Archive: MoneySavingExpert's Money Tips Email
Over 50 ways to save, incl... Martin's Council Tax cost-cutters, Christmas Deals Predictor, first 30mth 0% in a year, cheaper energy fixes, £54 Eurostar, £387 beauty £88, Student Finance Debunked!, 100GB Sim '£5.84/mth', top 0% spending + free £25
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DON'T believe the fake 'Martin Lewis' or 'MSE' ads |
Can't afford to clear your credit card debt? You can't afford not to check this out...
1. Apply via an eligibility calc to protect your ability to access credit. Helps prevent rejections which go on your credit report.
Quick balance transfer FAQs (click links for Martin's answers) |
Ho-ho-hoorah. It's back for 2024... The famous MSE Christmas Deals Predictor: 90+ forecasts on when & how big brands will discount. Big retailer sales, booze deals, cheap flights, sprout price wars & more... Deals Predictor New. Free £25 on a 0% spending credit card. Apply via this link, and accepted HSBC up to 20mth 0% card newbies get £25 cashback on £100+ spent within 60 days. So you could just grab it, do normal spending, then clear it at the month's end to get the cash at no cost. Though as it's a top 0% card, if you do NEED to borrow, you get it interest-free for up to 20mths, and get the cash on top (link goes via our eligibility calc, which also shows more top deals and which you're most likely to get). Golden Rules: 1) Always pay at least the monthly minimum. 2) Clear the debt before the 0% ends or it's 24.9% rep APR. Full info & best buys in 0% spending cards. Boots Star Gifts sale, including half-price Soap & Glory and £387 of beauty for £88. See Boots Star Gifts. Martin's Student Finance Debunked! Are you or your kids planning on going to uni in the next few years? A must listen / read. Many myths are spoken about loans, as is a lot of nonsense, so Martin's debunking how the system really works, the impact of the tuition fee rise, how much it'll cost parents, what happens if you don't pay it off & more in his new Student Finance Debunked podcast - listen via BBC Sounds, Apple and Spotify, or read about it in his new blog. Ends Thu. 30% off Eurostar, eg, Paris return £54 (plus trick gets extra 5% off). Travel Nov to Feb. Eurostar 'I got back £1,359 in a student loan refund after reading your email.' Our success of the week is one of many speedy ones that came in after Paying off your student loan? Over 1m overpaid & can reclaim was included in last week's email. Hayley wrote: "I love reading your emails and I wanted to let you know I've had some fantastic luck with the student loan refund you wrote about. I thought it would need some figures or calculations from me, but no, I clicked a couple of buttons and I've been emailed to say I'm getting £1,359. Thanks so much, very welcome as the Christmas season approaches. Keep up the great work." If we've helped you save (on this, or owt else), send us your successes. New. Cheapest 100GB Sim - '£5.84/mth'. Newbies to Smarty (uses Three's network) can get 100GB/mth of data for £10/mth, and CLAIM a £50 Amazon voucher (after six months). That's equivalent to £5.84/mth with the voucher factored in. It's a 1mth contract, so you can cancel anytime. Want a different network? Use our Cheap Mobile Finder. £33 Barbour prescription specs or sunnies (normally £135). MSE Blagged. Via SpeckyFourEyes code. |
New cheapest energy fixes: 'I switched and saved £468/yr' Before the Energy Price Cap rose 10% on 1 Oct, you could switch to a fix and effectively avoid the rise. After, fixes got more expensive as wholesale rates (those energy firms pay) rose. Now they've dropped back and many can lock in again, getting peace of mind, with the total cost within a couple of percent of the old Price Cap. As Sharon emailed us: "I saw in the email about checking energy suppliers. I have now switched to EDF, I'm paying £154/mth, but once the switch is done I'll pay £115/mth [saving £468/yr]! I am also £130 in credit, so will have a nice little extra for Christmas! Thank you." Your cheapest depends on location & usage, so use our free Cheap Energy Club comparison to find your winner.
Q. The savings are compared to the current Price Cap... what about once it ends? Each Cap lasts three months. Most analysts' latest predictions are the January Cap will be a touch higher, it's then predicted to drop slightly in April and July - though the further out you go, the more crystal-ball gazing it is. Overall, that means over the next 12mths, if the predictions are right, on average you'll pay roughly the same or slightly less than you do now - so it's a good comparison. For far more info and a Q&A, see Should you fix your energy?
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Used our free car finance mis-selling complaints tool? How's it gone? Almost 2.5m complaints have now been sent via the tool, and we want to know how firms have dealt with 'em - please fill in this 2-min survey so we can guide you (and others) better on what to expect next. Bank of England's cut base rate to 4.75% - when will your mortgage rate fall? Read mortgage rate news. Ends Thu. £8.50 one-litre Baileys with a £45+ big shop at Morrisons. Price in Scotland is £11 (both normally £22). It's £10 elsewhere if you're not a Morrisons shopper. Battle of the Baileys. Please be Drinkaware. 'I won £10,000 on Tipping Point and appeared on Pointless after following MSE's tips.' MSE user Dan won the top prize after seeing our blog. Here's how he did it and how you too can boost your TV game show chances. Christmas supermarket delivery slots now open for ALL supermarkets. Book yours at Asda, Sainsbury's, Tesco and more. See our Christmas delivery round-up. |
AT A GLANCE BEST BUYS
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THIS WEEK'S POLL Have you haggled with Sky, BT, the AA or any others this year? Did you succeed? Haggling can result in big savings - on anything from digital TV and broadband to breakdown cover and car insurance. Each year we try to gauge the success rates of those who have done it. So whether you've got cheaper prices, extra goods or better deals, please let us know how successful you've been in this week's poll. Nearly two-thirds of MoneySavers WON'T be shopping in this year's Black Friday sales. In last week's poll, we asked if you had any Black Friday spending plans - nearly 3,000 of you responded, with fewer than four in 10 saying they're planning on shopping during Black Friday or Cyber Monday this year. Yet there's a clear age divide, with almost 60% of under-35s saying they would be spending, versus more than 75% of over-65s who said the reverse. See full Black Friday poll results. |
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MONEY MORAL DILEMMA Should I claim compensation from the woman whose dog knocked me off my bicycle? I was in a bicycle accident where a lady with a dog on an extendable lead didn't have it under control and it ran into the road, hitting my wheel. I went over the handlebars, fracturing a clavicle. I've had an operation to put a plate in and will be off work for six to eight weeks. There's £150 of damage to my bike, my £30 helmet needs replacing and my clothes were cut off by the paramedics. I've suffered a lot of pain and post-surgical depression, but I'm unsure whether to make a compensation claim against the lady as it was an accident and her dog was also injured. Is it right to ask for something after what I've gone through? Enter the Money Moral Maze: Should I claim compensation for my bike accident? | Suggest a Money Moral Dilemma (MMD) | View past MMDs |
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MARTIN'S APPEARANCES (TUE 12 NOV ONWARDS) Tue 12 Nov - The Martin Lewis Money Show Live, ITV1, 8pm |
A personal note from Martin: RIP Alice Shia (Misskool) Back in the noughties, when MSE was still young, a romance started in an unlikely way. Two of our volunteer MSE Forum board guides, Alice and Tim, were paired together. They decided to write a guide on how to use that section of the forum - she messaged him to tell him to rewrite bits, he told her to get lost and write it herself. A classic romcom opening... Eventually they met and bonded because, as Tim says: "We both compared the unit price on a block of cheese." As you've guessed, eventually they got together, and "were still using MSE techniques all the way". They had a very happy marriage, and a son, David, aged nine, who is "careful to compare prices on his purchases". Tragically, Alice was diagnosed with terminal cancer three years ago, and passed away peacefully last month with all her family around her. I wanted to ensure this was marked on MSE, and in this email, and put in a note of love, sympathy and ease through the grief to Tim, David and all who loved Alice. RIP Misskool x Martin |
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