yet there are ways to slash bills...

It's free web-to-web. If you AND the other person are online, talk for free anywhere in the world over the web via the likes of Skype* or VoipBuster. Some smartphones also let you download apps to do this via wi-fi or 3G. Yet for web to phone, don't believe the Skype hype: Calling overseas mobiles & landlines is much cheaper by using the special numbers below.
Instantly find cheapest way to call USA, Oz, India etc. Our free International CallChecker finds the cheapest number for each country from landlines. Many countries are just 0.5p/min (45p/hour incl connection charge) and most are under 5p/min.

It searches a range of companies that let you call overseas super-cheap without changing provider or setting up an account. Simply dial a prefix, then dial the normal number, it's billed to your home phone. They're no-frills providers, so don't expect quality service, just cheap prices.
Don't call friends overseas on their UK mobiles. You pay the standard UK rate, but they pay extra to receive. It is often far cheaper overall to find a landline number (eg, hotel room) to call them on using a cheap calls provider.

Get FREE £10 Currys voucher with £5 blender. Bag £10 no min spend voucher when buying selected Currys gadgets – sneaky forumites found it works on £5 blender, so you end up £5 in profit. Full details: Currys Vouchers

£17/year last minute travel insurance. All Europe cover via Moneysup: Annual : Virgin*: £17 individuals (£26 winter sports), £31 families | Single trip: Debenhams*: £10 individuals, £20 families (incl winter sports) ALL prices and warnings in Full Guide: Travel insurance

Forum Hottie

M&S 50% off Xmas cards, wrap & crackers. Incl 4m Santa wrap £1.50, 12 crackers £4.75, 10-pack cards 75p etc. Ends Thurs online, Sat in-store. Hot with forumites. Deals Note: M&S Sales

Did you switch energy on the doorstep? You may be owed £100s
Scottish & Southern, Southern Electric, Atlantic & more will refund mis-sold customers

Doorstop energy mis-selling has been rife for years. Five of the big six firms have suspended such sales, regulator Ofgem is investigating and one big provider has agreed compensation. Full help in our Energy Mis-selling Compensation guide, here's a taster...

400,000 SSE doorstep customers may've been mis-sold. Huge provider Scottish & Southern Energy, which includes Scottish Hydro, Southern Electric, Swalec & Atlantic, will write to 400,000 switched on the doorstep between Oct 09 and July 11 to see if they were mis-sold.

Details are sketchy but wrong promises, such as "we're the cheapest" or "your direct debit will be lower" could qualify. Call its mis-selling hotline 0845 0707388 for help.
Did they lie? It's not just SSE. If you were unwittingly switched (eg, they forged your signature), were sold on false claims or even told Martin Lewis or Ofgem recommended the firm, you may be due cash. Complain to your supplier then, if rejected, the free Energy Ombudsman. Template letters in the Energy Mis-Selling guide & read an energy salesman's confession.
"£150 back after ending up in debt." To inspire, MoneySaver Sarah says: "I switched to Npower via a door-to-door salesman, who claimed I could save. The direct debit was too low and we ended up £500 in debt. Following MSE's guide, I complained to Npower. It offered £150."
Never switch at the doorstep or by cold call. Use the web. There are £100s of savings when switching to a better tariff. Use Consumer Focus-approved cross-market comparison sites. Top Comparison: Energyhelpline* pays £15 cashback per switch, whether gas, electricity or both. Dual Fuel: MoneySupermarket* £30, uSwitch* a crate of wine (cashback/freebies only via these links) and SimplySwitch* pays £40 cash.

For full details see the Guide: Energy Mis-selling Other reclaiming: Free PPI reclaiming, Bank Charges, Council Tax

Pizza Hut 2for1 over Xmas & new year. Fed up with festive nosh? Code gets you 2for1 pizza for delivery when you buy a side or 2for1 pizza for collection until New Year's Day, incl Boxing Day. Deals Note: Pizza Hut Deals

Track Santa as he delivers prezzies. Check out this nifty site to watch Santa's progress bringing gifts for your little (and not-so-little) ones. See Forum Note: Track Santa


	Tell friends about us! They can get this free every week

Thank you. You MADE MPs take financial education seriously. MPs in the Commons debated compulsory financial ed in schools on Thursday due to 100,000 of you signing our e-petition. Schools Minister Nick Gibb agreed to make it part of the curriculum review. MSE News: Education pledge and Ed Balls's support Martin's Blogs: 'I almost got kicked out of Commons' , Who said what in debate, Full transcript

Jan sales now!	Next at least 50% off	Debenhams up to 70% off	Laura Ashley up to 50% off	Kurt Geiger up to 50% off	T.M Lewin up to 60% off
	Boxing Day Starts 6am	From Fri 23 Dec More info to come	Ends Sun 29 Jan Eg, poppy mug £4	While stocks last Eg, patent heels £25	While stocks last Eg, men's shirt £22.50
				See all High Street Sales

Buy £50 of taxi fares for £20 - selected London cabs only. Online black cab booking service GetTaxi is selling £50 credit for £20 - must book 'em via a smartphone app. Valid for multiple journeys in London zone 1-3. Full details in the Deals Note: £50 taxi fares for £20

Send money to family/friends overseas for 99p
Slash the cost of sending Xmas cash abroad | Don't fall for costly bank traps

Whether for a Stateside nephew, or a backpacking daughter, transferring money overseas doubles the currencies, complication and cost. Doing it in a bank could cost £25. We've updated our Sending Money Abroad guide, including your protection if it goes wrong. Here's a taster...

Not urgent? Send small amounts for 99p. You can send up to £2,500 for 99p with Travelex's SendMoneyNow service. You get the normal holiday cash rate, it takes five days and it goes to the recipient's account. For 3-day transfers, the Post Office* (min £250) charges no fee but has worse rates. Anyone with a Paypal account can use that, though it's pricier (full info in guide).

Rates on all those services are fine for small amounts, but if you send a few thousand, the loss on currency conversion is likely to offset low fees so consider big currency players such as HiFX* or Moneycorp.
Cheapest same day money transfer service £12. There are two major agencies: Money Gram (£12 per £100, up to £49 for £1,000) undercuts the more famous Western Union - both offer same-day service online or via an agent (eg, Post Office branches).
Regular cash — make them 2nd cardholder on specialist overseas card. If you send cash regularly to someone you trust, get a specialist cheap overseas credit card that gives the top exchange rates. These include Halifax Clarity, Post Office* and Saga* (over 50s). Make the other person the second cardholder, so they can spend or withdraw at minimal cost. Pay off in full or they're 12.9%, 16.9% or 11.9% rep, APR respectively. For all charges, see Cheapest Overseas Spending.
IMPORTANT. How safe is it? If you use a money transfer, no compensation scheme exists if the company goes bust, though you can complain to the Financial Ombudsman if they mess up your transfer. Plastic is safer as money in the bank is protected up to £85,000 per institution, though beware card fraud in an unfamiliar country.

For full details, plus more pros and cons, read the New Guide: Sending Money Abroad plus see Related: Cheap Travel Money, TravelMoneyMaximiser, Official APR Examples

£15 The Nutcracker ballet tickets at London's O2 (were £55). Special link slashes the cost of seats for shows until 30 Dec 2011. See Deals Note: The Nutcracker Deals

Last
Min Xmas
Pressies

Wii console
& games £95

Mio Sat Nav
£50

Terry's Choc Oranges £1

Send goats, feed families

Instant gift vouchers
incl Boots, ASOS

FROM Fri 23 Dec
Collect in-store

Until stocks last
Collect in-store

Until Thursday
In-store

Instant
Give the gift of charity

Ongoing

Send it direct or print out

See all Xmas bargains

LAST order dates if you pay— still might beat the high st. There's still time to buy prezzies online for a premium, but online savings may dwarf the delivery cost. Amazon orders by 8.30am on 24 Dec can get evening del for £15 in some cities. Full Guide: Last Order Dates or postpone till Jan sales with IOU generator

Chargeback — the hidden weapon on your DEBIT card
Financial self defence | In troubled times there's a little known extra route to get money back

Major retailers are under pressure and no-one knows if another may go under, so buying any goods carries risk. Our new Visa / Mastercard chargeback guide explains the little-known protection you have with debit cards, to add to Section 75 credit card protection. Here's a taster....

Spending over £100 — a CREDIT card is safest. We've yelled many times the strongest protection is the Section 75 law that means credit card firms are jointly liable if something goes wrong with purchases over £100 (max £30,000). This gets money back if a supplier goes kaput or if goods are faulty. The card firm must refund you, as per your Consumer Rights.
£16,000 back for putting £100 deposit on the card. You get these rights even if you only pay 1p on the card and the rest in cash. We heard a MoneySaver's great success: "I paid £15,991 for a new car but before I took delivery the trader went into liquidation. Thankfully, I had paid the £100 deposit on my credit card, so I made a Section 75 claim. It took six months but I received a credit to my card of the whole amount back."
Use chargeback for debit cards, or credit cards under £100. Both Visa and Mastercard offer 'chargeback' schemes (Amex too). These aren't legal like Section 75, but part of the rules banks must sign up to, to offer these cards. You claim money back within 120 days if the retailer hasn't fulfilled its side. Full details in the new Visa & Mastercard Chargeback guide — here's a typical success: "Moben went into administration and left us with two missing doors, so we bought doors ourselves and had them fitted. I sent the template letter to my bank plus our carpenter's bill for about £600, and have discovered a credit in my account for £800. Great result."

New top 3.2% easy access savings. Online 'Internet Extra' account from The AA pays 3.2% AER including a year-long 2.7% bonus — so after that ditch and switch to a better rate. Full info & alternatives incl fixed rates and ethical options in the Updated Guide: Top Saving

Can't find what you want? Try the new MSE search. Your biggest complaint about MSE is we're so big you can't find what you need. So we've boosted the main site search, please try it and feedback.

Restaurant Vouchers	Discount Vouchers	Top Deals
Coca Cola 2for1 (designated drivers)	M&S £5 off £25 (O2 custs)	2for1 Arthur Christmas Odeon tix
Slug & Lettuce 25% off food	Body Shop 30% off	£119 classic Uggs with 30% code
La Tasca 2for1	Burton free delivery	1,000 Tesco pts on £50 groceries
Auberge 2for1	Gap 15% off	No7 Protect & Perfect £7 off
Sizzling Pubs 2mains/drinks £10	Currys £10 voucher	Amazon hidden Xmas bargains
All Restaurant Vouchers	All Discount Vouchers	More Deals

Big & Easy Ways To Save
Quick links or click the titles for full pros, cons, alternatives & more savings

See all official APR examples

Home Insurance: Use as many as poss of GoCompare*, MoneySup*, CompareTM*, & Confused* + Direct Line* & Aviva* that they miss
0% Balance Transfers: 0% 22 mths, 2.9% fee: Barclaycard* (+ £30 Amazon voucher for £3k+ transfers), 17.5% rep APR. 22 mths, 3.5% fee: Halifax* (17.9% rep APR). 0% 20 mths, 2.99% fee: Virgin* (18.9% rep APR)
Car Insurance: Use both MoneySupermarket* & GoCompare*, add Direct Line* & Aviva* that they miss then get cashback. Also see: Van, Motorbike
Top Bank Accounts: Free £130 inc Amazon voucher + 5% interest + 0% overdraft: Santander*. Free £100 + top cust service: First Direct*. £5 per mth: Halifax*
0% For Spending: Tesco* 0% for 15mths & earn Clubcard pts (16.9% representative APR) or M&S* 15mths 0% plus 0.5% back in vouchers (15.9% rep. APR after)
Cheap Broadband: Plusnet* £6.49/mth (plus £25 connection) up to 10GB download
Boost Your Income:Over 50 ways to bring in extra cash
Cheapest Line Rental: Primus* £6.79/mth, BT* £120/yr (equiv to £10/mth)

MORE MONEYSAVING

Over £1 million donated to charity by MSE. We just noticed we're over this barrier. Since MSE was founded in 2003, we've given £1.15m to good causes; over £600,000 to The MSE Charity which gives grants to other charities to help on debt and finance info, plus Recycle has received £79,000, Samaritans £55k and CAP UK £51k. More info: MSE Charity Fund, How this site is financed

CHEAP FLIGHT SALES ALERT:
Airline: Ryanair Price: £9.99 Ends: Thur 22 Dec
Our pick this week is the Ryanair £9.99 each way sale: The sale's on till Thur 22 Dec, it includes some taxes & charges. It's for flights until Thur 22 March 2012. To find them quickly use the FlightChecker on a £15 max search. Extra charges warning: Avoid payment and check-in charges, see the Budget Airline Fee Fighting guide. Related: Cheap Flights, Cheap Hotels, Spending Abroad, Cheap Currency, Travel Insurance

The world's changing – economics video for 13 year olds. Innovative attempt by the London School of Economics (LSE) to explain global economics to teens (adults may enjoy too). See LSE lectures

Over £1 million donated to charity by MSE. We just noticed we're over this barrier. Since MSE was founded in 2003, we've given £1.15m to good cause; over £600,000 to The MSE Charity which gives grants to other charities to help on debt and finance info, plus Recycle has received £79,000, Samaritans £55k and CAP UK £51k. More info: MSE Charity Fund, How this site is financed

Join the Christmas day party in the MoneySaver's Arms. Why not pop into the MoneySaver's Arms, the MSE forum's virtual pub, on Christmas day to join the annual party?


	Spill the beans... on cooking Xmas dinner for the first time Putting on a Xmas meal for the whole family's stressful for even the most seasoned cook, so share your tips on how to ease the pressure. Spill 'em: Cooking Xmas dinner for the first time Past topics: View all

Free Book Giveaway. The Blizzard. 50 blagged for MoneySavers. Want one?

Free lunches if you're elderly and alone over Christmas
The 'Companionship at Christmas' scheme provides free Christmas dinners and overnight stays at 120 houses to older people who are alone, thanks to charity Abbeyfield. Suggest yours: Charities, community groups & campaigners, please send your campaign of the week idea.

Real Life MONEY MORAL DILEMMA:
Should I still get him a secret Santa present?
This week's MoneySaver who wants advice asks...
We're doing a secret Santa at work, £5 max. I'm not fond of the guy I picked, and overheard him talking about who he picked (a close colleague) and that he'll give her something rubbish. Should I tell my friend? And should I still get him something? Enter the Money Moral Maze: Should I still get him a secret Santa? Previous MMDs: View All Suggest: A Money Moral Dilemma

Spill the beans... revealed The best ever secret Santa prezzies
Last week, we asked for secret Santa gift ideas. Tips included a mug hamper, hitting pound shops & Amazon books.


Quick Forum Tips	Andrea's Freebies

Top pick! Sainsbury's Xmas baking kit £2. Was £14. Icing on the cake	Kid's Xmas activity
Tesco Finest British ham on the bone £8. Was £16. What a porker	e-books
400g Dairy Milk bar £2 at Co-op. Chocs of fun	Moshi Monster virtual gifts
£18 Lego City plane. Was £36 at Argos. Toy-riffic	Richer Sounds umbrella for over 50s
Debt Free Wannabe chat of the week: What have you NOT spent on Xmas?
Competitions thread of the week: Magners 17 days of Christmas
Old Style (Thrift) Board thread of the week: Portion sizes for children
More Tips: Tips, Tricks & Treats	Try: Freebies Roulette

Martin's Stuff

Cheap Travel Cash

Latest Blogs
Read letters from blind children to Santa
The MSE Christmas pub quiz 2011 results
Parliamentary participation – I almost got myself kicked out
Financial education in the House of Commons – who said what
What do I do if my MP is the Speaker?

Appearances This Week: Wed 21st - Tues 27th December
Lorraine, ITV1, Thurs, between 8.30 & 9.30am. Consumer rights.

UK's Best Currency Rates
£100 will buy you:
		Best	Worst
	€	118.91	106.96
	$	155.42	140.18
	TL	287.00	262.97
Rates correct at 4:30pm Tues
Find all top currency rates Compare travel cash

Martin's Facebook Page

All Martin's Appearances

Cheap Travel Money Guide


	BOARD OF THE WEEK: Up your income This board's great to discuss the best and worst ways to earn a little extra cash. Recent topics include best survey websites, medical trials and cash for clothes. Related: Boost Your Income

Question Of The Week

MoneySaving Polls

Q. I have been told I must switch to digital, or I will lose TV access from April 2012; but I can't afford to replace my old TV. What can I do? Sham

MSE Becca's A: Contrary to what you may have thought, you don't need to fork out on a new TV to 'go digital' — all you need is a digital set-top box. These can cost around £15, and once plugged in, will convert your old TV from analogue to digital.

You'll have access to all the channels you're used to, such as BBC1 and ITV1, plus you'll get extras such as BBC3, E4 and ITV2.

This week's poll:

What's your favourite company?

Last week's poll result:

Would you cancel Xmas?

51% of men have a heady dose of Scrooge in them, voting to scrap Christmas altogether.

The women have a slightly more festive spirit, with 59% voting to keep it, compared to 41% against.

Suggest a question of the week (big general issues not personal Q's pls)

See Full Results


	Archna's FREE GAME OF THE WEEK: Bloons Christmas

Letters from blind children to Santa (get your tissues ready)

That's it for this week, but on this Christmas week, the RNIB kindly sent us some beautiful bitter-sweet messages to Santa, as a thank you for supporting its campaign. We think we may be allergic to them, as there are wet eyes throughout MSE Towers – letters from blind children to Santa.

We hope you save some money
Merry Christmas and happy holidays
Martin & the MSE team

Important. Please read how MoneySavingExpert.com works

We think it's important you understand the strengths and limitations of this email and the site. We're a journalistic website, and aim to provide the best MoneySaving guides, tips, tools and techniques - but can't guarantee to be perfect, so do note you use the information at your own risk and we can't accept liability if things go wrong.

What you need to know

This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances - and remember we focus on rates not service.
We don't as a general policy investigate the solvency of companies mentioned, how likely they are to go bust, but there is a risk any company can struggle and it's rarely made public until it's too late (see the section 75 guide for protection tips).
We often link to other websites, but we can't be responsible for their content.
Always remember anyone can post on the MSE forums, so it can be very different from our opinion.

Please read the Full Terms & Conditions, Privacy Policy and how this site is financed. Martin Lewis, MSE, Money Saving Expert, MoneySavingExpert and Moneysavingexpert.com are registered trademarks belonging to Martin S Lewis.

More about MoneySaving Expert and Martin Lewis

What is MoneySavingExpert.com?

Founded in February 2003, it's now the UK's biggest consumer help website with over 6 million people getting this email and nearly 10m using the site. Its focus is simple: how to save cash and fight for financial justice on anything and everything. The site has over 30 full time staff about half of whom are editorial researching, analysing and writing to continually find ways to save money. More info: See About MSE

Who is Martin Lewis?

Martin set up and runs MSE, he's an ultra-focused money saving journalist and consumer campaigner. He has regular slots on Daybreak, Lorraine, Radio 2 Vine, BBC1 Watchdog, Radio 5 Consumer panel and presents ITV Tonight. He is a columnist for amongst others the Sunday Post as well as an author. More info: See Martin Lewis' biog

What do the links with a * mean?

Any links with a * by them are affiliated, which means get a product via this link and a contribution may be made to MoneySavingExpert.com, which helps it stay free to use. You shouldn't notice any difference; the links don't impact the product at all and the editorial line (the things we write) isn't changed due to it. If it isn't possible to get an affiliate link for the best product, it's still included in the same way. More info: See how this site is financed.

As we believe transparency is important, we're including the following 'un-affiliated' web-addresses for content too:

Unaffiliated web-addresses for links in this email

moneysupermarket.com, northernrock.co.uk, nationwide.co.uk, skype.com, energyhelpline.com, uswitch.com, simplyswitch.com, postoffice.co.uk, hifx.co.uk, saga.co.uk, gocompare.com, comparethemarket.com, confused.com, directline.com, aviva.co.uk, barclaycard.co.uk, halifax.co.uk, uk.virginmoney.com, santander-products.co.uk, firstdirect.com, money.marksandspencer.com, plus.net, productsandservices.bt.com, homephonechoices.co.uk

Financial Services Authority (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, Charecroft Way, Shepherd's Bush, London W14 0EH is authorised and regulated by the Financial Services Authority.

To change your E-mail or stop receiving the weekly tips (unsubscribe): Go to: www.moneysavingexpert.com/tips