|Cutting your costs, fighting your corner||Martin's Money Tips Wed 4 Mar 2015|
MARTIN'S QUICK BRIEFING: For more tips, alerts & awful puns, follow Martin on Twitter
A company's job is to make money, nowt wrong with that - our job is to keep it in our pockets. One technique getting more common is 'price differentiation', ie, aiming to charge each customer as much as they'll pay - often done using what's called 'white labels', where the same thing is sold under different names.
PS. Energy secretary Ed Davey made a policy announcement today at MSE Towers. See what he said.
| £92 for YEAR'S b'band & line rent (after £100 cashback) - equiv £7.66/mth |
Many can save over £200 a year. Broadband and line rent from BT-owned Plusnet for a fraction of the usual cost
BT standard line rental alone is £16.99/mth - add its standard broadband at £13/mth and you're paying more than £350 a year, other big firms are in the same ball-park. The real way to slash costs is grabbing short-lived promos...
FREE UK parcel delivery or cheap world delivery with £10 off code (great for Mother's Day). Parcel2Go has a £10 off (no min spend) newbies code for delivery via Parcelforce, UPS, TNT, FedEx & more. As most smaller UK parcels are under £10, they'll be free. Book by 27 Mar. Parcel2Go
Forum Hottie: 'Free' £11 Nails Inc varnish in £4 mag. Four different full-size colours available. Nails Inc
15mth 0% NO FEE credit card debt shift. Three top 0% cards now let accepted newbies shift debt to them without a fee: Santander* (eligibility calc) for 15mths, Halifax* (eligibility calc) for 13mths & Tesco* for 12mths. Clear before the 0% ends (and never miss min repayments) or they jump to 18.9%, 18.9% and 20.6% rep APR. Full help and longer 0% with fees in Top Balance Transfers (APR Examples).
Suppose I offer you a bet on a coin toss, if you win you get £100, if I win you give me £1... would you take the bet? Read Martin's secret to avoiding bad financial decisions blog.
| Warning: ISA 1-month deadline - earn 2.25% tax free |
If you don't use it, you lose it. You are allowed to save £15,000 tax-free, but the big question is, should you?
Don't be scared by cash ISAs, they're just savings accounts where your interest isn't taxed. You can put in £15,000 in the current tax year before it ends on 5 April, and once in an ISA, the money stays tax-free YEAR AFTER YEAR. If you've savings and not used your ISA this tax year (ie, since 6 Apr 14) consider it ASAP. Full help in Top Cash ISAs, here's the key info...
MOTHER'S DAY DEALS (it's on Sun 15 March)
Free £125 or 5% interest or travel insurance. Last week 1,000s switched bank after we told you of the huge boons. If you missed it, Halifax Reward* pays £125 to switch, then £5 each month you're in credit. No. 1 rated for service First Direct* pays £100 to switch, gives a £250 0% overdraft and has a linked 6% savings. Nationwide* has free European travel insurance up to age 74. TSB* pays 5% AER interest on up to £2k. FULL info in Martin's 10 bank switching must-knows.
P&O £24 Dover-Calais car day return & get 6 bottles of wine. Travel until 25 Mar. (Be Drinkaware.) P&O deals.
EDF Blue+ Mar 2015 customer? Compare & switch now. This was a huge tariff, many are on it, your fix ends this month. Do nothing and you'll be put on the standard tariff which is on average £265/yr more than the cheapest deals at the moment. There are no early exit penalties so compare tariffs + get £30 cashback ASAP.
Tell friends about us. They can get this free every week.
| Show Best Buys |
| "I got £900 compensation for my delayed flight" |
Flight delay compensation NEWS. Another attempt by some airlines to avoid paying out fails in court
If your flight was delayed 3hrs+ or cancelled since 2009, under EU reg 261/2004 you may be entitled to up to £440 per person. Many airlines play fair and pay out, a few don't, but again last week a court thwarted their avoidance tactics. Our Free Flight Delay Compensation guide has full help & template letters. Here's a quick briefing...
CODES/VOUCHERS: Habitat 25% off, Kurt Geiger 20% off, Brantano 20% off etc...
2,000 FREE pairs of Homebuilding & Renovating Show tix. Norm £26 a pair. 26-29 Mar at NEC Birmingham
It's the biggest consumer decision you get to make - are you registered to vote? The election's 2 months away and you need to register by 20 April. Check now, it can also boost your credit-worthiness. Voter registration help
We're hiring - 3 jobs available at MSE. We want analysts to join our money and broadband/phone teams plus a researcher to find and write about deals. All three based in London. See all MSE Job Opportunities.
Show Best Buys
THE GREAT HUNT
CAMPAIGN OF THE WEEK
MONEY MORAL DILEMMA
CHEAP FLIGHT SALES ALERT
Quick forum tips
Freebie of the week
MSE team corner
Regular team appearances:
Fri 6 Mar
Discussion of the week
How to be diplomatic
Cheap travel money
This week's poll: Are you the senior financial partner in your relationship?
Is looking after your household's finances a shared job, or is one of a couple the senior financial partner - taking charge of decisions about insurance, energy bills, investments, debts and more?
Choose one option closest to your circumstances:
Which of these services do you pay cash in hand for?
- 96% would for a taxi driver
8,728 voted. See the full results.
Question of the week
As my wife does not use all her tax allowance, can I offset some of my tax using her allowance? Steve, via email
MSE's Sam's A: Unless you're over 80 and qualify for the Married Couple's Allowance, the answer currently is no, but that changes for the new tax year, starting 6 April 2015.
I think an example will help. Next year the basic personal allowance for most is £10,600, so if she didn't work at all you could move 10% of that, which is £1,060, and you'd save 20% tax on it - so a gain of £212. Or let's say she earns £6,000 - her unused allowance is now £5,600 and you can have 10% of that so £560, which means your tax gain is £112.
|Nick's free game of the week: 3D Field Goal|
Compare cities - where in the world is cheaper to live?
That's it for this week, but before we go, how do living costs in your city compare with those in other places around the world? Some results may surprise you - check out this compare city stats widget.
We hope you save some money,
Martin & the MSE team
Important. Please read how MoneySavingExpert.com works
We think it's important you understand the strengths and limitations of this email and the site. We're a journalistic website, and aim to provide the best MoneySaving guides, tips, tools and techniques - but can't promise to be perfect, so do note you use the information at your own risk and we can't accept liability if things go wrong.
More about MoneySavingExpert and Martin Lewis
What is MoneySavingExpert.com?
Who is Martin Lewis?
Martin set up and runs MSE, and still writes this email each week (unless it says so). He's an ultra-focused money-saving journalist and consumer campaigner with his own ITV prime-time show The Martin Lewis Money Show and weekly slots on Radio 5 Live, This Morning and Good Morning Britain, among others. He’s a columnist for publications including the Telegraph and Woman magazine. More info: See Martin Lewis' biography
What do the links with a * mean?
Any links with a * by them are affiliated, which means get a product via this link and a contribution may be made to MoneySavingExpert.com, which helps it stay free to use. You shouldn't notice any difference; the links don't impact the product at all and the editorial line (the things we write) isn't changed due to it. If it isn't possible to get an affiliate link for the best product, it's still included in the same way. More info: See how this site is financed.
As we believe transparency is important, we're including the following 'un-affiliated' web-addresses for content too:
giffgaff.com, asda.com, talkmobile.co.uk, cbonline.co.uk, halifax.co.uk, santander-products.co.uk, tescobank.com, plus.net, broadbandchoices.co.uk, uswitch.com, nationwide.co.uk, tsb.co.uk, firstdirect.com, moneysupermarket.com, directline.com, aviva.co.uk, admiral.com, sainsburysbank.co.uk, firstdirect.com, gocompare.com, postoffice.co.uk, directsavetelecom.co.uk.
Referring people to insurers or insurance intermediaries can in some circumstances constitute an FCA regulated activity. For this reason, pages with links which take you to the sites of insurers or insurance intermediaries are hosted by MoneySavingExpert.com Limited on behalf of MoneySupermarket.com Group PLC. MoneySupermarket.com Financial Group Limited is authorised and regulated by the Financial Conduct Authority (FRN: 303190). The registered office address of both MoneySupermarket.com Group PLC and MoneySupermarket.com Financial Group Limited is MoneySupermarket House, St. David’s Park, Ewloe, Chester, CH5 3UZ.
To change your E-mail or stop receiving the weekly tips (unsubscribe): Go to: www.moneysavingexpert.com/tips