Archive: MoneySavingExpert's Money Tips Email
Over 50 ways to save, incl... 'End of cheap mortgages', 17 Netflix hacks, 27mths 0% FEE-FREE, £148 nail polish £35, cheap AA/RAC, Martin broadside at Parliament, Klarna warning, energy update, 9GB Sim £5/mth
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DON'T believe the fake 'Martin Lewis' or 'MSE' ads |
If you can't clear your credit card debt, then you can't afford not to try to shift it to 0% A balance transfer is where you get a new card that pays off debt on old cards for you, so you owe it instead, but at 0%. Your repayments then clear the actual debt, rather than just cover the interest, so you're debt-free quicker. Most longer 0% deals charge a percentage of the debt shifted as a one-off fee, so we usually say 'go for the card with the lowest fee in the time you're sure you can repay', but right now as one of the market's longest is effectively fee-free, it makes it far easier...
a) Never miss the min monthly repayment, or you could lose the 0% deal and it'll cost far more. Full help and info, including options for poorer credit scorers, in Best balance transfers (APR examples). |
Beware using Klarna's new 'pay now' service - you may lose vital protections. See our Klarna MSE News story. Netflix and chill (out) about the cost: watch Squid Game, You and others for less. See our 17 Netflix hacks. Watch Martin launch scam ads broadside to Parliament - 'it's a ludicrous plan'. In a no holds barred evidence session to both Houses, Martin passionately called for SCAM ADS TO BE IN THE NEW ONLINE SAFETY BILL and for making big tech legally responsible, as a scams epidemic is damaging 100,000s of people's wealth and mental health. He said the ludicrous plan to include user-generated scams in the bill but not scam ads is an incentive for criminals to just pay to promote posts to avoid the rules. He even wished it was Boris Johnson's face scammers used not his, as then online scams would definitely be covered by the bill. £148 of Ciate nail polish for £35 via Advent calendar code. MSE Blagged. See Ciate Advent code. John Lewis' £100 voucher if you do BIG spends there is back. If you NEED a new TV, freezer etc soon, check John Lewis' prices as you may get £100 back in vouchers if you buy before 1 Nov. See our full John Lewis big spends analysis for how it compares. Big car & home insurance rule change means cheap switchers' deals may end soon. If you missed Martin's car & home insurance rule change warning last week, it's an important read, and worth acting on soon even if you're not at renewal. It resulted in our success of the week, as Steve emailed: "Great info about the potential premium increases. Have now switched and saved over £400 on home and car insurance. The car cover was mid-term, but even with the 'admin' charges it was worth changing." Please send us your successes on this or anything else. 9GB Sim from BT's Plusnet just '£5/mth'. MSE Blagged. With this 1yr deal, newbies to Plusnet* (uses EE's signal) get 9GB/mth data and unlimited calls & texts. You pay £7/mth, but are sent a £20 prepaid Mastercard - factor that in and it's equivalent to £5.34/mth over the year. Need more/less data? Use our powerful Cheap Mobile Finder tool. Morrisons 'up to 50% off' toy sale, including Paw Patrol, Peppa Pig, Mario Kart and more. See full toy sale analysis. Thu 8.30pm, ITV, The Martin Lewis Money Show LIVE - 'the end of cheap mortgages'. Over to Martin: "Well, no surprise after the Bank of England Governor effectively warned of interest rate rises, I'll be taking you through what to do to protect your mortgage rates. Plus the latest hot tips in News You Can Use. Do watch or program your VCR." |
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Break-down... the cost
PS: If you also need travel insurance and mobile phone cover, check out the Top packaged accounts where you can get all this for the whole family from £156/yr. |
Energy crisis updates: Goto goes bust | New Pure Planet supplier revealed | Should you switch? The energy market crisis continues. See our Goto energy customers help info as it became the 13th supplier to bite the dust in the last six weeks. And former Pure Planet customers should see our review of their new Shell Energy tariff. If you're trying to work out what to do with your energy bill, see our Should I switch? help. No Sweat? Get a 6mth subscription to Kayla Itsines' popular fitness app for FREE (normally £15/mth). Includes workouts & meal plans. We've got it for free for 6mths, cancel any time. Sweat for free Martin: 'The Govt's mooted student loan repayment threshold cut is a breach of natural justice - it could even threaten the nation's fertility.' Read and listen to Martin's Financial Times interview about the possibility that current students may be made to pay more each year towards their loan. 20 craft beers £24 delivered (normally £68). MSE Blagged. 10,000 boxes available. Beer52 (please be Drinkaware). Free or cheap half-term and Halloween kids' activities, including free books, comics and baking. It's never easy to keep the littl 'uns entertained, but we've put together some home half-term and Halloween activities. Greater Anglia sale, including £5 one-way London to Cambridge, Clacton and Norwich. For travel until 21 Nov, 50,000 tickets available. £5 tickets Ends today (Wed). 6% boost on Tesco shopping via its 'Christmas savings' scheme. Pay in £25-£360 by 11.59pm on Wed, and in Nov you'll get it back in Tesco vouchers with an up to 6% bonus on top. Full info on how it works, plus similar schemes at Asda, Sainsbury's, Co-op, Iceland and Morrisons, in Supermarket Christmas boost. |
AT A GLANCE BEST BUYS
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THIS WEEK'S POLL When did you last switch your bank account? Competition's fierce in the current account switching market right now, with some banks offering £100+ in cash to switchers. So whether you want better service, interest on your savings or just free cash, changing your day-to-day bank account can be well worth doing. But when did you last do it? Nearly three-quarters of MoneySavers whose energy accounts are in credit have had their direct debits raised. Last week, we asked if your energy direct debit had been increased in the last two months. Over 20,000 people responded and 73% of those whose accounts were in credit said they'd seen a rise. Those in debt with their provider saw the biggest hikes - 20% said their payments had been doubled or more, compared with just 6% of those in credit. See full energy direct debit poll results. |
MONEY MORAL DILEMMA Should we split bills equally if my husband has higher outgoings? My husband and I have similar salaries, but he has higher outgoings than me due to child maintenance payments for a child from a previous marriage. Is it reasonable to still expect household bills to be split equally between us? Enter the Money Moral Maze: Should we split bills equally if my husband has higher outgoings? | Suggest an MMD | View past MMDs |
MARTIN'S APPEARANCES (WED 20 OCT ONWARDS) Wed 20 Oct - Lorraine, ITV, 9am MSE TEAM APPEARANCES (MOST SUBJECTS TBC) Fri 22 Oct - BBC Radio Stoke, Lee Blakeman, with MSE's Gary Caffell on how to save on your utility bills, from noon |
'LOCKED MY KEYS IN THE CAR ON THE WAY TO THE AIRPORT'... YOUR MOST EXPENSIVE MISTAKES That's all for this week, but before we go... members of the MSE Forum have been discussing their most expensive mistakes this week. Some Forumites shared their regrets at spending money on cigarettes, taking out payday loans and even buying wardrobes full of expensive clothes and not wearing them. Spare a thought too for the holidaymaker who locked their car keys and luggage in the car when packing up for the trip back to the airport on the way home. See more costly catastrophes or add your own in the what's been your most expensive mistake? discussion in the MSE Forum. We hope you save some money, stay safe, |
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