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MoneySavingExpert.com weekly email
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Cutting your costs, fighting your corner
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Martin's Money Tips Wed 7 Nov 2012
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MARTIN'S QUICK BRIEFING: For more tips, alerts & awful
puns follow
Martin on Twitter
Forget trudging out in the freezing cold. Wave a high-tech
wand, with tools to spot hidden bargains & slash prices in our 10 top
tips. Though please
don't plot a shopping lust-list - always budget to find what you can afford,
then plan the best time possible on that. More help in 40 Xmas On A Budget Tips.
PS. Having fallen in love last Thursday... with the 6lb 6oz Sapphire Susan Lewis (Mrs MSE and my first child - mum and daughter doing very well), I'm off this week. So this email's in the more than competent hands of the MSE team.
PPS. The Martin
Lewis Money Show's on ITV1 next Tue 13 Nov at
7.30pm. Incl PPI reclaiming train cash-mob, how to stop spam texts &
savings galore...
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Blagged for MoneySavers
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£3 off £30 at Feel Unique
Ends: Thu 15 Nov
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Free
MSE car sticker
"Money for nothing, tips for free" |
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Did you miss?
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Reclaim PPI for FREE
Claims handlers aren't more successful.
Free help & templates: Reclaim PPI |
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MSE News
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The Ones Not To Miss
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Wed 7 Nov
2012
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iPhone vs
Samsung - there's only one way to find out
The S3 and iPhone 5 are the Xmas blockbuster handsets. We've used our unique tools to crunch the numbers...
If you're looking for a hot smartphone, our Cheap Samsung Galaxy Tool and Cheap iPhone Tool will find the cheapest for
you. Now we've used them to price-battle the latest models. To paraphrase
Harry Hill, there's only one way to find out...
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Thurs only. FREE Ojon £40 shampoo &
conditioner. Trade in any empty bottle. 8k avail. Go quick. Ojon Deals
New Look 25% off voucher, Ocado 25%
off £50 code & more...
New Look 25% off in-store with vch | Ocado 25% off £50 code for new custs | Body Shop Outlet discount codes Laura Ashley 30% off online code | Karen Millen 20% off code Full list: Discount Vouchers
New top 2.5% 'Nationwide' savings.
Amid current dire rates, Derbyshire BS's* 2.5% AER NetSaver (min £1k)
is the top easy-access savings. Many don't know it's part of Nationwide, with
an identical rate to its MySave account, but with unlimited free withdrawals
instead of one a year. Rate includes a bonus, so diarise to ditch & switch
then. See Top Savings.
Travelodge £21, De Vere rooms from £19
(both incl Xmas & NY). Travelodge on now, 10,000 De Vere
rooms from £19-49 (starts Thurs). Hotel Sales
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Flight
delayed in last 7 yrs? £480 compensation possible
Ruling opens floodgates for claims back to 2005 | Nifty site to find if YOUR plane was delayed
A blockbuster ruling by the European Court of Justice means
some can get up to £480 compensation for delays - if the airline was at
fault. Full info, including how to claim, in the new Flight Delays Compensation guide. Here's a
taster...
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'Free' £20 Dwell and £10 Oasis spends.
Vouchers in £3ish and £1 mags respectively. Magazine Deals
Domino's 2for1, £10 off Frankie &
Benny's codes & vouchers...
Domino's 2for1 incl Fri/Sat | Frankie & Benny's £10 off 2 mains | Brewers Fayre 2for1 mains Table Table 2for1 mains | Beefeater 50% off mains Full list: Restaurant Vouchers
SWITCH energy now and save £300+.
Five of the big six (excl Eon) have hiked prices. The cheapest that's already
hiked is Npower Online Energy Jan 2014*, (average
£1,070/yr). The cheapest long fix is EDF Blue March 2015* (£1,250), it ensures no
hikes for 3 WINTERS but charges early exit fees. Check your exact cheapest
and get cashback via these links (after c.3mths). Top comparison: Energyhelpline* £15 per switch. Dual fuel: MoneySup* £30 cash, uSwitch* a crate of wine.
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Prepay
energy bills? Switch & save
New rules mean more on key / card meters can switch & save. COMPARE NOW to beat the price hikes
Five of the big six energy firms have hiked prices.
Previously, some prepaid customers were blocked from switching if they owed
suppliers £200+. That's been raised to £500+, freeing many. See full Switch Prepaid Energy guide, here's key
info:
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£125 bank bribe - price war heats up.
Top customer service bank First Direct* has upped its bonus to £125
(was £100) for new switchers who pay in a monthly income of £1,500+, via this
link. It's hot on the heels of Halifax's £100 switching bonus launched
two weeks ago. Full details in Best Bank Accounts.
Ends Sun. Morrisons 15p/L off fuel with £60
spend. Grab voucher in-store for its petrol stations. Cheap Petrol
ENDS THURS. Cheapest line rental
£7.49/mth. At half BT's price, Primus Line Rental Saver's* the UK's
cheapest line rental-only deal (no calls included, 1yr contract). Its Home Phone Saver* gives inclusive eve &
weekend landline calls for £8.69/mth. Full help, including getting BT
cheaper: Cheap Home Phones
Glitch gets 3 Always packs 95p (norm
£1.30 each). Forum Hottie. May
end any time. It's given forumites wings (sorry). Boots Deals
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Tell friends
about us. They can get this free every week.
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Extra
£2bn for PPI victims - reclaim NOW
Reclaim PPI for FREE. Banks put aside billions more to repay mis-selling victims. Find out if you're owed...
With £6.5bn already paid, Barclays, HSBC, Lloyds and RBS have
set billions more aside to pay out what's expected to be £13bn across all
lenders. If you've had a loan or card in the last 10 years, see if you're
owed using our Reclaim PPI FREE guide. Here's a taster...
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Buy one, get TWO free on crisps &
chocs. Forum Hottie.
Includes Nik Naks and Penguins. See Tesco Deals.
Beware gift vouchers for Christmas.
Comet's the latest big name to crash, leaving vouchers potentially worthless
(see Comet collapse repercussions - STOP PRESS: As we were sending
this email, Comet started to accept gift cards again, at least for now)
and showing the danger of gift cards in tough times. Cash is dull, but a
safer present. Gift Warning
Beat Ryanair fee hike.
The airline's prepaid cardholders must book this month to escape £12 rtn fee.
See Ryanair fees.
5% off 1st class stamps.
In Superdrug stores, buy with '1st' on & they don't expire. Handy for
Xmas: Cheap Stamps
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Zizzi 25% off food bill
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La Tasca 3for2 tapas
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Ask 2for1 for £2
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Strada 20% off total bill
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GBK £8 burger & fries
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Discount vouchers & sales
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M&S 20% off online sale
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Debenhams 20% off 'up to 70%' sale
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Heal's 15% off in £4 mag
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George up to 50% off sale
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Body Shop 4for2 code
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Top deals
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P&O £25 day rtn & wine case
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Tesco 'free' Kellogg's Squares
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Feel Unique £3 off £30
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Nails Inc £11 polish in £2 mag
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Whittard 'free' £6 sweets
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The Moneysaving community
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Consumer group Which? is demanding banks put customers first. Sign its Big Change pledge to show your support and help reach 100,000 names. Spotted a campaign? This space is for MSE to support money-based work by other organisations. Send us a campaign of the week suggestion.
BOOK GIVEAWAY
| The Little Book of How NOT To Get
The Job.
25 blagged for MoneySavers. Want one?
MONEY MORAL DILEMMA | Pet dog or doghouse?
This week's MoneySaver who wants advice asks... Our son has wanted a pet dog for years and my wife's keen to get him one. But dogs are expensive and I've been saving in secret to surprise her with a holiday next year. She thinks I'm stingy, when I'm actually the opposite. Should I give in and get the dog to make them happy, or remain in the doghouse myself so we can go away? Enter the Money Moral Maze: Should I get the dog for my son? | Suggest an MMD | View Past MMDs
THE GREAT HUNT | What you wish you'd known before
selling your house
To help spruce up our house-selling guide, we want to tap into MoneySavers' collective knowledge to collate top tips for first-time home-sellers. From estate agents and advertising to prospective buyers' chat-up lines, tell us your tricks. Share yours/read others': House-selling tips Past topics: View all
CHEAP FLIGHT SALES ALERT | Airline: Aer Lingus Price: From £30 each way Ends: Ongoing
Our pick this week is Aer Lingus. It's for flights from 14 UK airports to Ireland till Sun 31 Mar 2013 and includes taxes & charges. We found flights from Manchester to Dublin for £29.99. To find flights quickly, use the FlightChecker on a £30 one-way 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 GREAT HUNT... REVEALED | Cheap and easy Christmas pudding
recipes
It wasn't too soon for last week's Xmas pud hunt as the responses were varied and useful. This microwave pudding recipe is great for the time-poor whereas this light recipe can provide a tasty treat. Aldi's own got top reviews.
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Quick forum tips
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£2.50
Christmas trees (3ft, four colours) at Tesco. What a tree-t.
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£18.50
Lacoste Touch of Pink EDT, 50ml (£27 elsewhere) incl del at Superdrug.
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17p
Fin Carre milk choc (100g) & £1.24 Nesquik (500g; £2.72 elsewhere) at Lidl.
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Debt
Free Wannabe chat of the week: Just say NOvember.
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Competitions
thread of the week: A cookery school experience.
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Old
Style (Thrift) Board thread of the week: How to keep warm indoors.
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Andrea's freebies
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Martin's blogs
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Team Blogs
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Martin's appearances
Thursday 8 November
Shelagh Fogarty, Radio 5, 12-1pm. Consumer Panel. Listen to past shows.
Tuesday 13 November
Daybreak, ITV1, between 7am & 8.30am. Subject tbc.
The Martin Lewis Money Show, ITV1, 7.30-8pm.
PPI reclaiming and cutting petrol/diesel costs.
Other MSE team appearances:
Thursday 8 November
Dan Plant: Noreen Khan, BBC Asian Network, 3.30pm, subject tbc. |
Cheap travel money
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This week's poll: Have you tried to reclaim PPI?
Banks have set aside about £13 billion to pay victims of PPI
mis-selling, with over £6 billion already reclaimed. It's free to do yourself
(so don't pay a claims company), while banks are supposed to write to victims
to offer money back.
Have you tried to reclaim PPI?
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No
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Poll results
Most are in favour of renationalisation.
- 59% say nationalise - 35% say regulate prices - 7% say keep 'em private 10,520 voted. See the full results. |
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Question of the week
Q: Why do I have to give my name and
address for shop refunds? Is it a legal requirement?
Sandra, by email.
MSE Helen S's A:
No. They may ask for your address to send repaired goods or where a
replacement is not instantly available. But they can't demand your details.
The store might want your details to keep track of customers
returning goods to deter "serial returners", or to make sure
refunds are legit and not staff taking money from the till.
Remember, according to the Sale of Goods Act, shops are only required
to refund/replace faulty
goods, not if you simply change your mind. Though many have a returns policy
which lets you take back goods (in saleable condition) you don't want.
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Board of the week
Share advice and tips on over-50s discounts, products and
services. Discussions include Retirement flat management fees , Clothes for older people and Stair lift for elderly mother needed.
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Frappucino reserve banking?
As MoneySavers know all too well, banks get away with an awful
lot that wouldn't be allowed in any other institution, but how would it be if
the tables were turned? Check out this video where a pop-up coffee outlet in
London's financial district plays the bankers at their own game: Scamming the bankers.
We hope you save some money,
Martin & the MSE team
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