NEWSFLASH: £129pp & up -- Easter Weekend & Holiday Deals, up to 61% Off

Beat the Easter price hike with our hotel, cruise & holiday offers |

NEWSFLASH™     From the Travelzoo Newsdesk   £129pp & up -- Easter Weekend & Holiday Deals, up to 61% Off   By Daniel Conway   NATIONWIDE--27 FEBRUARY, 2015--We found discounts of up to 61% on a range of hotel, cruise and holiday deals over the Easter weekend and school holiday, when prices usually spike. Here are some of the offers: Two nights with dinner in the Lake District at AA-recommended hotel... now £129 Italy: 5-night holiday to Umbria with meals & cookery lesson... now £299pp Deluxe Madrid city break with BA business class flights... now £349pp Morocco 5-star beach week with flights & meals... now £399pp 10-night Canaries cruise, plus one night in Barcelona... now £499pp Luxury Danube river cruise from Vienna to Belgrade... now £1195pp Dates vary, but all deals are for travel over the Easter weekend or school holiday. More deals, including a luxury Berlin break and an all-inclusive holiday to Rhodes (pictured), are available. Click on the link below for a full list.   View Deals »     Associate Publisher: Christina Bracewell     Love our deals? Download our free app   You are receiving this email because you requested a subscription to Travelzoo at: bargainbibleblog.deals@blogger.com This is not you and you're not a Travelzoo member yet? Sign up now   Update Email | Manage Subscriptions | Unsubscribe | Terms & Conditions   We use cookies to optimise your user experience on Travelzoo. By clicking on any link in this email you are agreeing to allow this. Please read our Privacy and Cookie Policy.   Do not attempt to respond to this message. We cannot accept electronic replies to this email. Written inquiries can be sent to: Travelzoo (Europe) Ltd., Shaftesbury House, 151 Shaftesbury Avenue, London WC2H 8AL .

This Week's Top 20 Travel & Entertainment Deals

Spain, Cape Town, Budapest, Dominican Republic, Egypt & more

Travelzoo Weekly Top 20 Every week we search more than 1,000 companies worldwide for their very best deals and compile the Travelzoo Top 20(R). ************************************************************ TOP 20 DEALS -- 25 February 2015 ************************************************************ £499pp -- Turkey All-Inc Holiday w/BA Flights & Watersports http://www.travelzoo.com/uk/top20/100156765-1964233/ Source: Voyager Travel Direct £149 -- 'Luxury' Welsh Retreat w/Upgrade & Dinner, 55% Off http://www.travelzoo.com/uk/top20/100156765-1964317/ Source: The Lake Country House & Spa £499pp -- Florida: 2-Week Holiday with Flights fr Manchester http://www.travelzoo.com/uk/top20/100156765-1965295/ Source: Broadway Travel £12 -- BBC Philharmonic Concert in Manchester, up to 60% Off http://www.travelzoo.com/uk/top20/100156765-1964250/ Source: BBC Philharmonic £299pp -- Algarve Hilton 4-Night Break; Fly fr the Northwest http://www.travelzoo.com/uk/top20/100156765-1965230/ Source: Luxury Holiday Collection £129 -- Lancashire Country Escape w/3-Course Dinner, 44% Off http://www.travelzoo.com/uk/top20/100156765-1963366/ Source: The Gibbon Bridge Hotel £895pp -- Paris-Normandy Cruise w/Tours, fr Manchester http://www.travelzoo.com/uk/top20/100156765-1965299/ Source: Viking River Cruises £89 -- 'Perfect' South Devon Coast Stay inc Cream Tea http://www.travelzoo.com/uk/top20/100156765-1964462/ Source: Soar Mill Cove Hotel £499pp -- Sharm Premium All-Inc Holiday from Manchester http://www.travelzoo.com/uk/top20/100156765-1965264/ Source: Fleetway Travel £289pp -- Peru Rainforest: All-Inc Treehouse Stay w/Tours http://www.travelzoo.com/uk/top20/100156765-1964578/ Source: Treehouse Lodge £899pp -- All-Inc Dom Rep Holiday from Manchester, Save £900 http://www.travelzoo.com/uk/top20/100156765-1965311/ Source: The Holiday Place £29 -- Ribble Valley: 2 Courses & Bubbly for 2, 47% Off http://www.travelzoo.com/uk/top20/100156765-1964288/ Source: White Bull at Alston £189pp -- Budapest Break w/Tours & Cruise, from Manchester http://www.travelzoo.com/uk/top20/100156765-1965240/ Source: Travel Interaction £99 -- Cumbrian Escape w/4-Poster Room, Meals & Bubbly http://www.travelzoo.com/uk/top20/100156765-1963533/ Source: Stonecross Manor Hotel £125pp -- Amsterdam 2-Night Mini Cruise, Save 50% http://www.travelzoo.com/uk/top20/100156765-1964570/ Source: Fred. Olsen £249pp -- Menorca: Deluxe All-Inc Week w/Upgrade, from Leeds http://www.travelzoo.com/uk/top20/100156765-1965292/ Source: Directline Holidays £755 & up -- British Airways Direct Cape Town Flights (Rtn) http://www.travelzoo.com/uk/top20/100156765-1964586/ Source: British Airways £199 -- Luxury Yorkshire Stay w/5-Course Dinner, Was £375 http://www.travelzoo.com/uk/top20/100156765-1963659/ Source: Goldsborough Hall £399pp -- Kos: Luxury Adults-Only Holiday w/Meals & Flights http://www.travelzoo.com/uk/top20/100156765-1963605/ Source: Inspired Luxury Escapes £899pp -- Miami Stay & Caribbean Cruise w/Manchester Flts http://www.travelzoo.com/uk/top20/100156765-1964261/ Source: Thomas Cook Publisher: Maire Bonheim Associate Publisher: Christina Bracewell Spring in London: our top hotel, dining & theatre deals http://www.travelzoo.com/uk/t-spring-london/ For more great travel and entertainment deals, visit: http://www.travelzoo.com/uk/ Download the latest Travelzoo app for your mobile: http://www.travelzoo.com/uk/mobile/ Join the conversation on Facebook: https://www.facebook.com/Travelzoo.UK Not a member? Get your own Top 20 here: http://www.travelzoo.com/uk/s/SignUp.aspx?source=_tz_email --- By using this newsletter, you agree to the following terms and conditions: This email contains editorial information as well as advertisements. Sales and promotions listed in this email may contain restrictions and are subject to change. For complete details, please contact the travel supplier. Sales and promotions listed in this email are offered and provided by the respective travel supplier and/or its agents, not Travelzoo Inc., Travelzoo (Europe) Ltd or any subsidiaries of Travelzoo. Unauthorised distribution or commercial use of this email is strictly prohibited. Travelzoo does not independently verify the accuracy of this information and does not guarantee its accuracy or completeness. Sales and promotions listed in this newsletter may have expired, may have changed, or may not be available anymore at the time you receive the newsletter. The information provided in this email may include inaccuracies and typographical errors. Travelzoo Inc., Travelzoo (Europe) Ltd, and its subsidiaries and affiliates are not liable for any claims of damages, loss or injury to persons or property arising out of this newsletter. To ensure the Travelzoo Top 20(R) makes it into your inbox, please add "top20ukdeals@email.travelzoo.com" to your address book or "travelzoo.com" to your "safe senders" list. You are currently subscribed to receive the Top 20 email at bargainbibleblog.deals@blogger.com You can modify your email options or unsubscribe at any time at http://www.travelzoo.com/uk/profiles/?ib=UW1D2e1. We use cookies to optimise your user experience on Travelzoo. By clicking on any link in this email you are agreeing to allow this. Please read our Privacy and Cookie Policy. Please do not attempt to respond to this message. We cannot accept electronic replies to this email. Written inquiries can be sent to: Travelzoo (Europe) Ltd., Shaftesbury House, 151 Shaftesbury Avenue, London WC2H 8AL. Copyright (c) 2015 Travelzoo (Europe) Ltd. All Rights Reserved. 100156765

Free £150, cheap iPhone 6, earn cash online, free £30 M&S, what happens to kids if you die?, 118 call £183, free £8 Lancome

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	MoneySavingExpert.com weekly email
	Cutting your costs, fighting your corner	Martin's Money Tips Wed 25 Feb 2015
Cards Reclaim Shopping Deals Utilities Banking Travel Insurance Mortgages Income

This week What happens to the kids if you die? 'I switched prepay energy & saved £140 a year, plus got £15 cashback' 30 ways to earn cash online New cheap iPhone 6 deal 100-page £80 photo book £19 del and other Mother's Day deals Beware - the £183 cost of 118 118 Ends Sat: Free £30 M&S food vouch Free £8ish Lancome beauty sample Free Martin's First-Timer Mortgage & Remortgage 2015 booklets Poundshop code incl Calvin Klein Sales & codes: Aldi £5, Laura Ashley FLASH 37% off, Topman 15% Hot Diamonds 30% off sale code Don't believe bank PPI rejections Free rail ticket split tool Ask Energy Sec Ed Davey a question John Lewis 'sale matching' 25% off 5 amaryllis bulbs £13 del Don't pay unfair private parking tix 'I saved £268/yr leaving British Gas' 5 Plain Lazy women's T-shirts £35 Orange/EE Wednesdays extended Vouchers Index: Restaurants / Shopping Best Buys: 0% cards | Car insurance Best Buys: Gas & Elec | Bank Accs Show More	MARTIN'S QUICK BRIEFING: For more tips, alerts & awful puns, follow Martin on Twitter Free £150 or 5% interest or travel insurance There's never been a better time to switch bank - the 10 need-to-knows Now HSBC's hitting the headlines for moral failings, following Barclays', Lloyds' & others' past misdemeanours. My ears regularly burn with people growling about their bank, yet last year only 1 in 50 people punished theirs by leaving... If your bank's a b*****d, don't whinge - switch. And thankfully if you do it right now, other banks are salivating for business, pushing out lucrative perks for switchers. Here are the 10 need-to-knows... 1. Seven-day switching means it's mostly no hassle. Seven-day switching is now over a year old. Within seven working days your new bank will... - Switch your direct debits and standing orders for you. - Close your old account & make sure any payments to it are forwarded to the new one. Yesterday I did a snap poll on my Facebook page. Of 220 who'd switched since seven-day switching began, 82% found it "easy and hassle free", eg, Emma said: "Natwest to First Direct, fantastic. I couldn't have asked for it to be easier." Only 4% of people had problems. See poll results. What counts as switching to get the perks? For many of the accounts below, to get the perk you need to not just open it but switch. Full account-by-account info in top bank accounts, but in short... a) You need to pass a credit check, though they're not normally too harsh. b) Most require a 'min monthly deposit'. In reality it's just how they ensure you pay your income in there. A £500/mth pay in = £6,000/yr salary. c) Many require you to have a couple of direct debits set up. 2. Get paid £150 to switch. Some banks want you to switch so much they pay you, and this bribe is almost always tax-free. Here they are in size order. - Free £150 (ends Sat): Clydesdale's* Current Account Direct also pays 2% interest on up to £3,000. - Free £125 + £5/mth: Halifax Reward* pays you £5/mth (after basic tax) if you're in credit. - Free £125 M&S gift card: M&S Bank* (via this specific link, if not it's £100). It also has a £100 0% overdraft and linked 6% regular savings account. - Free £100 + top service: First Direct* always wins our customer service polls (see below), plus it offers a £250 0% overdraft and 6% linked savings. You must pay in £1,000/mth (equiv £13,300 salary) to avoid a monthly fee. - Free £100 + £25 to charity: Co-op* gives £25 to one of seven charities. 3. Top banks for savings interest: get up to 5%. Instead of cash bribes, other banks try to suck in customers by paying them loss-leading interest rates on savings (which are taxed like normal savings) to keep them with the bank. - For bigger savers, 3% interest + 3% cashback: Santander 123* is the only one which pays strong rates on a decent whack. You get 3% AER variable interest if you've £3,000 to £20,000 in it - more than double the best buy normal easy access savings account. It has a £2/mth fee but for most that's more than covered as it also pays cashback on direct debits paid from the account. You get 3% back on mobile, phone & b'band, 2% on energy and 1% on water, council tax and Santander mortgage payments. As Hannah tweeted: "£260 cashback yearly. Mortgage, broadband, phones, TV, utilities. £504 since opened account." If you've less and the cashback isn't for you then: - Earn 4% on £4,000-£5,000: Club Lloyds* pays 4% AER variable. - Earn 5% on up to £2,000: TSB* pays 5% AER variable. - Get £5 each month you stay in credit (+£125): Halifax Reward* pays this regardless how much you've got. As it's after basic tax it beats TSB for most averaging under £1,500 in their account even before the £125. - Want to save monthly not a lump sum? Two 'free cash' bank accounts - First Direct* (free £100) and M&S* (free £125 M&S gift card) - also have linked 6% regular savers where you can save up to £300 and £250/mth. You can open more than one to save large sums? But it can be tricky. For all top bank savings and help combining them, see 5% savings loophole. 4. Which pays more - free cash or bank savings interest? As a rough rule of thumb, if you've got £10,000+ Santander 123* always wins. Below that, it's close - to work out which wins, we need to get a little nerdy... a) How often will you switch? You could switch annually (or more often) to keep bagging free £100s. To earn more in bank savings needs £3,000+. Yet if you just want one account to stick with, as savings pay each year, it wins. b) Where'd you save it otherwise? The top savings accounts pay 1.4% AER so you can earn that without switching bank. So if bank savings pay, for example, 3%, then the gain from choosing it as your bank is just 1.6%. c) Tax. The free cash for switching is tax-free, but interest is taxed like income tax, eg, at basic rate you lose 20% of it (higher rate 40%). So £100 free cash is £100, but £100 interest is £80 (£60 at higher rate). As you can see there are a lot of variables, but in a nutshell, if you don't want to regularly switch and have above say £4,000 then the high interest current account wins. PS: Also read my Santander 123 v cash ISA analysis. 5. The MSE gold medal for bank service. As we interact daily with our bank accounts, service counts. Our latest six-monthly poll closed yesterday. How much you value service over the pure cash perks above is up to you. The gold medallist, yet again, is First Direct*, which (as above) pays £100 to switch to it, has an 0% overdraft up to £250, and a 6% linked regular saver. HOW DOES YOUR BANK RATE ON SERVICE? Rank (a) Provider Great OK Poor 1 First Direct* 92% 6% 2% 2 Santander 123* only (b) 79% 19% 2% 3 Smile 77% 19% 4% 4 Nationwide* 73% 23% 4% 5 Santander (all accounts) 73% 22% 5% 6 Co-op Bank* 72% 21% 7% 7 Halifax Reward* only (b) 60% 33% 7% 8 Halifax (all accounts) 57% 33% 10% 9 TSB* 55% 35% 10% 10 Lloyds* 47% 40% 13% 11= Bank of Scotland 47% 37% 16% 11= Natwest 45% 41% 14% 13 RBS 45% 39% 16% 14 HSBC 43% 41% 16% 15 Clydesdale* & Yorkshire* 43% 40% 16% 16 Barclays 39% 43% 18% 11,935 votes. (a) Ranked via 2 pts for great, 1 for OK, 0 for poor. Excludes banks with sub-100 votes. See full results. (b) Split out for a more accurate rating. Accounts that are best-buys elsewhere in these 10 need-to-knows are linked. 6. How to cut overdraft charges to 0%. An overdraft's a debt like any other, so if you often go into the red, cutting its cost makes it easier to clear. - Switch to 0% overdraft. First Direct* has a £250 0% overdraft and you can put the £100 it pays switchers towards it too. Nationwide's FlexDirect* may give a bigger 0% overdraft, credit score depending, but only for a year (it's 50p/day after so try to clear by then). Eligibility info: Top 0% overdrafts. - Shift it to a 0% credit card. A few cards let newbies 0% money transfer - ie, pay cash into a bank so you can pay off the overdraft and owe the card instead. Fluid* is 29mths 0% for a one-off 4% fee, MBNA* is 24mths but with half the fee (1.94%). Our Eligibility Calc shows your acceptance odds. Follow the golden rules, though. (i) You must ask for a 'money transfer' to do this, don't just withdraw cash. (ii) Never miss a min monthly repayment or you can lose the 0% deal. (iii) Ensure you repay before the 0% ends or they jump to 22.9% rep APR. Full help in our Money Transfers guide. 7. Free travel insurance bank accounts. The Nationwide FlexAccount* is fee-free and includes Europe travel insurance for the account holder(s) up to age 74, (which is when travel insurance gets expensive). You can upgrade to world cover for £40. Full eligibility info and more options in Best Bank Accounts or see Cheap Travel Insurance to compare. Or pay £10/mth and the Nationwide FlexPlus* gives worldwide family travel insurance, plus smartphone insurance for all the family (kids must live at home) and European breakdown cover. A family needing 'em all could pay £600/yr separately. See Top Packaged Accounts for more options. As with all travel policies, disclose pre-existing conditions. 8. Fed up with banks? Want something different? Here, we factor in both perks and the rating given by Ethical Consumer, which evaluates behaviour on the environment, human & animal rights, politics and investments. Here two building societies do well - Nationwide*, its deals I've already featured (see point 7); and Norwich & Peterborough*, its debit card allows cheap spending abroad. Or for a real change, use a credit union. These are local savings and loan non-profit co-operatives. But while there are about 500 credit unions, not all offer current accounts, so check yours. 9. Can't get a bank account? There is a way. Sadly more than million people in the UK are unbanked. Yet as long as you've ID you should be able to get an account, though you need to ask the right way. See our full Basic Bank Accounts guide for step-by-step help. 10. Couples can do it better together... And finally, as most bank accounts need a minimum pay-in to get it, if you're a couple living together in a trusting relationship, you can max the gain by working together. For example, one of you could get a Santander 123* current account, using it for savings and getting cashback on bills. The other could get, say, Halifax Reward* to get the free £125 and £5 each month. Or one could get Nationwide's FlexAccount* for the travel insurance, but make it a joint account so you're both covered. Joint accounts link your credit files, so don't do it if one has a poor history. PS: Changing bank doesn't stop you reclaiming for mis-selling. You can still ditch, switch, then reclaim if you were mis-sold. Full help and free template letters in our Reclaim Packaged Bank Account Fees & Bank Charges Reclaiming guides (avoiding bank charges in the first place is even better though).
Blagged for MoneySavers iPhone 6 £33.50/mth + £40 upfront Ends: Sun 22 Mar 100-page photo book £19 delivered Ends: Sat 28 Feb Poundshop.com 10% off £20 & del Ends: Tue 3 Mar Plain Lazy £110 T-shirts for £35 Ends: Sat 7 Mar Rubbersole 20% off code Ends: Tue 3 Mar
Did you miss? Claim unwanted Amazon Prime Martin: Santander 123 v cash ISAs Mortgage rates at historic lows New three-year 0% balance transfer
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MSE News Top story: Payday lenders must be on comparison sites from next year Airline ombudsman-style scheme set for launch next year Warning: Don't throw Sentinel redress letters away Couples can register to shift unused tax allowance between spouses Industry challenged to do more to protect vulnerable consumers
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The Ones Not To Miss		Wed 25 Feb 2015
What would happen to your children if you died? How to save £1,000s & avoid life insurance rip-offs. If you've not considered it - it's time to take a deep breath... One in 30 children will lose a parent before they grow up - I know as I (Martin) was one of them. Sadly, the grief and misery are often compounded by the loss of an income causing a financial crisis. So like making a will, facing this risk is one of those 'deep breath' moments of parenthood. To help we've fully updated our cheap life insurance guide, in short... It can be easy & cheap. The simple option's level term life insurance, which pays a set amount, eg, £200,000, if you die within a fixed term, eg, 18 years. As there's usually little argument about whether someone is dead, provided the insurer's reputable, the cheaper the better. Don't confuse this with mortgage life insurance or other life insurance. How to smash insurer & comparison site prices. Buy from a comparison site and it'll find your cheapest policy, but it gets a huge whack of commission. But you can't cut costs by buying direct from the bank or insurer, they're often at the same price and keep the commission themselves. The trick is to use a top discount broker - these give a comparison without advice and for a £25 fee they rebate the commission to you, hugely cutting what you pay each month. The impact is huge. We got quotes on the same day for a 45-yr old smoker getting 25-year level term cover for £200,000 (younger, non-smokers pay far less). - FROM BANK: This cost was quoted as £76/mth, so £22,800 over 25 yrs. - VIA COMPARISON SITE: The quote we got was £49/mth, so £14,700 over 25 yrs. - VIA DISCOUNT BROKER: Here the quote was £44/mth, so £13,225 over 25 yrs incl the £25 fee. Five level term life insurance need-to-knows 1. Confused or unsure what you're doing? Forget the cheapest, get independent advice from an advisory broker. 2. How much to cover? The rough rule is 10x the main breadwinner's income until kids finish full-time education. See full how much to cover info (& check you don't already have an employer's 'death-in-service' cover). 3. Is inheritance tax likely? If you've big assets, putting life insurance in trust means it's not liable for it. 4. Declare pre-existing conditions. Don't lie or hide anything, it could mean the policy isn't valid. 5. Already got a policy & quit smoking? Get a new quote. If you stopped at least a year ago costs could be halved. back to top ↑
New cheap heavy user iPhone 6 deal - unltd mins, texts & 4GB of 4G data. MSE Blagged. Pay £33.49/mth on a 24mth EE contract via Mobile Phones Direct, plus use code 'MSE1' on the silver*, gold* or grey* 16GB handsets and the £75 upfront's reduced to £40 - £844 for 2yrs all in. Unusually this is cheaper than buying the handset outright and pairing with a Sim-only. This is the top deal for heavy users - for full analysis and low user options, see iPhone 6 best-buys. 100-page £80 hardback photo book £19 deliv. MSE Blagged. Do it now in time for Mother's Day. Plus £45 canvas for £16 code, see all photo deals. And 1,000 £35 Mother's Day candle bundles with items that sell for £93 separately. 'Just been charged £183 for one call via 118 118'. Beware hideous charges, see Martin's £183 for 118 help. Last chance. Free £30 M&S food voucher via credit card freebie. Ends Sat. Get an M&S 19mth 0%* card (will you be accepted?) via this link, spend 1p or more on it by 31 March and you'll be emailed a £30 M&S food & wine voucher. You could just spend the penny, pay it off, then cancel, or it is a best buy 0% card anyway if you NEED interest-free borrowing - though do repay it before the 0% ends or it jumps to 18.9% rep APR (APR Examples). Applying can have a minor impact on your credit score. Full pros & cons in application help. Free £8ish Lancôme beauty sample. Choose from two 5ml serums at your nearest Lancôme counter. 500,000 avail
'I switched PREPAY energy and saved £140/year, plus got £15 cashback' Don't think if you're on a key/card gas & electricity meter you're locked in - many can still compare switch & save Sadly, those on prepayment meters usually pay more than those on billed meters, and have less choice. That doesn't mean there's nowt you can do - it's still worth taking five mins to do a comparison on the Cheap Energy Club. As Kate tweeted Martin: "Didn't think I could switch as on prepay meter but switched this AM saving £140 a year plus cashback." TOP PREPAY TARIFFS AT TYPICAL USAGE Full comparison to find YOUR actual price Fixed till Exit fees Cost/yr Cust service Expensive prepay - - £1,434 - Scot Power May 17 None £1,205 17% great 58% poor E.on (2) Variable None £1,205 53% great 14% poor New EDF March 17 None £1,227 55% great 12% poor Based on Ofgem typical usage, varies by region. Source: MoneySupermarket.com. (1) Plus 1,500 E.on points which can be exchanged for up to £60 Tesco rewards. Speedily compare your tariff. No spiel - switching prepay tariffs isn't as lucrative as for others, yet many can save. The Cheap Energy Club lets you compare & gives £30 dual fuel (£15 elec only) cashback if you switch. It monitors the tariff after in case rates rise, and emails if you need to switch again. There are prepay fixes. As your comparison will show, finally there's a bit more choice for those on prepay. Fixes let you lock in at a set rate, ensuring no price hikes (the two in the table last till spring, 17). Though of course use more & you pay more. And if things change, these two let you leave when you want without any early exit penalties. Can I switch if I owe my supplier? Yes, if it's under £500 per fuel (many are switched to prepay due to debts). Would I save switching to a billed meter? This is what most people have, where usage is measured, and you're billed after. While some prefer prepay for budgeting, pay a billed meter by direct debit on the cheapest tariff, and on the usage in the table you could pay nearer £900 a year, not £1,200. Not everyone's allowed to change though, and some suppliers charge for changing - to investigate read our Shift To A Billed Meter help. back to top ↑
New. Free MSE First-Time Buyers' Mortgage 2015 and Remortgage 2015 60-page booklets. We've updated our First-Time Buyers, Remortgage and Buy-to-Let guides for 2015. Related: Mortgage Best Buy Comparison. Poundshop.com 10% off £20 code - incl Calvin Klein make-up. MSE Blagged. Ends Tue. Items include Flash cleaning products, Calvin Klein make-up & Pedigree pet food. Plus free delivery (norm £2). Poundshop.com deals SALES & CODES: Aldi £5 off £40, Laura Ashley FLASH 37% off, Matalan 20% off £40 Voucher: Aldi £5 off £40 via paper. Flash Sale: Laura Ashley 30% off + extra 10% off Thu only, works on most things. Codes: Topman 15% | Miss Selfridge 15% | £27 Converse, £23 Vans via 20% off | Hotpoint extra 30% off Matalan 20% off £40 | H&M 10% off + free delivery | See ALL codes & vouchers Hot Diamonds 30% off sale code. Branded jewellery. MSE Blagged. Discounted women's diamond jewellery, eg, teardrop earrings £21 (were £60), bronze bracelet & charm £28 (was £75). Free p&p. Hot Diamonds Don't believe PPI rejections - 82% of Lloyds rejectees who go to the ombudsman win. Shameful figures from the ombudsman this week show banks again seem to be rejecting people knowing they'll win at the ombudsman, in the hope they won't take it further. Don't be fobbed off. Full Reclaim PPI for free info and see Bank-by-bank figures.
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Show Best Buys Click the titles for full info and all our top picks Balance Transfers Car Insurance Cheap Loans Top Cash ISAs Longest 0%: Barclaycard 36mths 0%, 2.99% fee (18.9% rep APR) No fee 0%: Santander* 15mths 0%, no fee (18.9% rep APR) Get quotes in this order... MoneySupermarket* Confused* Direct Line* Aviva* Admiral MultiCar* Clydesdale* (£5k - £7.5k) 4.7% rep APR Sainsbury's* (£7.5k - £15k) 3.6% rep APR Post Office 1.5% AER Min £100, incl bonus Online. Transfers allowed Coventry BS 2.25% AER Min £1. No transfers Loophole: Fixed till Nov 2018 See Card APR Examples & Loan APR Examples Free split ticket tool can save £££s. The cheapest Ldn-Newcastle standard fare is £154, but splitting tickets it can be £21. Tickety Split Ask Ed Davey (Sec of State for Energy) a question. He'll be at MSE Towers next Wed making an announcement. Suggest your questions to him via email, the forum or tweet using #AskEdDavey. Live stream here John Lewis 'sale matching' Debenhams up to 25% off ALL DEPARTMENTS. Till Sun, D'hams has up to 25% off (some depts 10%, eg, beauty) and John Lewis is matching an, ahem, "unnamed competitor's" sale. High St sales 5 amaryllis bulbs £13 del (next cheapest £31). Bright plants. Ends Mon. 2k avail. This is the way to amaryllis
30 ways to earn cash from your sofa Click at home and make money - just watch videos, write, Google, make your own YouTube clips & much more There are many work at home scams out there. Truth is, outside conventional work, there are few ways that really pay. Yet we do have 30 (legit) ways to earn cash online in our guide - though think a wee income boost, not a proper wage. - Get paid to Google. A browser add-on pays £5ish/mth to click ads when you search. - Give your views. Dedicated survey-fillers can make £800/yr with our Top 20 Survey Sites. - Write copy. Web content brokers pay £5-£30 per piece, eg, ads & travel descriptions. - Check shops' prices. Free app Field Agent pays up to £10/job to check prices/snap photos. - Pen product reviews. DooYoo pays up to 60p/review - rate anything from TVs to toasters. - £25ish/mth to watch vids & play games. Swagbucks pay for ads/market research, and you get a cut - plus sign up by Fri for £10 worth of M&S/Amazon vouchers once you accrue £5. - Make watchable video clips. Upload home-made YouTube clips and get a cut of ad revenues. Forumite Sophie Christie says: "I made £6,375 last year - and used my earnings to help buy a car." Read her full story. - Get paid to scan shopping receipts. Earn up to £10/mth in vouchers. It's invite only but - join a waiting list. ShopandScan back to top ↑
Don't pay unfair private parking tickets. We've been saying it for years, now the RAC Foundation thinks a court case may mean millions could reclaim past fines. Full help in Fight Private Parking Tickets & see Legality of parking fines to be tested in court MSE news story. Success of the week: (Send us yours on this or any topic) "After hearing Martin on TV every week (and basically ignoring him), this morning I kicked myself up the butt and I have saved £268/year moving from British Gas." Give yourself a kick up the butt too. Use Cheap Energy Club to compare and see if you can save on gas and electricity. £110 Plain Lazy women's T-shirts for £35 code. MSE Blagged. Lucky dip of 5 T-shirts (norm £22 each). 700 avail Orange/EE Wednesdays 2for1 extended at Vue Cinemas & PizzaExpress. Orange/EE custs can get 2for1 cinema tix every Wed till 25 Mar. At PizzaExpress EVERYONE can get 2for1 mains every Wed till 18 Mar. 2for1 Deals Show Best Buys Click the titles for full info and all our top picks Gas & Electricity Bank Accounts Home Insurance Landlines Compare, get £30 dual fuel cashback & alerts if your deal's no longer cheap. Go via the free MSE Cheap Energy Club Top Pick Fixes Comparison. The savings can be huge. Someone with typical dual fuel usage on a big 6 standard tariff pays £1,158 a year, the cheapest deal's £918. First Direct* £100 bonus and top cust service Santander 123* Up to 3% cashback on bills (£2 per month fee) Get quotes in this order... Confused.com* Compare The Market Direct Line* Aviva* Direct Save Telecom* with weekend calls £11/mth (pay a yr upfront) Post Office* with weekend calls £12/mth (pay a yr upfront) Do a Money Makeover Budget Planner MSE car sticker £13 Travel Insurance
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Restaurant vouchers PizzaExpress 25% off food bill Prezzo 25% off food bill Pitcher & Piano Free cocktail or pint Chimichanga 2for1 mains Harvester £10 meal deal	Discount vouchers Coast 25% code/vch in £4 mag Vision Direct 10% off Ocado 25% off £40+ code Burton £10 off £40 code Amazon 20% off clothes & shoes	Top deals Ripley's £42 family ticket Halfords Free winter car check Secret Escapes Free £25 credit Benefit 'Free' mascara in £4 mag Premier Inn £35 spring rooms
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THE GREAT HUNT Why did you give your kids or teens a prepaid card? We want to tap MoneySavers' collective knowledge on why you gave your offspring a prepaid card. What did you look for in a prepaid card for them? What rules did you set up in how they use them? How did you find the security facilities on the card? What features do you like or dislike? Share yours/read others': Why did you give your kids a prepaid card? Past topics: View all MONEY MORAL DILEMMA Should I ask to take the rest of the wine bottle home? This week's MoneySaver who wants advice asks... We often go out to dinner and order wine at the restaurant. Sometimes, especially if we've bought a second bottle, we don't finish it all. Enter the Money Moral Maze: Is it OK to take the rest of the wine bottle home? | Suggest an MMD | View Past MMDs BOOK GIVEAWAY Girl Online signed by Zoella. Five copies blagged for MoneySavers. Want to get your hands on one? CHEAP FLIGHT SALES ALERT Airline: Jet2* Offer: 10% off all flights Ends: Tue 3 Mar Our pick this week is Jet2's* 10% off all flights sale, which ends Tue 3 Mar. Each passenger gets 10% off the cost of any flight (includes taxes, but excludes some charges and extras) between 29 Mar 2015 and 30 Apr 2016. It flies from seven UK airports to more than 50 European destinations. There is no code to enter, the discount appears automatically. Excludes group bookings (10+ people). Extra charges warning: Avoid payment and check-in charges - see the Budget Airline Fee Fighting guide. Related: Cheap Flights, Cheap Hotels, Spending Abroad, Cheap Currency, Travel Insurance THE GREAT HUNT... REVEALED Cheap packing materials for moving home We asked for your top tips on moving home without spending a fortune on packing. You said boxes were easy to get by asking in hospitals, retail parks and McDonald's, while there was often spare bubble wrap in supermarket fruit and veg sections. You also had novel ideas, including stashing cutlery in Pringles tins and filling pillowcases with books. back to top ↑
Quick forum tips Top Deal: 'Free' No7 giftset. When you buy two No7 cosmetics. Lidl half price weekend. Cheap meat. Nectar double up. Double bubble. Debt-Free Wannabe chat of the week: Is being poor a matter of perspective? Competitions thread of the week: Luxury trip to Shanghai Old Style (Thrift) Board thread of the week: Moving house Old Style		Freebie of the week Coupon for Little Dish kids' meal
Martin's appearances (from Wed 25 Feb onward) Thur - Good Morning Britain ITV 7.40 Deals of the Week. Watch past shows Fri - This Morning ITV from 10:30 90 second savers. Watch last week's Mon - This Morning ITV Martins Money Monday from 10:30. Watch last week's Mon - Consumer Panel BBC Radio 5 12:15 - 1:00 Subscribe to podcast Once a week not enough? Follow all our tips on Twitter and Facebook.
MSE team corner Team blogs: New York on a shoestring, the Big Apple for £500ish Regular team appearances: 27 February BBC Radio Manchester, 4.50pm 3 March BBC Radio Cambridgeshire, 3.15pm	Discussion of the week How much is a pint in your local? Forumites typically pay from 99p to a fiver for a pint in their local areas. We'd love to find out how much a pint costs in your neck of the woods. Can you get one with your spare change or do you find yourself having to resort to large notes to cover the cost? Tell us how much a pint is in your local.	Cheap travel money UK's Best Currency Rates £100 will buy you: Best Worst € 135.01 121.50 $ 152.91 137.61 TL 371.05 321.86 Rates correct at 3pm Tue Find all top currency rates Compare travel cash
This week's poll: Which services do you pay cash in hand for? Au pair/nanny Babysitter Builder/electrician/plumber Cleaner Dog walker Gardener Home visit beautician Handyman Home help Takeaway food Taxi driver Window cleaner I don't use any of these		Poll results How do you rate your bank account's service? You've once again chosen First Direct as top dog for service. - 92% of First Direct customers voted its service "great" - 79% of Santander 123 customers voted it "great" - 18% of Barclays Bank customers voted it "poor" 11,935 voted. See the full results.
Question of the week Q. I fixed my mortgage at 2.79% for five years a couple of years ago thinking rates would have risen in that time. I could have fixed for two years at less than 2%. But rates haven't risen. In fact, they're much lower. Did I make a mistake? Philip, via email MSE Helen's A: When you decided to fix your rate, you made the best decision you could with the information available to you at the time. You, and indeed many economists, expected interest rates to rise in that time. It may have been cheaper for you to fix at a lower rate for a shorter period, and then perhaps take out another fix now as rates are lower. But this doesn't mean that you made the wrong decision. You wanted to ensure you wouldn't pay any more in interest if rates did rise, and you got that certainty with the deal you went for, even though the outcome wasn't what you wanted. Martin's penned his thoughts on this very issue, telling you why you shouldn't look back in anger... And remember, even if you had chosen differently, there's no surety you'd have qualified for a rock-bottom rate now - particularly if your credit score or circumstances have changed, as banks have significantly tightened their lending criteria since you took out your original deal. Please suggest a question of the week (we can't reply to individual emails).
Nick's free game of the week: Ball Brothers
What is astronomer an anagram of? That's it for this week, but before we go check out this super collection of anagrams from forumite Gunte. If you're stumped, highlight the space to the right of each word and you'll see the answer. We hope you save some money, Martin & the MSE team
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