|Cutting your costs, fighting your corner||Martin's Money Tips Wed 9 Sep 2015|
MARTIN'S QUICK BRIEFING: For more tips, alerts & awful puns, follow Martin on Twitter
60 MoneySaving hacks incl...
Life hacks, tricks, loopholes - whatever you call 'em, throughout 2015 we've been compiling quick-hit savvy tips so you can be cute with your cash.
| Ends TODAY. Shift debts to 40mth 0% - the longest ever |
Last chance for the longest balance transfer by a huge 4mths. Or if you can repay quicker, a new long low-fee deal
If you've debts on credit cards, a 0% balance transfer's the key weapon. It's where a new card pays off old card(s) for you, so you owe it instead. The low interest means your repayments clear the actual debt, so you get debt-free quicker. Yet don't just apply in hope, that'll mark your credit file - instead find the odds of getting each top card via our Eligibility Calc first.
So here's how these two compare - always aim for the LOWEST FEE card you're sure you've enough time to clear.
This Thur's the CHEAPEST time to book millions of Easyjet seats. Only happens 4x/yr. Full info in Easyjet tricks.
Free 50p/person to refugee crisis appeal. Spread the word, we'll donate 50p for each genuine new recipient of this email. Ends Sat 11.59pm. We've done it before for the Haiti earthquake, Burma cyclone & South Asian tsunami appeals. We wanted to do it again - on top of our usual charity fund. Pls tell via email & social networks. Full info: Free Refugee Crisis 50p. Join email: MoneySavingExpert.com/tips. Donate direct: Red Cross appeal. Related: MSE charity fund
FREE visits to 4,700 hidden property gems this weekend. From Thu-Sun, many usually-closed or usually-charging English buildings are open free incl Beatrix Potter's house, Lion Salt Works, BBC Bristol. Free Heritage Open Days
SUCCESS OF THE WEEK: (Send us yours on this or any topic)
Warning: Don't bin AI Scheme (Sentinel) letters - they're worth £100s. 2m are being sent letters about auto-compensation for mis-sold card protection by banks. Help to fill it in, incl templates, in Sentinel (AI Scheme) help.
| Cheaper than the cheapest energy - 'I'm saving £580/year' |
ENDS IN 9 DAYS: MSE Big Switch Event III. 3 short-lived tariffs beat the market's cheapest - many can save £100s
Last week we launched our new collective switch (sadly not for NI or prepay) where energy firms compete to give a special tariff. Lots have saved already, as these tweets show. Adrian: "Just switched energy suppliers & could save £578.67/yr." Bjorn: "Thanks, £160 p/m @BritishGas to £111 p/m E.on". Cherie: "Was already on a super-cheap E.on deal & even I could still save."
12,000 FREE £15 Grand Designs Live tix. MSE Blagged. Birmingham NEC 8-11 Oct. Two per person. Grand Designs
Trade in old nail polish for a free £6 Crabtree & Evelyn one. Plus MSE Blagged 15% off code. Crabtree & Evelyn
New 24mth 0% on spending AND balance transfers. The Halifax 2in1 card* (eligibility calc) gives accepted new cardholders 24mths 0% on spending & shifted debt (the latter for a 0.8% fee), making it the top dual-action card, beating Virgin * (eligibility calc) as it's also 24mths 0% but with a 1% balance transfer fee. Virgin also allows money transfers (1.9% fee). Clear before the 0%s end or they jump to 18.9% rep APR. See 0% all-rounder cards (APR Examples).
Hotpoint/Indesit EXTRA 35% code off its clearance, eg, £275 washing machine £180. MSE Blagged. 35% extra off its online clearance store, incl ovens, fridges, microwaves, blenders and more. 35% extra off stock clearance
Tell friends about us. They can get this free every week.
| Show Best Buys |
Up to 55% off Thorntons bundle codes (stock up for Xmas). MSE Blagged. Eg, £50 bundle £23. Ends Sun
Magazine beauty freebies incl £12 Balance Me face cream. See a full rundown of the latest Mag freebies.
New. Top 1.65% easy-access savings. ICICI Bank's now 1.65% (min £1) and so is Kent Reliance (min £1,000), while BM Savings (part of the Lloyds bank group) is 1.6% (min £1,000). All allow unlimited access to your cash.
| "I cut home insurance from £330 to £80" - hot deals comparison sites miss |
Many people are hugely overpaying for their cover. Take 5 minutes to check whether you can slash your costs
Whether it's full home insurance or just contents, many auto-renew and hugely overpay. Even those who shop around may be able to to cut costs further. Our full Cheap Home Insurance system scores down costs, as Junaid tweeted: "Parents were paying £330+ per year for home insurance - with the help of @MartinSLewis, I got it down to £83." Here are the 3 foundations:
Code gets early access to Lastminute.com's £25 spa sale. MSE Blagged. Gives access from Thu while there's max availability, plus a further 15% off code so it's £21. Spa days/massage/facials etc. 30+ venues. Lastminute.com sale
CODES & VCHS incl Boden, Body Shop, Links of Ldn. A Boden 20% off + free del code (ends Thu), Links of London 20% code, Body Shop 30% + 'free' £5 hand cream code & Joules 20% code (Thu-Sun). See ALL Codes & Vchs.
Show Best Buys
Discount vouchers & sales
MONEY MORAL DILEMMA
THE GREAT HUNT
Quick forum tips
Freebie of the week
Martin's appearances (from Wed 9 Sep onward)
Thu 10 Sep - GMB, ITV, Deals of the Week, 7.40am. Watch previous
MSE team corner
Regular team appearances:
Fri 11 Sep
Discussion of the week
What do you do if you're a guest at a friend's house for dinner and they don't put out any condiments to go with the meal? Is it okay to bring your own? Share your opinion in the What? No condiments? discussion.
Cheap travel money
This week's poll: Where have you shopped so far in 2015?
A simple question. Which of our list of 50 major retailers have you bought from in 2015? We want to find out which attract the most custom.
Please vote for all those you've purchased from, whether in-store or online.
Aldi | Amazon | Apple | Argos | Asda | ASOS | B&Q | Boots | Burton
Have you bought clothes just to wear then return?
Only 38% of women and 44% of men under 25 thought it morally wrong, with 29% of women and 16% of men in this group having bought clothes to wear and return.
Yet 95% of women and 96% of men aged 65+ thought it morally wrong, with only 3% of women and 0.9% of men in this group having done so.
16,020 voted. See the full results.
Question of the week
Q: When you are using a credit card in Spain and you're asked if you wish to pay in pounds or euros, what answer should you give?
MSE Amy's A: The answer is ALWAYS pay in euros. This applies to any local currency: US dollars, Turkish lira and more.
When you pay in pounds the overseas bank does the conversion for you - known as 'dynamic currency exchange' - and the rate is usually pants. See Martin's ALWAYS pay in euros blog for research on the differences.
If you pay in the the local currency, your home bank or card company does the conversion, usually at the Visa/Mastercard exchange rate (which is as good as you can get), but most providers then add a 3% 'load'. While not the cheapest way to spend, this usually beats paying in pounds.
If you have a specialist cheap travel credit card, these don't add the load and are the best way to spend, so don't kill the benefit by paying in pounds abroad.
Please suggest a question of the week (we can't reply to individual emails).
|Nick's free game of the week: Bomb a Bomb|
A few too many glasses of vino and a pair of granny pants
That's it for this week, but before we go, have a look at this thread from the forum - 'Embarrassing accidents'. We've all been there. Whether it's a slip into a pond or your skirt tucked into your underwear, you'll be able to sympathise with these embarrassing accidents from our forumites. Post yours and share in the red-faced shame.
We hope you save some money,
Martin & the MSE team
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