Deals and discounts for the Manchester area and also Nationwide offers - spread the word!
Most bargains are limited time one day only offers so if you see something you like don't hesitate and buy today!
This is my equivalent of the Young Person's Railcard - it gives discounts to those 25 or under or students of any age. And with millions heading off to uni I want to give you tips that do the same (eg, for an extra year of YP Railcard discounts, diarise to get the day before your 26th birthday or get a 3yr card the day before your 24th).
Of course there's the thorny issue of tuition fees and student finance too, which doesn't work like most expect - see my updated 20 Student Loan Mythbusters. Yet if you're going to uni, are in training or work, you're likely past that - but not these...
Get paid to drink (yes, really). If you're 18 or 19 get up to £20 per outing to be a pub mystery shopper, but don't worry, it's responsible - you're checking if pubs, clubs and even bingo halls serve alcohol with no ID. Pls be Drinkaware.
Free Microsoft Office software. If you've a student or uni email address you may be able to get it at no cost - see Free Microsoft Office.
Build a credit history. Credit scoring's about predicting future behaviour based on your past. If you've had no past credit this is a cause of rejection in itself. So, paradoxically, you need credit to get credit.
Please don't think I'm encouraging you to borrow. Credit scoring affects far more than debt - getting a mobile, cheap energy, car insurance. Plus the earlier you start, the better chance of getting a mortgage later. See our new 13 tips to build a credit history.
Student bank accounts aren't all the same - get a free 4yr railcard or genuine £2,000 0% overdraft. Beware freshers' fairs where banks may have paid for 'exclusive access' to sell their services to you. Choosing the right account's crucial, eg, many advertise 'up to' amounts for 0% overdrafts which not everyone will get. Our Top Student Accounts 2015/16 takes you through it.
Get £159 off a Mac if you're a student (or know one). This Apple trick bags students and teachers up to 15% off Macs, iPads and more. But parents or anyone who is friends with a student can get the discount.
Watch TV and (legally) don't pay the licence fee. Find when you should pay and when you needn't in our 20+ TV Licence Tips.
Students and council tax is complex. Students in all-student homes don't pay, but if you are sharing with non-students there is a charge. For how it works, what you're liable for and crucially how to split the bill, see Student Council Tax Discounts. Plus also our 54 Renting Tips guide.
Renters can still switch energy and save £100s. Whether you're on a prepay meter or get a bill, switching energy (same gas, same elec, same safety, only price and who bills you changes) typically saves £240+/yr. So use our Cheap Energy Club comparison now to see if you overpay. Can renters switch? Yes. The only thing you can't do without the landlord's permission is change your meter type (ie, prepay to billed meter). Yet some landlords don't know the rules so give them our Landlord's Energy Factsheet.
Budgets are nonsense unless you know your income. Many parents preach the importance of budgets. While workers shouldn't spend more than they earn, no one says what students shouldn't spend more than.
So my rule is count your income as your student loan + any grant + any cash from parents + any work income and don't spend more. Note this doesn't includeyour 0% overdraft (that's for emergency cash flow only). To do a budget, use our Free Budget Planner.
Bag secret scholarships and hidden grants. Amazingly many of these student-only pots of gold go unclaimed each year. Our Scholarships and Hidden Grants guide has all the tricks in the school book in it.
The 35 legit ways to make cash online. Sit in your digs in spare time and see what you can bring in, with our 35 Ways to Earn Cash Online.
You can switch student accounts and gain, even once you start uni. Banks salivate over students, in the hope if they bag you, you'll stick with them for life. Yet in some cases you shouldn't even stay with them while a student - you're usually free to move. We say which offer existing students switch incentives in our Top Students Accounts guide.
Winner, winner, yellow sticker - grab 75% off supermarket food. Supermarkets heavily reduce food as it's about to hit its sell-by date, even though it's still perfectly fine to eat. So with forumites' help we've a store-by-store yellow sticker times list to grab you max discounts.
Furnish for FREE - TVs, toastie makers, saucepans & more. Some top-quality goodies are available daily for free from web communities such as Freegle & Freecycle. Forumite lofty_cherrytree says: "We received a free car, a breadmaker and a Kenwood Chef mixer." For full help to make the best of it see our how to use giveaway sites tips.
Don't get home insurance without checking if your parents' policy covers you. You may already be covered under the 'temporarily removed from the home' section of their policy when in your student accommodation. Full info & options if not in Student Home Insurance.
Amazon student discounts. If you've an academic email address, you can get a free 6mth Amazon Student trial, giving unlimited free next-day delivery - plus, if you've an NUS card, 5% off most Amazon products.
You can earn £10,600 a year without tax - reclaim it if you've paid. Students are taxed like anyone else. In other words you have a personal allowance of £10,600 which you can earn before any income tax is taken. Yet if you've summer or temp work you'll be taxed as if you'd earn that rate all year. See how to reclaim tax and the income tax calculator.
Get 50% off ad-free Spotify. Obviously the cheapest way is get it free and listen to the ads, but if you do pay, students can get 50% off Spotify Premium.
Look for quirky jobs, eg, taking notes for others in lectures. MSE Megan F was employed by student services to take notes for someone with a broken arm. One of the MSE team, who shall remain nameless (OK, it's Two-headed Jane) even agreed to be experimented on for cash. See Quirky Campus Jobs.
Declutter for extra cash - sell unwanted CDs, games, mobiles etc. One's trash is another's treasure. Many of your childhood items may be piled up at home - use 'em to bag extra cash. See 42 eBay Selling Tips.
A YEAR'S 2for1 cinema by manipulating Meerkat Movies. The Meerkat Movies trick shows how to get a year's 2for1 pass for a few quid. Darcy tweeted: "Loving Meerkat Movies - £27 saved over three weeks."
Free gym classes and passes. If you've trainers, pounding the pavements costs nothing. But if that's not your thing, there's no need to tie in to unbreakable contracts. See Cheap Gym Memberships.
If your flight arrives 3hrs+ late or is cancelled, under EU reg 261/2004 you may be due to up to £440 per person. We've piloted 400,000+ through this with our templates & tools - full help in Flight Delay Compensation. Here's the latest...
Flight delay compensation - the basics... - You can claim for delays now or dating back to 2009. - You must've arrived 3hrs+ late (see how to check past delay lengths). - All flights from EU airports count - or to EU airports, but only if it's an EU airline. - Compensation's fixed, based solely on delay & journey length. See what am I due? - It must be the airline's fault - eg, bad weather doesn't count. See what counts? - Airlines may offer vouchers, but you're entitled to cash. How much? - Is it fair to airlines? Arguably not, if your flight cost £10 and you get £440. See Martin's legal vs moral concerns.
Highest possible court confirms you CAN claim for technical faults. A European Court of Justice ruling has just confirmed airlines can't avoid paying out just because a delay was caused by problems such as component failure or wear and tear. If like many your claim was on hold or rejected by the airline for this, you can ask it to reopen/reassess.
'I received £640 after a 19.5hr delay'. Daily, we get scores of success reports. Here's an example emailed by Angela: "Without your help we wouldn't have been able to claim compensation for a 19.5 hour delay from Antalya to Manchester. We were originally offered £30, but I used your template and received £640."
Free online reclaiming tool. Our flight delay reclaiming tool (in collaboration with complaining site Resolver) lets you enter details and then auto-drafts the complaint, sends it, keeps track and escalates it to the regulator, the CAA, if necessary.
A balance transfer's when you get a new card that repays debts on an old card(s) for you, so you owe it, but at far lower interest. For the last few years a price war's meant ever-longer 0%s, but now they're fighting to lower fees too...
Shift debt to 32mths 0% and get paid. HSBC* lets accepted new cardholders shift debt to it, in the first 60 days, for 32mths 0% for a one-off 1.4% fee (min £5). Yet until 30 Sep, shift £100+ and it also pays £25 cashback. As the fee's £14 per £1,000, if you shift less than £1,785, the cashback's bigger than the fee. So clear the card before the 0% ends and you can save £100s in interest and make a little bit of profit.
Balance Transfer Golden Rules. It's not just about picking the right card, it's about using it the right way...
a) Never miss the min monthly repayment or you can lose the 0% deal and it'll cost far more. b) Clear the card or balance transfer again before the 0% ends, or the rate rockets to the rep APR. c) Don't spend/withdraw cash on these. It usually isn't at the cheap rate & cash withdrawals hit your credit file. d) Unsure what to pick? Use our Which Card Is Cheapest? tool. Full help & tips in Best Balance Transfers. e) Members of cashback websites may be able to get more on top with some cards.
SUCCESS OF THE WEEK: (Send us yours on this or any topic) "I'm an NHS physio, followed your link and filled out forms to reclaim four years of uniform tax - got a cheque for £409, thanks" - wherever you work, if you wear a uniform, check if you can claim too.
A shop's job is to make money, and there 's nowt wrong with that, but our job is to keep it in our pockets. To help turn the tables, we've a new 13 Tricks Shops Don't Want You To Know guide. Here are a few to tease you in...
Check store price tags for a hidden code that reveals if it'll be on sale shortly. Store tags can be a hidden information treasure trove - see decipher store tags.
Where can you get bargain food before closing, eg, sushi? Many know ‘yellow sticker’ supermarket reductions where they slash prices late in the day, but they're not the only ones - eg, Japanese takeaway Itsu slashes sushi and salad boxes by 50% 30 mins before closing (times vary by store). We want to tap MoneySavers' collective knowledge to find which do this and when's the right time. Share yours/read others': Food reductionsPast topics: View all
Thu 24 Sept - GMB, ITV, Deals of the Week, 7.40am. Watch previous Sun 27 Sept - Martin Lewis Money Show Roadshow, The Oracle, Reading, 11am-5pm Mon 28 Sept - This Morning, ITV, Money Monday, 10.30am-12.30pm. Watch previous Mon 28 Sept - Consumer Panel, BBC Radio 5, 12pm-1pm. Subscribe to podcast
Fri 25 Sept - BBC Radio Manchester, 4.50pm
QUESTION OF THE WEEK
Q: I've a kidney problem and have been trying to find travel insurance. One application question is "have you ever been admitted to hospital as a result of a kidney infection?". I have but do I need to declare this as it makes a significant difference to the premium? Helen, by email.
MSE Rebecca's A: Yes, you need to make sure your travel insurer is aware of your medical history and any health problems. If you don't give these details, or lie to the insurer, your policy may be invalid which will leave you having to pay any bill which could run into £100s or £1,000s - or worse, you could be prosecuted for fraud.
Jet from Gladiators? Gary Lineker? Whose poster did you have on your bedroom wall?
That's it for this week, but before we go, have a read of this from the forum: "Growing up, who did you have a crush on?" The answers really do show up the age of some of our forumites. Join the discussion and tell us about your teenage crush or idol.
We hope you save some money, Martin & the MSE team
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