Archive: MoneySavingExpert's Money Tips Email
Over 50 ways to save, incl... Free £130, 19 green savers, beat food inflation and save £100s, £150 No7 £40, cheap GHD, 2.8% loans, Shark vacuum code, '£1,600 tax back', 9GB Sim £5
Get our free weekly Money Tips email!
Grab the latest deals, guides, tips 'n' tricks directly from Martin and the MSE team. Don't miss out
|
|
---|
DON'T believe the fake 'Martin Lewis' or 'MSE' ads |
Rates on some personal loans have been cut this week. Yet the mood music for low rates may soon change, as many predict the Bank of England will increase base rate on Thursday. If so, it's possible that in hindsight this may look to have been the bottom of the market with many loans at or close to their cheapest ever rates. Yet only borrow if you really need to, if it's a planned, one-off purchase (for instance, a new kitchen), with budgeted for, affordable repayments. Don't borrow willy-nilly to fill gaps in income. If in any doubt, don't. And if you get a loan, borrow as little as possible and repay it as quickly as possible. Our Cheap loans guide has full info, but in brief...
|
New. Top service bank First Direct now gives switchers a FREE £130. The newbies' switch bonus from First Direct* has been boosted to £130 (was £100), making it the joint-highest upfront cash payer (with Santander 123 Lite*, for which you pay £2/mth, but pays useful cashback on bills). First Direct was rated 85% 'great' for customer service in our latest poll, the top of the non app-only banks. It also gives many an ongoing £250 0% overdraft. To get First Direct's £130, you need to use its seven-day switch service and pay in £1,000 or more within 3mths. Full eligibility info and a rundown of all top deals in Best bank accounts. The Bank of England may raise UK rates this THU. Check NOW if you can cut mortgage costs. It's not certain but the market thinks it's coming. See Martin's eight mortgage cost-cutting need-to-knows. Big Boots bundles: £150 No7 set £40 | £80 Soap & Glory £33 | £345 MAC, Benefit etc make-up £80. They're bundles MoneySavers wait for every year, but stock's limited. See Boots beauty bundles. High spec Shark cordless vacuum - code gets it for £230 instead of the normal £400. MSE Blagged. Discounts available on this and another model, 3,500 of each available. Shark codes Bulb home energy customer and worried at reports it may go under this week? Lots are panicking, asking us if they should switch. This quick tweet from Martin takes you through what to do. Please read and share with anyone worried. Ending. Free £150 Amazon or £264 Nectar credit card sign-up incentive. Until Tue 9 Nov, the Amex Rewards Gold* card (check eligibility odds) gives newbies 30,000 bonus points if you spend £3,000 on it within the first 3mths. Do that and you'll have enough points to swap for £150 in Amazon/M&S vouchers, or 33,000 Avios - which can then be swapped for £264 of Nectar points. Provided your normal spending will hit the trigger (put everything on it) you're quids in. Just ensure you pay the card off IN FULL each month, or you'll pay 24.5% rep APR interest. Be aware the card is only fee-free in year one, it's £140/yr after, so cancel before then if you don't want to pay it. Note, you won't qualify for the intro bonus if you've had a personal Amex in the last two years. Full help in Credit card rewards. TWO pairs of Marc Jacobs, Guess or MaxMara specs £40 delivered. MSE Blagged. Via code at Low Cost Glasses. Thu 7.30pm (an hour earlier than normal) ITV, The Martin Lewis Money Show LIVE. Over to Martin: "I'll be honest, I'm not quite sure what'll be on the show this week. If interest rates rise on Thursday, I'll lead on that. There'll also be some great green tips and possible free cash tips too. It's all news-depending, but either way you can't afford to miss it. Do watch or program your VCR." |
Nine ways to beat food price inflation and save £100s: coupons, downshifting, discounts & more
Want more? See 29 Supermarket Shopping Tips. |
Ends today (Wed). 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 if they sign up by 11.59pm tonight (Wed). You pay £7/mth, but you're also 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. Free financial education: Textbook for teens and the MSE Open University Academoney. Last week, Martin's ITV special on financial education caused a stir (watch it back). He went into the classroom to see the free financial education textbook that he funded in action. If you've teens, take a look. Plus check out the free MSE Open University course to improve your financial skills and knowledge. '£1,633 TAX refund after a PPI claim.' Our success of the week comes from MoneySaver Richard, who saw Martin's ITV show on reclaiming tax from PPI payouts. He emailed us: "Just had a cheque from HMRC for £1,633 for the tax paid on a PPI claim from 2017. Thank you again for your excellent advice." Please send us your MoneySaving successes on this or anything else. Teletext Holidays & Alpharooms close - full help if you're abroad, you've a booking or you were due a refund. See Teletext/Alpharooms holiday help. £85 GHD hair straightener code (normally £109). MSE Blagged. One of the better discounts we've seen on this model. Ends Tue 9 Nov. Good Hair Deal Book cheap Christmas trains now. Most firms have now released their cheap advance festive fares, but once they're gone, they're gone. See which operators have made them available and more tips to bag cheap Christmas train tickets. Get child benefit or tax credits paid into a Post Office card account? Act now. HMRC will stop these payments from 1 Dec, so you'll need to get them paid in elsewhere - sort it soon to avoid delays. See Post Office help. |
AT A GLANCE BEST BUYS
|
CAMPAIGN OF THE WEEK It's Number Confidence Week - how confident are you? The charity National Numeracy is encouraging people to put their maths skills to the test as part of its Number Confidence Week. Its free challenge is suitable for all, checks your level in just 10 minutes and offers you tailored help to improve. Find out your numeracy level |
THIS WEEK'S POLL Would you pay more to go green? It's top of the news agenda this week, yet it's not always easy - or cheap - to make environmentally-friendly choices in what we buy or use. We want to know if you'd be prepared to pay more to go green with many common products or services. Vote in this week's poll. In the eighth MSE Annual Census, some of the most common answers were that MoneySavers are married without kids, have a university degree, get most of their news from the BBC... and rank Skyfall as their favourite Bond movie. Find out more about the 9,000+ people who responded in the MSE Annual Census results. |
|
---|
MONEY MORAL DILEMMA Should I challenge our council tax band if it means my neighbour could pay more? We live in a four-bedroom semi-detached bungalow and are in council tax band D, which I'd never questioned. But recently my next-door neighbour told me she's in the cheaper band B, and her home has exactly the same layout. I'd love to claw back some council tax, but I'm worried that if I flag it, it might result in my neighbour's band being increased, which I don't want to happen. Enter the Money Moral Maze: Should I challenge our council tax band? | Suggest an MMD | View past MMDs |
MARTIN'S APPEARANCES (WED 3 NOV ONWARDS) Wed 3 Nov - Ask Martin Lewis, BBC Radio 5 Live, 1pm. Listen again MSE TEAM APPEARANCES (SUBJECTS TBC) Thu 4 Nov - BBC Radio Manchester, Morning with Michelle Dignan, from 09.40am |
'DAWN OF THE DEBT' & 'BUFFY THE VAN-HIRE SAVER'... WHEN MONEYSAVING MEETS HORROR FILMS That's all for this week, but before we go... the Halloween bug hit MSE Towers last week, so we asked you to put a MoneySaving spin on horror film titles for a bit of fun. Spooky gems included The Bank Switch Project, I Know What You Bought Last Summer, Dawn of the Debt and the ingenious Buffy The Van-Hire Saver. To see the full list, or to add your own, check out the tell us your favourite scary film, but make it MoneySaving Facebook post. We hope you save some money, stay safe, |
Important. Please read how MoneySavingExpert.com worksWe 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 promise 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 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, How This Site is Financed and Editorial Code. Martin Lewis is a registered trade mark belonging to Martin S Lewis. More about MoneySavingExpert and Martin LewisWhat is MoneySavingExpert.com? Who is Martin Lewis? What do the links with an * mean?Any links with an * 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 products at all and the editorial line (the things we write) isn't changed due to them. 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 marcus.co.uk, sellmymobile.com, comparemymobile.com, paybyfinance.co.uk, theaa.com, sainsburysbank.co.uk, bank.marksandspencer.com, cahoot.com, mbna.co.uk, tsb.co.uk, firstdirect.com, santander.co.uk, americanexpress.com, plus.net, confused.com, moneysupermarket.com, comparethemarket.com, gocompare.com Financial Conduct Authority (FCA) Note MoneySupermarket.com Financial Group Limited is authorised and regulated by the Financial Conduct Authority (FRN: 303190). MoneySavingExpert.com Ltd is a company registered in England and Wales. Company Registration Number: 8021764. Registered office: One Dean Street, London, W1D 3RB. MoneySavingExpert.com Limited is an appointed representative of MoneySupermarket.com Financial Group Limited. To change your email or stop receiving the weekly tips (unsubscribe): Go to: www.moneysavingexpert.com/tips. |