£49 -- 12 Bottles of Wine plus Bubbly, 66% Off (exc P&P)

17 APRIL 2015 LOCAL DEAL for LONDON     £49 -- 12 Bottles of Wine plus Bubbly, 66% Off (exc P&P) By Faye Armstrong  |  Source: Virgin Wines Why we love this deal Stock up for BBQ season with a case of 12 top-notch wines plus a bottle of bubbly, delivered straight to your door for £49 (plus £7.99 P&P) Even with postage and packaging, that's less than £4.50 a bottle In addition to the prosecco, you can choose to have 12 red wines, 12 white wines, or a mixed case -- the bottles are regularly priced between £7.99 and £17.99 View Deal »     You Might Also Like...   £39 -- 6 Bottles of Bubbly, 39% Off (exc P&P) By Faye Armstrong  |  Source: Virgin Wines View »   £119pp -- 'Lion King' West End Ticket & Grosvenor Hotel Stay By Adam Reeves-Brown  |  Source: Omega Holidays View »   £8 & up -- Glossy Personalised Photobooks (exc P&P) By Faye Armstrong  |  Source: u​.PhotoBooks View »   Publisher: Victoria Sandison Associate Publisher: Hayley Ditchburn     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 Unsubscribe | Update Email | Manage Subscriptions | Terms & Conditions We use cookies to optimise your user experience on Travelzoo. By going to 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

Tunisia, Wales, Croatia, Yorkshire, Corfu & 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 -- 15 April 2015 ************************************************************ £299pp -- Tunisia: 5-Star Djerba Week fr Manchester, w/Meals http://www.travelzoo.com/uk/top20/100156765-2002343/ Source: Exclusive Luxury Breaks £99 -- Suffolk Escape w/Dinner & Cream Tea, Was £186 http://www.travelzoo.com/uk/top20/100156765-2001327/ Source: The Mill Sudbury £169pp -- Ibiza: All-Inclusive Getaway inc Flights, 53% Off http://www.travelzoo.com/uk/top20/100156765-2001590/ Source: Broadway Travel £499pp -- Turkey Gulet Cruise w/Meals; Fly from Manchester http://www.travelzoo.com/uk/top20/100156765-2002303/ Source: Anatolian Sky £169 -- London Townhouse: Junior Suite Stay w/Breakfast http://www.travelzoo.com/uk/top20/100156765-2000428/ Source: The Academy £599pp -- 'Top 5' Croatian Island: Luxury Holiday w/Meals http://www.travelzoo.com/uk/top20/100156765-2001362/ Source: Luxury Holiday Collection £55 -- This Week: 'Dirty Dancing' Top Seat & Bubbly http://www.travelzoo.com/uk/top20/100156765-2001442/ Source: Liverpool Empire £159 -- Wales Countryside Mini Break inc Meals, Was £340 http://www.travelzoo.com/uk/top20/100156765-2000468/ Source: Gwesty'r Emlyn Hotel £449pp -- Sharm: All-Inc Hilton Escape; Fly from Manchester http://www.travelzoo.com/uk/top20/100156765-2002349/ Source: SharmDirect £513 & up -- Asia, Australia & New Zealand Flight Sale (Rtn) http://www.travelzoo.com/uk/top20/100156765-2000649/ Source: Malaysia Airlines £339pp -- Corfu: All-Inclusive 5-Star Getaway, fr Manchester http://www.travelzoo.com/uk/top20/100156765-2002305/ Source: Travel Interaction £99 -- North York Moors Stay inc Dinner & Bubbly, Was £160+ http://www.travelzoo.com/uk/top20/100156765-2000432/ Source: The Inn at Hawnby £1339pp -- 5-Star Mauritius & Dubai Escape, from Manchester http://www.travelzoo.com/uk/top20/100156765-2002339/ Source: The Holiday Place £79 -- Devon Coaching Inn Stay w/Breakfast, Save over 40% http://www.travelzoo.com/uk/top20/100156765-2000454/ Source: The Fox & Hounds Country Hotel £199 & up -- Fly Last-Min to Cape Verde fr Manchester (Rtn) http://www.travelzoo.com/uk/top20/100156765-2001334/ Source: Fly.com £189pp -- Marrakesh Escape w/Meals & Tour; Fly fr Manchester http://www.travelzoo.com/uk/top20/100156765-2002348/ Source: Fleetway Travel £39 -- Preston: Italian Cookery Demo w/Wine Tasting & Lunch http://www.travelzoo.com/uk/top20/100156765-2001435/ Source: The Olive Press £259pp -- North Cyprus Week w/Meals & Flights fr Manchester http://www.travelzoo.com/uk/top20/100156765-2002352/ Source: Cyprus Paradise £43 -- Brussels Stay w/Breakfast, Save up to 57% http://www.travelzoo.com/uk/top20/100156765-2001396/ Source: Pantone Hotel £1299pp -- China & Hong Kong 10-Nt Holiday w/Flights & Tours http://www.travelzoo.com/uk/top20/100156765-1998687/ Source: RT Holidays Publisher: Maire Bonheim Associate Publisher: Christina Bracewell 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=UW3jpgd. 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 £20 mobile charger, 20mths 0% loan, benefits check-up, ISA v Santander 123, £50 off wine code, free Game of Thrones, Cap One cut cashback, cheap pet ins

Martin's Money Tips Email. On mobile? See online mobile version. View mobile friendly version

	MoneySavingExpert.com weekly email
	Cutting your costs, fighting your corner	Martin's Money Tips Wed 15 Apr 2015
Cards Reclaim Shopping Deals Utilities Banking Travel Insurance Mortgages Income

This week Earn under £46k? Do a free 10-min benefits & tax credit check-up Cap One slashing cashback - get 5% Cheap pet ins, incl £50 Amazon vch Free EE £20 mobile charger FIGHT: Cash ISAs v Santander 123 Free £100 daily cash prize draw Naked Wines £50 off £80 code £10 food from 10,000 takeaways £5 Free pack of 2,000 wild flower seeds Reclaim PPI for free - as bank fined P&O £24 Dov-Calais & 6 btls wine Free £14 Grand Designs Live tix Easter catch-up: New ISAs, pension freedom, Sky 40% off and more Watch all Game of Thrones free Free gym passes, incl 7-day BMF Student loan rates CUT to 0.9% Easyjet 'get the difference back' trick £110 Plain Lazy T-shirts £35 Free 500ml Coke, 2mth Tastecard Codes: LK Bennett 25%, H&M 20% Free pair £18 The Other Art Fair tix 10 Nectar pts/litre Sainsbury's fuel Last chance: Register to vote 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 Cheapest-ever new borrowing, 0% for 20mths Done right you can now borrow for free - if you choose the right tool Yesterday we learnt inflation's hit 0% for the second month running - so little surprise, borrowing costs are hitting all-time lows. The whole point of the Bank of England's super-low interest rate policy is to discourage saving and encourage borrowing, in order to make people spend more, which boosts demand and the economy. Yet what's important is you do what's right for you. Debt is like fire - it's a very useful tool, but get it wrong and you get burnt. Here are the 8 need-to-knows... 1. Is it worth borrowing? Unless you're a super financially savvy stoozer, only borrow if you really need to - it's far better to wait and save up for something instead. Most new borrowing falls into two categories... - Just funding your ongoing lifestyle. This is the worst type as it means you're consistently living beyond your means and risk a debt spiral. Avoid it. Use the Free Budget Planner, stop spending and cut your cloth accordingly. - For a needed, planned purchase. Eg, a car for a new job, or to pay annual car insurance as it's cheaper than monthly. Here you need to minimise the amount borrowed, repay quickly to keep interest costs down and ensure your repayments are comfortably affordable. If not, don't do it.     2. Test your credit-worthiness for free - will you get the best buys? It all depends on your credit history - sadly, usually the only way to find out is to apply. Yet that leaves a footprint on your credit file, and the catch-22 is too many of those, especially in a short space of time, hurt future applications. To fight back, we've built the free credit card eligibility calculator and loans eligibility calculator. These use a soft search (so you see it on your file, but lenders don't, so there's no impact) to show your percentage chance of acceptance for each top deal - thus showing how credit-worthy you are. If the result doesn't look great, read 35 tips to boost your credit score.     3. BEST BUYS. 20mths 0% new borrowing credit card. With no interest and no fee, this is without doubt the cheapest way to borrow, provided a) you can pay for the purchase(s) on plastic; b) you can clear the debt within the 20 months; and c) you follow the golden rules below. TOP PICK 0% SPENDING NEW CARDHOLDER CREDIT CARD DEALS Use the 0% spending eligibility calc to see your acceptance odds for each card Card 0% lasts Perks on spending Rep APR after Clydesdale*/Yorkshire* 20mths None 18.9% Halifax* 20mths (1) None 18.9% M&S Bank* 19mths 1 pt per £1 in store, £2 elsewhere 18.9% Sainsbury's Bank* 19mths 2 Nectar pts per £1 in Sainsbury's 18.9% Santander 123* 23mths 0% yet £24/yr fee (2) 3% cashback on fuel/rail (max £9/mth), 2% department stores, 1% supermarkets 16.5% (1) You could be offered fewer months at 0%. (2) Refunded in year 1 for Santander 123 bank customers. Full help & options in Top 0% Cards (APR Examples). The 0% Spending Card Golden Rules: 1) Ensure you repay (or shift the debt) before the 0% ends or rates jump. 2) Pay at least the monthly min, or you'll lose special rates. 3) Don't withdraw cash - it's not at 0% and can harm your credit score     4. BEST BUYS. Cheapest-EVER loans 3.6% APR. If you can't pay on a card, need to borrow more or for longer, or want the discipline of fixed monthly repayments, personal loans win. Here are the current best buys for each amount (the Loans Eligibility Calc shows which you've best odds of getting). - £2,500-£2,999: Hitachi* is 8% rep APR. Or for this level and lower (and sometimes higher), try Zopa* and Ratesetter* - their rates are more bespoke, and they can be cheaper. - £3,000-£4,999: Hitachi* is 7.8% rep APR - far cheaper than any other. - £5,000-£7,499: Cahoot* is 4.6% rep APR, Hitachi* 4.8% rep APR. - £7,500-£15,000: Sainsbury's is 3.6% rep APR for 1-3yrs* with a Nectar card (avail free) or 3.7% rep APR for 4-5yrs*. Next is M&S Bank's* 3.8% rep APR. There are two key need-to-knows though... 1) A 3.6% loan can charge you 20%. All loans are 'representative' rate, meaning only 51% of those accepted need get that rate. Our loans eligibility calc can't tell you your rate - but the higher your acceptance odds are roughly, the more likely you are to be given the advertised rate. 2) Borrow more, pay less? As rates decrease the more you borrow, at the borders you can play the system. Eg, borrow £2,499 and the cheapest's 14.9%, borrow £1 more and it's 8%. As our loan cost calculator shows, on a 5yr loan you'd then repay £540 less. Keep the extra cash for repayments.     5. BEST BUYS - 24mths 0% credit card loans. For smaller amounts, if you need cash or are buying something you can't pay for on a card then the winner - for a fee - is a specialist 0% money transfer credit card. Here, if you're an accepted new customer, you can get money paid directly into your bank, so you owe the card firm instead. MBNA* (eligibility calc) offers 24mths 0% for a 1.94% fee and Virgin gives an extra year at 0% (36mths), but for a much larger 4% fee. Ensure you clear the card by the time the 0% ends, or you'll pay 22.9% and 20.9% rep APR after, respectively. And never miss the min monthly repayments, or you can lose the 0%. Full help in Money Transfers. 6. BEST BUYS - 36mths 0% to cut existing credit and/or store card costs. If you're borrowing to cut existing credit card debt costs, use a balance transfer, where you get a new card that repays these debts for you, but at a cheaper rate. The full top picks are in Best Balance Transfers (APR Examples) - here are the headline 'new cardholder' deals, so if you already have one of these firms' cards, go for a different one. And crucially choose the card with the lowest fee in the time you can repay.... - Halifax* offers up to 16mths 0% for NO FEE (18.9% rep APR after). - Lloyds* offers 28mths 0% for a one-off 1.5% fee (18.9% rep APR after). - Halifax* offers up to 35mths 0% for a 2.7% fee (18.9% rep APR after). - Barclaycard* is up to 36mths 0% for a 2.99% fee (18.9% rep APR after). The 0% Balance Transfer Golden Rules: a) Use the eligibility calc to find your best acceptance chances. b) Repay at least the set monthly min, or you can lose 0% rates. c) Always clear the card or shift again before the 0% ends, or rates jump. d) Don't spend/withdraw cash on them. That's not usually at the cheap rate. e) Unsure what to pick? Use our Which Card Is Cheapest? tool.     7. Struggling? Are you eligible for a Government 0% loan? If you're looking at horrid debts such as payday loans or store cards, these are a far better alternative. There's no credit check, but they will check you can repay. - Local council support schemes: Typically for those in emergencies with no savings, these are administered by local councils, making it a postcode lottery as to whether support's available. Sometimes they’re grants not loans, or vouchers not cash (eg, for furniture, clothing). See full support schemes info. - Budgeting loans: If you're on some income-based benefits, you could be eligible for a loan of up to £800 to help you meet essential living costs. See budgeting loan info. - Alternatively, try your local credit union: These are small savings and loan mutuals, helping local communities. They usually lend from £50 to £5,000 - APRs are typically about 13% but can be higher (though they're capped at 42.6% APR). To find if you've a local union, see our Credit Unions guide.     8. In debt crisis? If you can't meet your minimum repayments or aren't sleeping due to worry, read my Debt Crisis Help guide and get one-on-one not-for-profit debt counselling from Citizens Advice, StepChange or National Debtline - or, if you're struggling emotionally too, CAP. These agencies are there to help, not judge. The most common thing I hear after is: "I finally got a good night's sleep." Read some inspiring stories in our Debt-Free Wannabe forum and also my Mental Health & Debt guide.
Blagged for MoneySavers Naked Wines £50 off £80 code Ends: Sun 26 Apr £110 Plain Lazy T-shirts £35 code Ends: Tue 28 Apr L&G cat & dog policy, bonus £50 Amazon vch Ends: Tue 30 Jun
Did you miss? 'I got £67 of shopping for 11p' Sky TV 40% off & £100+ bill credit Easyjet refund trick - check NOW Hot home ins comparisons miss 90 hayfever tablets £4 del
Reclaim PPI for FREE Claims handlers aren't more successful. Free help & templates: Reclaim PPI
MSE News Top story: Clydesdale Bank to review PPI claims after record £20.6m fine Recent home movers need to register to vote: check now Fraudsters con holidaymakers out of £2.2 million: protect yourself EE customers without signal can have calls connected via wi-fi
Get friends on board the MoneySaving bandwagon If this email's ever helped you, please forward it to friends and suggest they get it via moneysavingexpert.com/tips
The Ones Not To Miss		Wed 15 Apr 2015
Earn under £46,000? Free 10-min benefits & tax credit check-up calc Far more people than they think are entitled to benefits or tax credits, yet millions fail to claim and miss out We've just started a new tax year, which has seen some changes to the benefits and tax credit system. Use our 10min benefits & tax credit calculator to ensure that you're not missing out. Quick info... Don't assume 'I earn too much'. In rare cases, families with many children and high childcare costs could still be entitled to tax credits with earnings as high as £73,000/yr. Yet as a rule of thumb do a check IF.... - You're a family with kids at home and household income up to £46,000/yr. - You're a couple with no kids and income up to £18,000/yr joint. - You're 62+/a carer/have disabilities. Of course we're not saying this means you're entitled, just that it's worth using our Benefits & Tax Credits Calc which asks questions to show what you're likely to be entitled to. As John tweeted us: "Thanks to your calculator we found we were entitled to backdated housing benefit." It can be complex, so if confused, your local Citizens Advice is great for 1-to-1 help. Over 1.3 million state pensioners are missing out. Millions of pounds go unclaimed, often by people who've paid into the system all their lives, but haven't claimed. Those of state pension age especially are short-changed, with 1.3m missing out on pension credit (it's worth checking if you're aged 62 or more). Employed? Check your tax code too. Our Income Tax Calculator can show your likely new 2015/16 take-home pay but remember it's your responsibility to check your tax code is correct. The code looks something like 1060L & tells your employer how much tax to take. Our tax code calculator will help you check if it's right. PS, while we're talking benefits, it's worth everyone taking a few minutes to read this: I'm on benefits, but I'm no scrounger. back to top ↑
EE customer? Get a 'free' £20 portable mobile charger from Thurs. Available for contract and PAYG mobile as well as broadband customers. You just get a code to use in-store. Full info in EE charger. FIGHT: Cash ISAs v Santander 123? Skipton's top easy access cash ISA pays just 1.6%, even Coventry's 4yr fix is only 2.25%. Yet Santander's 123 bank account pays 3% and from next year you can earn £1,000 interest tax-free. Don't write off cash ISAs though, there are 6 reasons they can still be winners - see Martin's new Cash ISAs v Santander 123 guide. Totally free £100 daily cash prize draw. Sounds too good to be true, but it's legit. The prize has gone up to £100 & forumites love it - purple45 says: "I won a couple of months ago, nearly £500." (The draw rolls over). Postcode Lottery. Naked Wines £50 off £80 newbies code. MSE Blagged. Gets 12 btls for £50 del at Naked Wines. Pls be Drinkaware. £10 food at your local takeaway for £5. Works at 10,000+ takeaways/pizza places etc. Ltd vouchers. Hungry House
Capital One slashing cashback - get up to 5% elsewhere A month ago we predicted new 'EU interchange cap' may hit cashback & rewards cards. Sadly Cap One's now proof We've been swamped with Cap One customers angry that it's killing or slashing their cashback - many've made £100s/yr. We predicted this when the EU decided that from later this year it'll cap the interchange fees retailers are charged when credit & debit cards are used. This may be a lose-lose for consumers as retailers likely won't pass on the gain either. Top cashback credit card cards: These pay you to spend on them, in the hope that you'll rack up interest. Yet repay IN FULL each month and as there's no interest, your credit card is now like a debit card that pays you. Top cashback credit cards Use the FREE ELIGIBILITY CALCULATOR before applying to see which you're most likely to get Card Annual fee Cashback Rep APR Amex Plat Everyday* - good for big, one-off planned purchases as huge intro cashback. None 5% for 3mths up to max £100 back, tiered up to 1.25% after. 19.9% Santander 123* - best for those who drive big mileage so petrol cashback covers fee. £24 (1) 3% on petrol/trains (max £9/mth back), 2% depart stores, 1% supermarkets. 16.5% Aqua Reward* - for poorer credit scorers. None 0.5% on all spending. 34.9% (1) Refunded in first year for Santander 123 bank account customers Will these cards keep the cashback? Amex-issued Amex cards like the one above are unlikely to be hit by the cap - so it's unlikely to change. Santander 123's cashback is integral to its offering, so we suspect it's unlikely to go and Aqua uses it to target poorer credit scorers, so we're hopeful (no certainty) it'll stay. See Cashback cuts. The Cashback Credit Card Golden Rules. Full help & options in Top Cashback Cards (APR Examples). In brief... a) Don't just apply in hope, that marks your credit file. Use our Eligibility Calculator to find your best chance first. b) Always repay IN FULL, preferably by direct debit, to avoid interest - if not, then go for a 0% spending card. c) Never withdraw cash. You don't get cashback, you pay interest even if repaying in full & it hits your credit score. d) Use the card for ALL normal spending to max gain (within your limit), but it's not an excuse to overspend. e) Pay for goods costing £100 - £30,000 on a card, and under Section 75 laws, the card firm is jointly liable with retailers if something goes wrong (or retailer goes bust). A hugely powerful extra protection. back to top ↑
Free packet of 2,000 wild flower seeds. Click & it gets sent. Packets vary, 100,000 avail. Kew Gardens Bank fined £20m for mishandling PPI claims - don't let 'em keep your cash, reclaim for FREE. Clydesdale has just been fined £20m for poor PPI complaints handling. This proves yet again the idea banks play fair is a fallacy. Don't just accept your bank's answer - if you're wrongly rejected take it to the free Financial Ombudsman Service. Remember you don't need to pay to reclaim. Full help & free template letters in Reclaim PPI for Free. Related: Clydesdale £20.6m PPI fine P&O £24 Dover-Calais car day return & 6 bottles of wine. Travel until 10 May. See P&O. Pls be Drinkaware. 5,000 FREE £14ish Grand Designs London Live tix. At Excel London from 5-10 May. Grand Designs
Tell friends about us. They can get this free every week.
FORWARD THIS EMAIL	SHARE ON FACEBOOK	SHARE ON TWITTER
Hot tips, tricks and deals you may've missed if you were away over Easter We notice our traffic drops over Easter, so here's a quick catch up to ensure you didn't miss key savings. Last week we told you how to use your new £15,240 cash ISA allowance, we found a Sky TV 40% off and £100+ bill credit newbies deal, gave 20 extreme couponing tips and saw a new 16mth 0% NO FEE balance transfer deal launch. See last week's email. The week before, we had Martin's Pension Freedom 5-minute briefing, a new free £125 for switching to the No.1 cust service bank account, a hot mobile Sim deal for BT customers, plus 50+ tips on cutting motoring costs as petrol prices creep up again. For the full kit & caboodle see the 1 April email.
Watch ALL Game of Thrones via free 2mth Now TV (norm £14). Newbies only, 5k avail, watch online. Now TV FREE gym passes: 7-day BMF, 5-day Fitness First, 1-day Nuffield Health. See our full Cheap Gyms guide. Good news: student loan interest rates to drop to 0.9% for 4m+ former students from Sept. Every Sept the student loan interest rate is changed based on March's RPI (inflation) - yesterday we learnt RPI was 0.9% (2014, 2.5%). So while not confirmed, from Sept the new rates will likely be... Pre-1998 starters: Drops to 0.9% from 2.5%. 1998-2011 starters: Drops from 1.5% to 0.9%. 2012+ starters: Drops from 5.5% to 3.9%. Full info in Student Loan Repayments. 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%: Halifax* 16mths 0%, no fee (18.9% rep APR) Get comparison site quotes in this order... Compare The Market Moneysupermarket* Then check insurers they miss: Direct Line* Aviva* Admiral MultiCar* Cahoot* (£5k - £7.5k) 4.6% rep APR Sainsbury's* (£7.5k - £15k) 3.6% rep APR Skipton BS 1.6% AER Min £1, clean rate Online. Allows transfers. Coventry BS 2.25% AER Min £1. No transfers Loophole: Fixed till May 2019 See Card APR Examples & Loan APR Examples Easyjet money back if prices drop: SUCCESS OF THE WEEK: (Send us yours on this or any topic) "Just rang Easyjet and got a credit voucher for £48 as prices have come down. Without MSE I'd be £48 worse off." Full instructions in Easyjet get the difference back. £110 Plain Lazy T-shirts £35 code. MSE Blagged. Lucky dip of 5 men's/women's T-shirts (norm £22 each). Plain Lazy
Cheeeep pet insurance - incl £50 Amazon voucher bonus Vet bills have risen around 5% in 3 yrs. Pet owners should consider insurance. If you are insured, can you cut costs? Even a cat's broken leg costs £2,000 at some vets. You can say neigh to pet insurance, but do examine the financial impact if your pet's as sick as a parrot. Our full Cheap Pet Insurance guide can keep a leash on prices. Here are quick tips to avoid a cat-astrophe... Dog or cat? Three steps to find the cheapest cover 1. Combine comparison sites: Our top picks GoCompare* and CompareTM give a wide range of quotes in a short time - combine them as they cover different insurers. For multiple pets compare via Confused* and MoneySup* (up to four furry friends). 2. Bonus £50 Amazon voucher. Once you've found the comparison sites' cheapest, click this specific MSE Blagged L&G dog or cat* policy by 30 June. If it's cheapest, or not much more costly, use code PETMSE to get a policy and you'll be sent a £50 Amazon vch within 75 days of the start date. IMPORTANT: If you use ad or cookie-blocking software, turn it off or vouchers may not track. 3. Check sites they miss. If time, also get quotes from Direct Line*, Aviva* and Leisure Guard* (currently 45% off). Got other pets? You can't use comparison sites. You'll need to mane-ually get quotes. Horses & ponies: Petplan Equine*, Animal Friends* and NFU Mutual. Snakes, tarantulas, etc: Exotic Direct* (as the name suggests) is the specialist. Rabbits/budgies/chinchillas: Exotic Direct*, Petplan*. Pet Insurance Golden Rules. For full info, see Cheap Pet Insurance, but let's gallop through them... 1) Do you need pet insurance? You could instead 'self-insure' by saving each month to cover vet fees. Yet be honest with yourself about what you'd do if your pet was ill and you couldn't pay. See Should I insure my pet? for more. 2) Need cover but can't afford it? If you're on benefits, the charity PDSA may help with vets' bills. 2) Got a dog? You need 3rd-party cover. Cats are 'free spirits', so you're not liable if they injure people or damage property. Dogs aren't, so check your pet policy for 3rd-party cover. Don't have it? £25 third party insurance. 4) If your pet's had treatment, beware switching. Most insurers won't cover your pet for any illness they've already been treated for unless you pay a huge hike in premiums. See pre-existing conditions for full help. 5) Don't forget routine jabs. If you do, it could invalidate your insurance. See annual injections for more. back to top ↑
FREE 500ml Coke, 2mth Tastecard, hotel codes & more via footie app. See Premier League app blog. DISCOUNTS: M&S 20%, LK Bennett 25%, Debenhams extra 10% off £30... M&S 20% off flash online sale Mon | LK Bennett 25% off code | H&M 20% off £20 in £4 mag | Wallis 20% off in 99p mag D'hams extra 10% off £30 code | Poundshop.com 10% off £15 & free del MSE Blagged. | ALL Codes & Vchs FREE The Other Art Fair tix - 500 pairs (norm £18). Unsigned artists display work in London, 24-26 Apr. Art Fair 10 Nectar pts/litre on Sainsbury's fuel (usually 1pt/L). Until 10 May. For this and more see Cheap Petrol guide. Last chance to register to vote for the General Election. The deadline's 20 April. Voter registration 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 £1,159 a year, the cheapest deal's £913. First Direct* £125 bonus and top cust service Santander 123* Up to 3% cashback on bills (£2 per month fee) Get comparison site quotes in this order... GoCompare* MoneySupermarket* Then check insurers they miss: 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
Show Vouchers and Top Deals
Restaurant vouchers Bella Italia 2for1 for £1 All Bar One £5 off £20 Domino's 30% off create-your-own Ask Italian 30% off main courses Prezzo 30% off main courses	Discount vouchers & sales Tesco 25% off 6 btls wine & bubbly Hotpoint Extra 30% off appliances Evans Up to £500 off with bike trade Space NK £10 off £40 (Wed only) H&M 25% off one item	Top deals Just V Show Free veggie show tix Merlin 2for1 attractions with cereal Secret Escapes Free £25 credit LTA Free parent & child mini tennis Meerkat Movies 2for1 cinema tix
The Moneysaving community
Show Money Saving Community
MONEY MORAL DILEMMA Should my friend contribute to vet bills for injured dog? This week's MoneySaver who wants advice asks... A friend was walking my dog Nutmeg last week when Nutmeg ran into some barbed wire no one knew was there. The vet's bill was more than £300, but my attitude is, she's my dog, so my responsibility. However, my friend feels guilty and has offered to pay half the fees. What should I do? Enter the Money Moral Maze: Should my friend contribute to vet fees?| Suggest an MMD | View past MMDs THE GREAT HUNT Tips and tricks to slash the cost of hotel stays Hotel prices can be through the roof, so we want to tap MoneySavers' collective knowledge on bagging a room for less. We bang on about checking comparison sites and booking at less busy times, but what are the really clever ways you cut costs? Do you grab free stays via a loyalty scheme? Do you know where to find hidden opening rates? Or do you avoid hotels entirely and use apartment rental sites like Airbnb instead? Share yours/read others': Tricks to cut the cost of hotels Past topics: View all CHEAP FLIGHT SALES ALERT Airline: Jet2* Offer: 10% off all flights Ends: Wed 22 Apr Our pick this week is Jet2's* 10% off all flights sale (incl taxes, excl some charges and extras) until 30 Apr 2016. It flies from seven UK airports to more than 50 European destinations. There is no code, the discount appears automatically. Excludes bookings of 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 back to top ↑
Quick forum tips Top Deal: Peppa Pig £5 wellies. Squealy good deal. Half-price Aussie hair products. Hairway to heaven. Megabloks school bus. Wheely good. 60% off clingfilm dispenser at Lakeland. Debt-Free Wannabe chat of the week: Take your lunch to work challenge Competitions thread of the week: £2,000 holiday Old Style (Thrift) Board thread of the week: Ideas for a huge cabbage		Freebie of the week 'Love Your Greens' seeds
Martin's appearances (from Wed 15 Apr onward) Thu 16 Apr - Good Morning Britain, Deals of the Week, ITV, 7.40am. Watch previous show. Fri 17 Apr - This Morning, Martin's 90 Second Savers, from 11am. Watch previous show. Mon 20 Apr - This Morning, ITV, Money Monday, 10.30am. Watch previous show. Mon 20 Apr - Consumer Panel, BBC Radio 5, 12pm-1pm. Subscribe to podcast.
MSE team corner Regular team appearances: Wed 15 April MSE Jo G, BBC Radio Manc, 4.50pm Fri 17 April MSE Steve, BBC Radio Manc, 4.50pm Tue 21 April BBC Radio Cambridgeshire, 2.15pm	Discussion of the week Bizarre delivery This week, one of our forumites received a random delivery of cash through her letterbox, which she doesn't think is hers. Join the bizarre delivery thread and share your theory on the mystery package.	Cheap travel money UK's Best Currency Rates £100 will buy you: Best Worst € 137.36 123.62 $ 145.76 131.18 TL 376.20 325.38 Rates correct at 3pm Tue Find all top currency rates Compare travel cash
This week's poll: Which coalition would you vote for? The opinion polls suggest we'll have a hung parliament - if so, we could find ourselves with a coalition government again. So for fun, we want to know if you could pick a coalition instead of a party, which would you pick? Which two-party coalition would you pick (order based on seats in last parliament - the one listed first isn’t necessarily the majority party)? Tory/Labour Tory/Lib Dem Tory/UKIP Tory/Green Tory/SNP Tory/DUP Tory/Plaid Labour/Lib Dem Labour/UKIP Labour/Green Labour/SNP Labour/DUP Labour/Plaid Lib Dem/UKIP Lib Dem/Green Lib Dem/SNP Lib Dem/DUP Lib Dem/Plaid UKIP/Green UKIP/SNP UKIP/DUP UKIP/Plaid Green/SNP Green/DUP Green/Plaid		Poll results How old were you when you bought your first home? The majority of people - 67% - bought their first home when in their 20s. Unsurprisingly, it was younger people who were less likely to have bought a home, with 19% of under-40s never having bought a home, compared to 4% of over-40s. 37,881 voted. See the full results.
Question of the week Q: I want to buy return flights from London to Athens in June on BA, paying with Avios points. I know the scheme is changing from 28 April - am I better off waiting until after? Katie, via email. MSE Sally’s A: You could be - as you're travelling in June, which is largely off-peak, the changes are likely to be good news for you. If you book now, under Avios' current flat-rate redemptions you'll need 20,000 points. But after 28 April, Avios has introduced peak/off-peak bookings. Book a return off-peak flight to Athens after then and it's 17,000 points (in peak times it's still 20,000 points). Taxes on top for peak and off-peak bookings remain at £35 per return. However, you need to balance the points saving with availability. Avios-booked tickets are limited so by waiting you're taking a gamble on seats still being available when you want to travel. And while you're likely to benefit from the changes, some will be worse off (eg, many will earn a quarter of the current miles on an economy ticket). See our rundown of Avios changes winners and losers. Please suggest a question of the week (we can't reply to individual emails).
Sam's free game of the week: Brain Builder
What's (probably) the best advert in the world? That's it for this week, but before we go, this week Carlsberg broke the mould with a billboard advert which gave you free beer. To check that out and also suggest the ads you love and hate, see Probably the best ad in the world?   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. What you need to know This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances - and remember we focus on rates not service. We don't as a general policy investigate the solvency of companies mentioned, how likely they are to go bust, but there is a risk any company can struggle and it's rarely made public until it's too late (see the section 75 guide for protection tips). We often link to other websites, but we can't be responsible for their content. Always remember anyone can post on the MSE forums, so it can be very different from our opinion. Please read the Full Terms & Conditions, Privacy Policy, how this site is financed and Editorial Code. Martin Lewis is a registered trade mark belonging to Martin S Lewis. More about MoneySavingExpert and Martin Lewis What is MoneySavingExpert.com? Founded in February 2003, it's now the UK's biggest consumer help website with more than 10 million people getting this email and about 13 million using the site every month. In September 2012 it became part of the MoneySupermarket Group PLC. Its focus is simple: saving cash and fighting for financial justice on anything and everything. The site has over 80 full time staff, more than a third of whom are editorial – researching, analysing and writing to continually find ways to save money. More info: See About MSE 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: Unaffiliated web-addresses for links in this email cbonline.co.uk, ybonline.co.uk, halifax.co.uk, bank.marksandspencer.com, sainsburysbank.co.uk, santander-products.co.uk, hitachicapital.co.uk, zopa.com, ratesetter.com, mbna.co.uk, barclaycard.co.uk, lloydsbank.com, americanexpress.com, aquacard.co.uk, gocompare.com, confused.com, moneysupermarket.com, legalandgeneral.com, directline.com, aviva.co.uk, leisureguardpetinsurance.co.uk, petplanequine.co.uk, animalfriends.org.uk, exoticdirect.co.uk, petplan.co.uk, admiral.com, firstdirect.com, directsavetelecom.co.uk, postoffice.co.uk. Financial Conduct Authority (FCA) Note 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 email or stop receiving the weekly tips (unsubscribe): Go to: www.moneysavingexpert.com/tips