Saturday, 28 March 2015
Wednesday, 25 March 2015
Help2Buy ISA, Vax 80% off, 10 Amazon tricks, 36mth 0%, free M&S £125, free Coke, £2,500 mortgage life ins saving, energy fix warning, £41 chocs £22
|Cutting your costs, fighting your corner||Martin's Money Tips Wed 25 Mar 2015|
MARTIN'S QUICK BRIEFING: For more tips, alerts & awful puns, follow Martin on Twitter
At MSE Towers, we don't waste the party poppers on the end of December, we save them for the start of April. Massive changes are afoot both for the new tax year and as many parts of the public sector change their prices then too. Yet if you ACT NOW you can often beat the changes - here are the need to knows...
Blagged for MoneySavers
Did you miss?
Get constantly cheap energyOur club ensures you're always on the cheapest tariff.
Join free: Cheap Energy Club
Reclaim PPI for FREEClaims handlers aren't more successful.
Free help & templates: Reclaim PPI
|The Ones Not To Miss||Wed 25 Mar 2015|
| 36mth 0% debt shift - but shorter may be cheaper |
With balance transfer cards, like many areas in life, it's not all about length. Cut debt costs by £100s or £1,000s
A balance transfer means you get a new credit card that pays off old credit or store card(s) for you, so you now owe it but at a lower rate. As more of your repayment clears the actual debt, rather than pays interest, you get debt-free quicker. Watch for fees: eg, 3% is a one-off £30 per £1,000 added to your debt. Here's a table, then info on how to pick...
Vax up to 80% off clearance sale code. MSE Blagged. You need a code to access the sale. We've got one valid Wed - elsewhere it's Thu, so you've first dibs. Eg, Air3 compact vacuum £50 from £250, pressure washer £40 from £100. Vax
Ending: Free M&S £125 gift card if you switch bank & no min monthly pay-in required. Switch to M&S Current Account* via this specific link by Tue 31 Mar and get a £125 M&S gift card (£100 after), a £100 0% overdraft and linked 6% regular savings. Unusually no min monthly pay-in's needed, so it's strong if you've erratic income. Other top deals incl First Direct £100 & top service or Halifax £125 plus £5 each month. Full options/help in Top Bank Accounts.
Warning: Is your energy fix ending (EDF, BG, Scot Power etc)? You could pay £100+/yr more. 14 fixed tariffs end on 31 Mar. Do nowt and you're usually shifted to a costly tariff, typically up to £130/yr more, so check yours. Which tariffs? The March 2015 versions of EDF Blue+ Price Promise, British Gas's Price Protection, Co-op Fixed Price & more - see full list. What should I do? Compare NOW via Cheap Energy Club and on most tariffs you'll find something cheaper than you're already on - don't worry YOU CAN'T BE CHARGED EXIT PENALTIES within 49 days of the tariff's end.
£41 Thorntons Easter egg bundle £22 delivered via code. MSE Blagged. Incl 4 Easter eggs (norm £4-£7 indiv), 2 choc bunnies (£4-£7 indiv), box of Thorntons Premium Collection chocolates (£6) & more. Ends Sun. Thorntons
| Slash mortgage life insurance costs - 'I saved £2,520 switching' |
Many with mortgages are shelling out unnecessarily big bucks for life insurance. Here's how to cut it
Mortgage life cover pays a lump sum to clear the remaining debt if you die within the term, leaving your dependants mortgage-free. It should be relatively cheap, but many pay vastly over the odds getting it from lenders, mortgage brokers or even comparison sites. Our fully rewritten Cheap Mortgage Life Insurance guide shows you how to cut costs. In brief...
Poundland £2 off £12, Aldi £5 off £40, Office 25% off, Body Shop 40%...
22 fruit trees & plants £45 (incl apple & strawberry). Cheapest equiv we've found elsewhere's £85. 2,000 avail
Tell friends about us. They can get this free every week.
£45 Amazon voucher on L&G pet insurance. MSE Blagged. Until Tue 31 Mar get a new L&G dog/cat* policy via this link using the code PETMSE and you'll be sent a £45 Amazon vch within 75 days. Warning: Always check against comparison sites: We're not saying it's the cheapest, just that there's a deal - check against Gocomp* & Compare TM and add in Direct Line* as it currently gives 12mths for the price of nine. FULL info, pros & cons (esp if switching) in Cheap Pet Insurance.Show Best Buys
Last week's Budget had big savings changes - watch Martin's instant reaction. We've been digging up the details...
| 10 Amazon buying tricks & tools to save you large |
Use Amazon EU, hidden bargain basement pages, get £79 Prime back, check price history - nothing too taxing...
Last week's Budget included a corporate tax avoidance crackdown dubbed the 'Google' tax, but don't forget Amazon too. So we thought we'd join the party with 19 Amazon buying tricks to hone down its margins further. Here's ten for starters...
CAA threatens to take Jet2, Wizz Air & Aer Lingus to court over flight delay claims. The court cases are settled. Airlines should pay up if you are delayed over 3hrs and it's their fault. Some aren't, so now the regulator's taking action. See our Flight Delay Compensation guide.
National Citizen Service £50 Easter break activity week (16/17yr olds). Free for some. Govt-backed Eng scheme includes 3nts away - gets 'em rock climbing, kayaking & learning life skills + a certificate. National Citizen Service
Success of the week - bank charges reclaiming: (Send us yours on this or any topic)
Tesco.com food shop 1,250 points on £60 newbies code. MSE Blagged. New customers use XXFHML & spend £60 at Tesco Grocery* by Sun to get extra points worth £12.50 in store (up to £50 on Tesco boost). Full info: Tesco code.
Show Best Buys
|Show Vouchers and Top Deals|
|The Moneysaving community|
|Show Money Saving Community|
MONEY MORAL DILEMMA
CHEAP FLIGHT SALES ALERT
THE GREAT HUNT... REVEALED
Quick forum tips
Freebie of the week
Martin's appearances (from Wed 25 Mar onward)
Wed 25 Mar - The Ideal Home Show, Olympia, London, 3pm
MSE team cornerTeam blogs:
£28k Ideal Home Show savings and probably much more
Easter egg taste test
Regular team appearances:
Fri 27 Mar
Discussion of the week
Getting married can be a big adjustment, especially when it comes to money. One forumite asks when it will start to be less 'mine and yours' and more 'ours' in the Her money vs my money discussion. Join in and share your thoughts.
Cheap travel money
This week's poll: How much are you worth (or do you owe) - not counting your home?
We’re asking the same question as last week, but this time we want you to exclude your home and mortgage (primary residence only - if you have a second property or buy-to-let include that).
To answer this question, you first need to do a little sum:
1. Add up: the total value of your assets such as your savings & pension (excluding your home).
Then whether you've "net worth" or "net debt", pick your relevant option:
How much are you worth (or do you owe)?
Nearly 88% of homeowners have a net worth while just 63% of non-homeowners are in the same position. Of homeowners, 72% have a net worth of more than £100,000. Here's some more of the final stats:
- 5% of you are net worth 'millionaires'
23,189 voted. See the full results.
Question of the week
Q: My local restaurant always automatically charges a 10% service charge. Is this legal? Sometimes I don't wish to pay if the service hasn't been good. Melanie, via email.
MSE Nick’s A: In short, yes, it's legal. If a restaurant wishes to apply a service charge then it has the right to do so. Saying that, it doesn't necessarily mean you have to pay it.
If the service charge wasn't mentioned upfront or it included the word 'discretionary', you can deduct it from the bill if you wish for whatever reason you choose.
If a 'compulsory' service charge is mentioned upfront and clearly stated on any price list or menu, you'll be expected to pay this with the bill. However you can refuse to pay it if you believe the service wasn't carried out with 'reasonable care and skill' and 'within a reasonable time', as is required under the Supply of Goods and Services Act 1982. There's no concrete definition of reasonable - if you feel the service was particularly poor, it may constitute a breach of this obligation. See Restaurant Rights for more info.
Please suggest a question of the week (we can't reply to individual emails).
|Nick's free game of the week: Anbot|
FAIL - Barclays misspells its own name.
That's it for this week, but before we go, no joke, no gag, quite simply Barclays misspelt its own name - take a look at this Braclays mailout. We'd love you to post if you've seen any other similar corporate fails.
We hope you save some money,
Martin & the MSE team
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