|Cutting your costs, fighting your corner||Martin's Money Tips Wed 26 Aug 2015|
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Banks are rarely mentioned in glowing terms. Whether for PPI mis-selling, market-rigging or allegations of aiding tax avoidance, they have a bad name. So it's simple...
If your bank's a b*****d, don't bitch, just switch.
Yet in the last year, only 2% of accounts were switched. Thankfully, you can do it right now, and it's quick and easy for most. Here are the 10 need-to-knows (incl our latest bank customer service index)...
PPS from Martin: I'm taking a break this week, so this email is in the talented hands of the MSE team.
| WOW. New 40-MONTH 0% balance transfer card |
Longest-ever 0% card. Slash the cost of existing credit card debts by £100s or £1,000s with a top debt-shifting deal
A balance transfer is where you get a new card that pays off old card(s) for you, so you owe it at a lower rate. The lower rate means your repayments clear the actual debt, rather than just paying interest, so you get debt-free quicker.
How to watch TV and (legally) not pay the licence fee. Many have no idea when they need one, TV Licensing research shows. We dispel TV licence myths.
Hot summer BT Sim - £10/mth can get 500 UK mins, unltd texts, 2GB data (4G) AND £50 Amazon vch - all-in equiv £5.83/mth. MSE Blagged. Brand new BT Mobile custs can use code MSEBTMOBILE by 11.59pm on Wed 2 Sep on its BT Sim* for a £50 Amazon vch, sent within 3mths. The 12mth contract Sim is £10/mth if you've BT b'band, £15/mth without. How good is it? If you'd spend the vch, factor it in and it's £70/yr, equiv £5.83/mth (£130/yr, £10.83/mth without BT b'band) - much cheaper than owt else. FULL info + £30 Amzn vch for lower users: Hot Sims
| "I slashed Sky bill by £300+/yr" - NEW 'how to haggle' guides |
The AA, RAC, BT, Sky, Virgin etc mostly reserve top deals for newbies, get one over 'em with the haggle challenge
Haggling's so un-British, but shake off your stiff upper lip and serious deals are possible via call centres, where firms are desperate to keep customers. Our Haggle with Sky, the AA and More guide has the tricks, but we've written new, bespoke company and industry-specific guides (for you, we'll add high st haggling tips too).
Last chance to beat BT's line, call & b'band price rises. Some only have a few days to cancel. See fight BT hike.
70 Pansy Can Can plants £10 del (next cheapest £30). MSE Blagged. Should flower mid-Sep to spring. 750 avail
CODES & VCHS - incl Topman 20% off, Poundland £2 off. This week, we've blagged Topman 20% off everything, incl sale (ends Thu) & The Works 25% off codes. Plus there's an Office 25% off vch (in £2 mag), Jack Wills 25% off code & in store, Poundland £2 off £12 vch (in 70p paper) & AO.com £30 off £299 appliances code. ALL Codes & Vchs
Back to school, incl 20% off uniform at BHS & Tesco. Deals on schoolwear, stationery & more. Back to school
Tell friends about us. They can get this free every week.
| Show Best Buys |
Virgin Trains East Coast sale, eg, Lndn-York £20rtn. 100k+ tix, book by Fri, travel till Nov, incl 1st class. Virgin
MSE's Big Energy Switch Event 3 coming next week. British Gas may be cutting prices this Thursday but it's still a rip-off. Our collective switch event begins on 1 Sep at Cheap Energy Club where we reckon we'll smash the best buys.
| Warning. Check NOW when your travel insurance ends - get from £13/yr |
As the holiday season's ending, many annual policies expire now. If you've another trip booked, get cover ASAP
Many people buy annual travel insurance at the start of the summer to coincide with their holiday. If you travel late this year make sure yours hasn't run out - without insurance, you're not covered if a holiday you've paid for is cancelled or you get a medical condition in the meantime. For full help, see Cheap Travel Insurance. In short...
20% off 400+ burger joints, incl Meat Liquor & pubs. Thu only, (medium) rare voucher. National Burger Day
Show Best Buys
CAMPAIGN OF THE WEEK
MONEY MORAL DILEMMA
THE GREAT HUNT
Does your charity want an MSE Charity grant for consumer/finance projects? The latest funding round for charities and financial and consumer education project groups opens on 1 Sep. Only the first 40 applications that meet the criteria will be considered - pls check the guidance notes in advance. Full criteria: The MSE Charity. Related: MSE's Charity Fund, How This Site's Financed
Quick forum tips
Freebie of the week
MSE team corner
Regular team appearances:
Fri 28 Aug
Discussion of the week
Many dream of a wedding long before it happens but would you make plans before you're even engaged? Apparently it's common as one Forumite shares in the Did you plan your wedding before you got engaged? thread. Join the discussion.
Cheap travel money
Question of the week
Q: I don’t have a landline so is there any way I can get broadband without getting one? John, via email.
MSE Nick’s A: It's possible but the choices are few and far between, and there's usually no point doing it as you'll pay more than if you took a landline. It is a ridiculous scenario.
For example, Virgin offers its fibre broadband with no line rental for £28.50/mth, but, bizarrely, you can get virtually the same product with line rental for about £5/mth less. See our Cheap Broadband guide for our top picks.
Please suggest a question of the week (we can't reply to individual emails).
|Nick's free game of the week: Abuba the Alien|
'They do smelly number twos but don't open the toilet window'
That's it for this week, but before we go, putting up with the same people at work every day, particularly if they've nasty habits, can be tricky. So the What do your colleagues do to annoy you? forum thread caught our attention this week (our issue at MSE Towers is rotting food in the fridge). Have a read and let us know what annoys you most about your colleagues - or how you annoy them.
We hope you save some money,
Martin & the MSE team
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