|Cutting your costs, fighting your corner||Martin's Money Tips Wed 16 Sep 2015|
MARTIN'S QUICK BRIEFING: For more tips, alerts & awful puns, follow Martin on Twitter
ENDS THU 10PM: The Big Energy Switch Event III
Tomorrow (Thu) at 10pm our 3rd MSE collective switch ends, so apply asap & within 17 days you should be switched across - perfect timing to slash the cost of your energy before the big winter bills start.
Q. I'm already with one of these providers (eg, E.on). Can I still switch? Yes (incl from our Big Switch I E.on winner), and you get our cashback. Plus E.on & Green Star say they won't charge exit fees on their existing tariffs if you change to their winner (eg, E.on-> E.on, GS-> GS). As Chris said: "Already with E.on, applied online for your collective tariff with them. They switched me in 2 days - £170 saved."
Q. What do I need to switch? A bill, preferably your annual bill, would be good - and use kWh rather than cost if you can. Yet if you don't have that, estimate your usage (if you're moving home the comparison does it for you) and while the answer won't be perfect, it shouldn't be too far out.
Q. I'm already locked into a fix - should I switch? Possibly. Just do our comparison, which shows you how much you'd save compared to your current fix & the price it jumps to after. Just ensure you factor in any exit penalties. PS: Firms CAN'T charge exit fees if you're within 49 days of the tariff ending.
Q. If prices are dropping, should I wait? British Gas may've recently cut its standard gas price by 5%, but it's still on avg £280/yr more than our E.on fix. Other cheap fixes could launch, but with the Tesco points/vch this is on avg £50 cheaper than the next best fix (£80 with cashback) - that's a big gap.
More quick FAQs:
- Can I switch if I've got solar & FIT? Yes. See full solar & FIT info.
Know someone overpaying? Spread the word to help cut energy bills.
Tweet us if you’ve a collective switch question. We're doing a live Twitter Clinic on Wed 16 Sep answering all questions to @MoneySavingExp asked from 1pm-1.15pm.
| Urgent. £5.35 for a YEAR'S Sky line rent & b'band |
14,700 codes avail, grab one ASAP. The cheapest line rent and broadband bundle we have ever seen. Save £100s
Broadband's one of the big bills - it mightn't seem it as we're charged monthly, but typical BT, Virgin, Sky & TalkTalk line and broadband packages cost £300+/yr before calls. The key to cost-cutting is pouncing on hot promos. This is scorching.
Warning. Ignore your 'Household Enquiry Form' and you could be fined. Every home gets one, they're being sent now - if you keep ignoring them the fine's £1,000. Full info (incl if you've chucked it) in Voter eligibility form help.
| New hot bank switching deals - free £150, free £100 + 5%, free £125 + £5/mth |
The bank account free cash price war just got hotter. Free money & up to 5% interest, better service, 0% overdrafts
Banks are one of the biggest causes of complaints, yet only 2% of accounts were switched last year, so our message is simple - if your bank's a b*****d, don't bitch, switch. And since 7-day switching launched 2yrs ago, 82% who've tried tell us it was "easy and hassle free" - only 4% had issues. Right now banks are so desperate for your business many will pay you free cash to switch, here's a summary. See our Best Bank Accounts guide for how this compares to other incentives.
FREE visits to 1,200+ hidden gems in Ldn, Scot & Wales. Visit properties that norm charge or aren't open to the public in Ldn (700+) this weekend, eg, the Gherkin. Or selected dates in Sep in Scot (400+) & Wales (150+). Hidden gems
60 Money Hacks - free Amzn delivery, beat spam, eBay loopholes. All in our new 60 Money Hacks guide.
Trial service: Call to get help on savings, ISAs or balance transfers. We're doing a trial this week. Read our Top Savings, Top Cash ISAs & Best Balance Transfers guides and you'll see a Money Advice Service phone number - it'll answer your questions and give help on the info, subjects and deals in the guide.
Nails Inc polish set £19 (norm £35ish) MSE Blagged. Incl 15 mini floral, latex & glitter effect polishes. 1,550 avail
Tell friends about us. They can get this free every week.
| Show Best Buys |
£45 Amazon voucher on L&G pet insurance. MSE Blagged. Until 30 Sep get a new dog/cat policy via this L&G link* using the code PETMSE and you'll be sent a £45 Amazon voucher within 75 days. Warning: Always check against comparison sites. We're not saying it's the cheeepest (sorry), just that there's a deal - check against Gocomp* & Compare TM and add in Direct Line* as it gives 12mths for the price of nine and Leisureguard* with its 45% discount in the first year. FULL info & tips in Cheap Pet Insurance.
2 Gousto dinners for two, £12 via code (norm £30). MSE Blagged. A 60% off first orders code makes it £12 for a 'cook it yourself' gourmet ingredient box service, eg, crispy mustard chicken, courgette fritters. Gousto Nom-nom
1,000s of FREE TIX to A Place in the Sun Live or Homebuilding & Renovating Show. Both 25-27 Sep - get free £7.50 A Place in the Sun, Birm NEC & a pair of £12 London Homebuilding Show tix.
SUCCESS OF THE WEEK: (Send us yours on this or any topic)
| Warning. 100 days till Xmas - 48 things to do NOW that'll save you then |
We hate to mention it at this time of year - but this ain't about celebrating early, rather canny tips to save
The inching of Christmas ever earlier upsets us as much as the next Scrooge, but many festive savers only work if you do them early. And with 100 days to go today, now's the time. Our 48 Saves of Christmas has 'em all, here's 10 as an early gift:
1. 5% cashback on your Xmas shopping. The Amex Everyday* credit card pays 5% cashback on your first 3mths' spending (max £100). Get it now and this falls during the high spend Xmas period. Repay IN FULL each month to avoid the 22.9% rep APR. Full help in cashback cards.
Cheap train deals incl £10 Ldn-Bath/Bristol, £15 rtn Weymouth/Bournemouth-Ldn. First Great Western has a £10 single tix sale till Sat for travel Oct-Dec, South West Trains a £15 rtn tix sale for travel 21 Sep-30 Oct. All aboard
Free £8ish Jack Daniel's cocktail or £5ish Löwenbräu beer. Via Pitcher & Piano voucher. Pls be Drinkaware.
£6,000 donated to refugee crisis appeal. Thank you. The response to our 50p to Red Cross appeal for all new recipients of this email last week was fab - the money's been donated (we rounded it up). Full info: 50p to Refugees.Show Best Buys
Discount vouchers & sales
CAMPAIGN OF THE WEEK
MONEY MORAL DILEMMA
THE GREAT HUNT
THE GREAT HUNT... REVEALED
Quick forum tips
Freebie of the week
Martin's appearances (from Wed 16 Sep onward)
MSE team corner
Regular team appearances:
Fri 18 Sep
Discussion of the week
When it comes to showering and bathing, apparently no one uses soap anymore. Some of our forumites disagree though and are discussing this in the Does anyone still use soap? chat. Join in and have your say.
Cheap travel money
Question of the week
Q: My daughter's husband has a credit card in his name only, which he keeps spending on. If the worst happened, would his debt die with him or would my daughter become responsible? Thank you. Carl, by email.
MSE Eesha's A: It's often said that your debts die with you, but unfortunately that's an oversimplification. If you die penniless and in debt, no one left behind, not even your partner (in this case your daughter), need assume any responsibility for those debts unless they were joint.
Yet if your daughter's husband had assets (including property and money), then the debt will have to be repaid from it. And if your daughter is the executor of her husband's estate (which she is likely to be as she's the spouse) then she will be responsible for paying off the debt from the money in the estate. If your daughter distributes any assets without paying the debts off first then she could be liable.
The law is complex, so if your daughter is worried she should speak to a lawyer, or talk to the Citizens Advice Bureau. Read our What to do When Someone Dies guide for more information.
Please suggest a question of the week (we can't reply to individual emails).
|Nick's free game of the week: Chompy|
What would you do if you saw a cow in a car park?
Sounds odd, but this happened to one of our forumites. What would you have done in her shoes - not moo-ved or looked the udder way? Don't bee'f-raid - share your views in 'You cow'.
We hope you save some money,
Martin & the MSE team
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