|Cutting your costs, fighting your corner||Martin's Money Tips Wed 29 Jul 2015|
MARTIN'S QUICK BRIEFING: For more tips, alerts & awful puns, follow Martin on Twitter
The 10 travel MUST-KNOWS before you go...
The great jet-away has started. August is the biggest travel month, and my Twitter feed & mailbag is jammed with questions. So I've compiled the core info everyone flying abroad within the next six weeks needs to know to get max bang for your bucks. For more tips, see the full 50+ overseas travel tips.
| Bank a b*****d? Don't bitch, switch! FREE £150 or 5% interest |
New figures show only 2% of people switched bank account in the last year. So time to give you six of the best...
People constantly tell us their banking gripes, growls & grudges. Yet new stats show just a pitiful 2% of the UK switched in the last year - even though there's a fierce price war. We say don't bitch, switch. The more who show banks their custom can't be taken for granted, the better they need to behave. Full choice in Top Fee-Free Banks, here are six of the best...
To qualify for these, you usually need to switch via their 7-day switching services, pay in a minimum each month, and set up at least two direct debits. Many more options, full info & customer service rankings in Best Bank Accounts.
£4.20 champagne trick (min 6 bottles) - cheapest we've EVER seen. We've a way anyone (excl Scot) can get Henry Dumanois champers at a ridiculously cheap £7.50/bottle or less if you're new to Sains online. See Champagne Trick.
15% off sunglasses code gets, eg, £49 Oakley. MSE Blagged. Ends Thu. Low stock. Sunglasses Shop
HOT SIM: £20/mth gets unltd mins, texts, 4GB data (4G) AND £120 Amazon vch - all-in equiv £10/mth. MSE Blagged. As long as you're not currently an EE mobile customer, use the code MSEAMAZON120 by 11.59pm Sat on this £19.99/mth EE Sim* and you get a year's unlimited texts & mins (to UK landlines & mobiles) and 4GB/mth 4G data, plus EE will send a £120 Amazon voucher within 3mths. How good is this? If you'd spend the voucher at Amazon anyway, factor it in and it's £120/yr, equiv £10/mth - massively cheaper than owt else. FULL info: Hot Sim deals & how to use them
Wed ONLY: 15% off Lastminute.com UK & world hotels code (incl 50% sale & secret hotels). MSE Blagged. Works on 150,000 hotels, provided min 2nts & £100 spend. See all Hotel Deals. Related: Uncover Secret Hotels
| Cheapest-EVER loan 3.5% |
Loan rates continue to drop, but there are more catches than a corset, so we've techniques to unclasp them
If you need to borrow, now is one of the cheapest times ever, but be very careful. Only borrow for planned spending, eg, a new car/kitchen, for as little as needed, repaid as quickly as possible, and within budgeted repayments. If in doubt, don't.
Ends Fri. Hot home insurance 'freebies' incl gas BBQ, £80 M&S & more. MSE Blagged. Get combined buildings & contents cover via special links to get the freebies: a) Age UK, gas BBQ* (RRP £90) or £80 M&S vch*. b) Together Mutual, Delonghi coffee maker* (RRP £92) or MoreThan, £80 HoF vch*. All should arrive within 120 days. Warning: We're not saying these are cheapest - always compare with results by combining comparison sites.
Hot Diamonds extra 30% off branded jewellery sale code. MSE Blagged. Discounted women's jewellery, eg, rose earrings £21 (were £60), pearl necklace £25 (was £70) & swirl bracelet £42 (was £120). Free delivery. Hot Diamonds
Tesco Wine code - 1,000 extra Clubcard pts (worth up to £40) on £60. MSE Blagged. 5,000 Tesco Wine* codes anyone can use - just enter XXHTYA by Sun (or til codes run out if sooner). Full info: Wine Deals. Pls be Drinkaware
Tell friends about us. They can get this free every week.
| Show Best Buys |
New. Top graduate accounts 2015 - 3yr £2,000 0% overdraft. Don't stick with student accs. Graduate Accounts
Unlimited free yoga, Zumba, pilates, bootcamps etc. Free fitness classes in Eng & Scot parks. Free Fitness Classes. Plus, it's also the last chance to book free tennis coaching at over 400 events.
SUCCESS OF THE WEEK: (Send us yours on this or any topic)
| 5 Tesco tricks - as it launches new double-up (incl Nutribullet, etc) |
The giant's relaunching its 'redeem at double value' scheme, this time incl Tesco Direct (its Argos catalogue equiv)
The latest batch of Clubcard vouchers drop through letterboxes next week, but don't spend 'em on groceries. On Mon, Tesco launches its summer Clubcard Boost, which lets you double their value. Here are the key tricks to hack down costs...
CODES - F&F 15% off uniforms, Matalan 20%, Wickes £10. F&F 15% off school uniform code (newbies only), Matalan 20% off £30 code, New Look £10 off £50 code & Wickes £10 off £50 code. See ALL Codes & Vchs.
Show Best Buys
Discount vouchers & sales
CAMPAIGN OF THE WEEK
MONEY MORAL DILEMMA
Quick forum tips
Freebie of the week
Martin's appearances (from 22 July onward)
Thu 30 Jul - GMB, ITV, Deals of the Week, 7.40am.
MSE team corner
Regular team appearances:
Thu 30 July
Discussion of the week
How far are you willing to travel to see your partner? If there's some distance between you, is it fair for one person to take on the burden of driving back and forth? Share your thoughts in the Your partner doesn't drive discussion.
Cheap travel money
Question of the week
Q: I'm fully insured on my car, but my policy says I can drive other cars with third-party cover. When exactly am I allowed to drive other cars and what am I covered for? Bob, via email.
MSE Tony's A: The 'driving other cars' extension is a useful level of protection, designed to cover you in emergencies if you, for example, you need to move another car or share the driving if the regular driver has become unwell or too tired. Some policies also cover you if you borrow a friend's car on an ad-hoc basis so check with your insurer.
Regardless whether or not you have a full comprehensive policy, this cover is third-party only. This means you won't get any fire, theft or accidental damage cover, only damage caused to another person or their property.
If you're likely to drive another car on more than just a temporary basis, check out how adding yourself to their policy compares against temporary cover.
Please suggest a question of the week (we can't reply to individual emails).
|Nick's free game of the week: Adventures of Red|
"I put the toilet seat down"
That's it for this week, but before we go, check out this heart-warming thread in our forum: 'Little ways to say I love you.' As our forumites show that it's sometimes the little things that count - sometimes you just need to put the toilet seat down.
We hope you save some money,
Martin & the MSE team
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