|Cutting your costs, fighting your corner||Martin's Money Tips wed 05 AUG 2015|
MSE Big Broadband Switch Event. ENDS 17 days or less
This is a radical experiment. You may've heard of collective switches for energy, where a 'trusted intermediary' (such as us or a council) lets firms bid to provide special, market-beating tariffs. Well, we decided to try it for broadband, using the huge reach of this email (10m recipients) to see what they'd come up with.
We've had a stonking success in one category (TV), decent in two (line & b'band, & superfast) and mostly flopped in one (b'band, no line rent). I've put key info below, yet use our postcode checker which shows which of our deals you can get, and how they stack up against an independent comparison. Here are our winners:
| New. 32mth 0% balance transfer with VERY LOW fee |
Slash the cost of existing credit card debt by £100s or £1,000s as new price war sees one-off fees cut
A balance transfer card is the key tool to cut the cost of existing credit and store card debts. It's a special deal on a new card to repay debt on old card(s) for you, so you owe it instead at 0%. This means your cash clears the amount you owe rather than just servicing the interest. Thankfully the deals available now are by far the best we've ever seen...
Free 'Amazon delivery trick' tool beats its new 'you must spend £20' rule. The e-retailer used to give free delivery if you spent £10, now it's a min £20, but a new tool provides a way around this. See Free Amazon Delivery Tool.
Huge B&Q clearance - can you find £35 outdoor deck lighting at £12, £6 spanner 85p? B&Q's flogging 20,000 items in its summer clearout (started Mon online & in stores). Full info in our Deals Hunters' B&Q clearance blog.
Beat BT Sport's hike - has it opted you in to £140/yr jump this week? BT b'band users check now. BT
FeelUnique £10 off £30 beauty code for YSL, Benefit etc. MSE Blagged. Discounted top brands. Ends Fri
| 8 cheap train tricks - woooowoooo |
The real trick to slashing the cost of rail tickets (sometimes by £100s) is chuck the logic book out of the window...
Our techie bods surprised us by revealing Google trends show 'train tickets' searches peak in August - so we want to help. In the farcical world of train tickets, it's about trying illogical tricks. Full info in Cheap Train Tickets, but here's a taster:
Naked Wines £35 for 9 bottles (norm £103) + 2 crystal wine glasses (norm £10). MSE Blagged. Via £50 off £80 newbies' code. 4 white, 4 red, 1 rosé plus 2 Schott Zwiesel crystal glasses. 750 avail. Naked Wines. Be drinkaware.
Totally FREE posh New Covent Garden Soup (norm £2ish). Deals stacking trick. See our Deals Hunters blog.
Twitter warning: Users could face big bills after app update. Check your app settings to avoid big data bills.
Tell friends about us. They can get this free every week.
| Show Best Buys |
£85 All Boxed Up beauty bundle for £25. Incl Fake Bake self-tan (norm £19), Cowshed body lotion (£18), Elemis lotion (£16), Eyeko mascara (£15), Ciaté nail polish (£9) and Bellapierre lipstick (£8). Items £85ish individually. All Boxed Up
SUCCESS OF THE WEEK: (Send us yours on this or any topic)
iPad PRICE WAR: £40 discounts get Air for £279 & Air 2 £359. Big retailers slash costs. Cheap iPads
| 'I just received over £47,000 PPI back, thank you' |
Lloyds has just added another £1.4bn to fund future PPI payouts (making its total £13bn+). ARE YOU OWED?
Don't assume you never had payment protection insurance on loans, cards or catalogues. Even if you always said no, sometimes it was added anyway. As Chick emailed: "Never thought I'd be entitled, but on the off chance I wrote to MBNA about an old credit card. Today I banked £1,467.05. Result." Full help & templates in Reclaim PPI for Free. In short...
Merlin 2for1 attractions eg, Legoland, Sea Life, Chessington. Via cereal, frozen food & more. Theme Parks
Show Best Buys
Discount vouchers & sales
CAMPAIGN OF THE WEEK
MONEY MORAL DILEMMA
Quick forum tips
Freebie of the week
Martin's appearances (from 5 August onward)
Thu 6 Aug - GMB, ITV, Deals of the Week, 7.40am. Watch previous
MSE team corner
Regular team appearances:
Fri 7 August
Discussion of the week
This week, our forumites discuss the unlikely coincidences that have happened in their day-to-day lives. From delivering the baby of an unknown family member to school friends with the same name, share your uncanny stories in the It's a small world discussion.
Cheap travel money
Question of the week
Q: I'm looking for car insurance for my 18-yr-old son but I've been quoted £2,000 a year. I was told if he adds a second driver it might be cheaper. Correct? Anne, via email.
MSE Tony's A: If he adds a responsible second driver, eg, you, as long as you or that person has a good driving record, it may make it cheaper so is definitely worth a go.
Not every process in trying to make car insurance savings makes sense at first glance and adding a second driver is definitely one of them.
The premium is based on how much of a risk insurers perceive drivers to be - so if you add someone deemed lower risk the average risk will fall. It is a trial and error process but we have heard of great successes. We added a 40-year-old family member as an 'occasional' user (not main driver - that's fraudulent unless they really are) to an 18-year-old's policy which cut the cost by approx £1,000. It won't always work, but it's worth checking.
There are many other tricks to try to cut the cost of insurance for young drivers. These include combining multiple comparison sites, not assuming third party is cheapest and checking 'pay-how-you-drive' policies. Full info in our Young Drivers' Car Insurance guide.
Please suggest a question of the week (we can't reply to individual emails).
|Nick's free game of the week: Boomstick|
What not to do when you meet someone with a disability..."Wow, you're so brave, are you on a special scheme?"
That's it for this week, but before we go, check out charity Scope's new campaign to end the awkwardness around disability in this End the Awkward short film. PS: Be prepared to cringe.
We hope you save some money,
Martin & the MSE team
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