|Cutting your costs, fighting your corner||Martin's Money Tips Wed 8 Apr 2015|
MARTIN'S QUICK BRIEFING: For more tips, alerts & awful puns, follow Martin on Twitter
MSE Towers is strewn with party popper debris, (own-brand) Cava corks and bunting after our New (Tax) Year do on Sunday night. Well, OK, it was just MSE Helen who ensured the new ISA guide was uploaded & working at 12.01am. But for savers there is at least a little more to celebrate.
PS, I've a few days off this week. So having done some writing for this email, I've handed most of it over to the capable hands of the MSE team. Martin.
| New. 16mth 0% NO FEE debt shift - the longest 0% no fee card this decade |
Slash £100s or £1,000s off the cost of existing credit & store card debts as the balance transfer price war rages
A balance transfer's when you get a new card that repays debts on an old card(s) for you, so you owe it, but at far lower interest. A price war means we've already got the longest-ever 0% card and this week the longest NO-FEE 0% card we've seen for at least 5 years has launched. It'd save someone owing £3,000 on a typical card £435 over the 16mths.
Sky TV packages instant 40% off & £100+ bill credit for newbies. MSE Blagged. Sky newbies (ie, if you haven't had it for 12mths) who go via this specific Sky link* get 40% off a year's contract on all its TV packages (excl HD upgrade fee) plus a £100 bill credit (£125 on Family/Complete packages). A one-off £10 set-up fee applies. First year costs are £13/mth to £48/mth depending on the package. You can get half-price broadband if you get its landline. Sky 40% off
Child Trust Funds can now be converted to 3.25% Junior ISAs. Finally those trapped in old accounts can escape. But while cash CTFs should be switched, some investment CTFs shouldn't. Full pros & cons: Top Child Trust Funds
£25 of make-up for £15, eg Touche Éclat, Benefit, Urban Decay. Via daily deals voucher. Feelunique.com
Easyjet flight refund trick. Get difference back if price drops - check NOW. If an Easyjet flight you've booked later falls in price (excl sales), you can grab a vch. MSE Guy got a £16 vch for a Sept flight. Easyjet trick
| Extreme couponing 20 tips: 'I got £67 of shopping for 11p' |
We reveal secret tricks top coupon stashers use - can you save £100s with coupon-cutting or clicking techniques?
Extreme couponers source, gain & hoard 100s of product and store coupons, then combine them for huge code-stacking discounts. If it sounds gobbledygook our new 20 Extreme Couponing Tips guide tells all - we've clipped the key info...
Daphne 'Perfume Princess' shrub £10 del code. MSE Blagged. Norm £25, next cheapest £20. Ends Fri. 5,000 avail
Achoo... 90 hayfever tablets, £4 deliv. It's spring, and we've found 3 months of legit generic equivalents to Zirtec and Clarityn for £4 - nothing to sneeze at. Branded versions from Boots are up to £25. Cheap, legit hayfever tablets
CODES: Ralph Lauren 20% off, Nike sale extra 10% off, La Redoute BOGOF, Space NK £10 off £40...
Ciaté 10 nail polishes £25 deliv (norm up to £9 each). MSE Blagged. Online code, 10,000 available. Ciaté
Tell friends about us. They can get this free every week.
Cheap outdoor toys - eg, £80 trampoline (was £160), £50 kids' bike (was £100)
£18 Clarks school shoes, £28 men's Nike trainers, £29 women's Skechers code. MSE Blagged. Code gets one-day early access today (Wed) to Brantano's 40% off everything online sale, which ends Sun. Del £2.50. BrantanoShow Best Buys
5 Cadbury Creme Eggs £1, £4 Thorntons Easter eggs £1.60, 6 hot cross buns 50p. Can you find 'em? Stores have slashed prices to flog un-sold Easter stock. See our Easter clear-out blog for what we've found.
'I haggled £850/yr off my small business energy deal.' You can save too. Business energy tariffs are bespoke so there's huge potential to haggle. First benchmark prices online - we like Energylinx for this. Then hit the phones and barter with big brokers such as Make It Cheaper* (we've blagged £30 cashback) and Business Juice* (£30 cashback or a £50 J Lewis vch if you go via our blagged link). One small office business we spoke to cut its renewal price from £3,500/yr to £2,650/yr in a few mins. For full help, see our new 60-second guide to Cheap Small Business Energy.
| Hot home insurance deals comparisons miss - incl £80 Amazon/M&S vch |
Comparison sites give a good broad brush but they miss many one-off promos that may scythe down your costs
Whether you've a studio flat or a mansion, there's no single cheapest insurer. So comparison sites are good, but they don't catch every offer - we aim to net the deals they miss. Full help in Cheap Home Insurance, here are the foundations...
All aboard. Cheap train deals...
Show Best Buys
Discount vouchers & sales
MONEY MORAL DILEMMA
CHEAP FLIGHT SALES ALERT
Quick forum tips
Freebie of the week
Martin's appearances (from Wed 8 Apr onward)
Mon 13 Apr - This Morning, ITV, Money Monday, 10.30am.
MSE team cornerTeam blogs:
What happens in Vegas, doesn't always stay in Vegas
Regular team appearances:
Fri 10 Apr
Discussion of the week
Should my child be reading a book about pregnancy, violence and relationships at 11? Join the discussion and let us know what you think in the Inappropriate reading for an 11-year old thread.
Cheap travel money
This week's poll: How old were you when you bought your first home or have you never bought one?
The Government has announced a new Help to Buy ISA where it'll add 25% onto the deposit savings for first-time buyers. So with this in mind, we wanted to see if the age people buy their first home has changed over the years.
How old were you when you bought your first home?
The MSE Leaders' Debate - pick the key subjects for PM candidates
- Pensions - chosen by 43%
8,046 voted. Soon we'll publish the party leaders' responses. In the meantime, see the full results.
Question of the week
Q: I've been given a gift of foreign currency hard cash - what's the most cost-effective way to transfer this back into sterling? Sarah, via email.
MSE Helen S's A: Don't automatically take it to your bank as rates are likely to be awful. Instead, it's best to look at buy-back rates at bureaux de change. For this, use our Buyback TravelMoneyMax to see where you'll get the best deal. For example, the best rate we found yesterday converting euros to pounds was 73p to a euro, but some bureaux would only pay 67p, showing it's vital to compare.
The other option is to hold on to it if it's a well-used currency such as euros or dollars that you might use on holiday in the future. Of course, you're taking a gamble either way by keeping it or exchanging it, as currency values can change.
Please suggest a question of the week (we can't reply to individual emails).
|Nick's free game of the week: Face Chase|
Do you have a nickname for your car?
That's it for this week, but before we go, apparently more than a third of us have a name for our motor with Bessie, Monty and Sybil in the top 10, according to Sainsbury's research. Do you have a nickname for yours? Let us know in the forum.
We hope you save some money,
Martin & the MSE team
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