Friday, 22 May 2015
Wednesday, 20 May 2015
Watch TV no licence, 3YR 0%, cheap Starbucks, 5% savings, R Lauren £35, 3YR 0%, Mastercard v Visa, Tesco reclaim, Hotpoint 35% code, £12 specs
|Cutting your costs, fighting your corner||Martin's Money Tips Wed 20 MAY 2015|
MARTIN'S QUICK BRIEFING: For more tips, alerts & awful puns, follow Martin on Twitter
The election of a Tory govt cements planned changes to savings. From April 2016 the new personal savings allowance will mean the first £1k/yr of savings interest basic-rate taxpayers earn is tax-free (higher-rate taxpayers £500).
Great, but many people's savings accounts and cash ISAs pitifully pay under 0.5%, so the boon's limited. Complaining doesn't help; action is needed. Check your rates then see if any of these tricks boost it. I've only included accounts covered by the £85,000 per person, per financial institution savings safety limit...
Blagged for MoneySavers
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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 20 May 2015|
| New: Mastercard trumps Visa for cheapest spending abroad |
The cheapest way to spend abroad is a specialist overseas card - but our new research shows 'make it Mastercard'
Last week, we headlined a trial of a new Supercard for spending abroad - the popularity smashed its site, and all 25,000 trial cards went in 24hrs. Yet the fact it was a Visa prompted us to do some extra research, and the answer's surprised us...
To see how these compare with top debit cards, prepaid cards and more, see 14 Cheapest Ways To Spend Abroad.
How to watch TV and (legally) not pay the licence fee. News this week that 1,000s more do it. Do you qualify?
STOP PRESS: New even-cheaper 36mth 0% debt shift. The credit card balance transfer price war continues. On Fri, BOOM, Halifax* said new cardholders could shift existing card debts to it at up to 36mth 0%, matching the longest 0%, but with a lower 2.9% fee. Then as we were writing this email KAPOW another 36mth 0% card, Barclaycard*, lowered its fee to the new cheapest, just 2.49%. Do clear them before the 0% ends or both jump to 18.9% rep APR after. Will you get one? Use the Balance Transfer Eligibility Calc. FULL info: Best Balance Transfers (APR Examples). More on this next week.
Free meds for coughs, colds & more. If you or your child get free prescriptions, the little-known Minor Ailments Scheme often means you can get other free meds too, eg, paracetamol, eye-drops, creams. Full how-to in Minor Ailments.
Bloomin' marvellous - £50 plants & bulbs £15 del, £45 flower seeds £7.50 del. MSE Blagged. We've dug out these deals - 17 plants & bulbs, incl clematis, or 30 types of flower seeds, incl lavender. Full info in Garden deals.
| New 3-YEAR 0% 'loan' - up to £500 cheaper on smaller amounts |
The longest EVER 0% credit card loan. Massively undercut standard loans, with interest-free borrowing for a fee
Don't borrow unless you need to. And if you need to, always ensure it's budgeted for, affordable, and as cheap as possible. Of course, the cheapest lending is interest-free, so many ask, "Can I use a 0% card to pay cash into my bank account?" The answer is usually no, unless it's a special Top Money Transfer Card, which lets you do it for a fee.
New York flight trick - £295 return all-in, via a quick Oslo detour... Ltd avail, Nov-Jan. See NYC flight trick.
New cheapest no-exit fee energy fix - save up to £280/yr plus get £30 cashback. The new 'Epic' collective switch from MoneySupermarket's is a special E.on 12mth fix tariff. For someone on typical use, it's an avg £877/yr, compared with the cheapest non-collective deal's £899 and the average big 6 standard tariff's £1,155. Unique cashback: Go via our MoneySup* link, not direct, and you also get £30 cashback (£15 elec only) 3-6mths after switching. See Cheap Gas & Elec. PS: As it's not our collective, it's not in Cheap Energy Club, but thankfully MoneySup does a comparison as part of it.
Hotpoint/Indesit clearance EXTRA 35% off, eg, £211 fridge. MSE Blagged. 35% extra off its white goods online clearance store, incl cookers, washing machines - eg, Indesit tumble dryer for £127, Hotpoint fridge £211. Hotpoint deals
£12 specs & £19 prescription sunnies codes (incl lenses & del). MSE Blagged. Ltd stock. Spec-tacular
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| Show Best Buys |
Change the UK in 50 words. The election's over and the politicians are planning their new policies. We're putting your suggestions for small changes to make Britain better to all the party leaders. Suggest a 50-word Moneyfesto idea.
£99 Ciaté gel nail kit £30, incl £29 polish & LED light. MSE Blagged. Gel polish, cleanser & buffer. 300+ avail
Don't let a bank rejecting PPI reclaim stop you - 62% win at Ombudsman. You must first complain to the bank. So the latest figures showing 62% of cases sent to the Ombudsman are upheld are shocking. Full help & templates in Reclaim PPI for free. The report also highlights a huge rise in bank fees complaints. See Reclaim packaged account fees for how.
| Reclaim lost Tesco points then use in NEW DOUBLE-UP |
Halve costs across 12 categories with Tesco's new Clubcard promo - eg, Kindle Fire HD 6 £40 in vouchers
If you're a Tesco shopper, you're due your latest batch of vouchers in the post this week. Don't just spend them on the weekly grocery shop though - it's possible to max their value with three key tips:
YOLO - so be prepared. It's Dying Matters Awareness Week. The aim's to get people talking about dying, death and bereavement. See our Death Happens - Plan For It guide, Cheap Wills and Power of Attorney and the Dying Matters site.
Codes & sale: Crabtree & Evelyn 30%, Sainsbury's Tu 25%, Body Shop 40%. There's a blagged code for 30% off at Crabtree & Evelyn, a Sainsbury's Tu clothing 25% in-store sale & a Body Shop 40% code. See ALL Codes & Vchs.
FLASH online euro, dollar & more currency sales. Our Travel Money Comparison tool includes 3 sales this week. Sainsbury's Bank (online) is boosting rates on all currencies until Thu 9.30am; Asda Money euros, Turkish lira, US, Can & Aus dollars until Fri 8am; Debenhams collect-in-store euros rate until Fri 5pm.
Free cocktail - £8ish Aperol Spritz or £4ish bottle of Sol. Via a Pitcher & Piano voucher. Pls be Drinkaware.
Show Best Buys
|Show Vouchers and Top Deals|
|The Moneysaving community|
|Show Money Saving Community|
MONEY MORAL DILEMMA
CHEAP FLIGHT SALES ALERT
Quick forum tips
Freebie of the week
Martin's appearances (from Wed 20 May onward)
Wed 20 May - The Jeremy Vine show, BBC Radio 2, 'Are ISAs dead?', 1pm
MSE team corner
Regular team appearances:
Thu 21 May
Discussion of the week
Many of us enjoy a soft drink with our meals and throughout the day, but the cost can quickly stack up. Help forumite Catkins with ideas on how to save money on drinks in the How can I save money on drinks? discussion.
Cheap travel money
This week's poll: Would you watch sports or films for free on streaming services if you knew it was illegal?
Some people are using apps such as Twitter’s Periscope to film a TV showing pay-per-view and then stream it for others to watch. 10,000s were said to have watched the recent Mayweather vs Pacquiao fight this way.
So we want to know if you’d watch a free stream of an event you’re supposed to pay for if you knew it was breaking the law?
Is your energy company's service any good?
At the other end of the scale, Extra Energy dropped to bottom, with 65% of its customers who voted rating it poor.
9,470 voted. See the full results.
Question of the week
Q: If I paid for 48-hour parcel delivery for something I bought from a store and it was not delivered on time, can I claim compensation if it came after two weeks? David, via email.
MSE Tara E's A: As you paid for the parcel to arrive within 48 hours, you can ask the retailer for a refund on the delivery charge. But keep in mind you're entitled only to the difference between the price of the lowest, or most common, delivery option, and the amount you paid.
If you want more, you'll need to prove that the company broke its contract with you and because of this you've suffered 'consequential loss' for example, if you had to take an extra day off (on top of the day it was due) to wait for the package. If it refuses then it's up to the courts to decide, so you're relying on the shops' discretion. See more in the Failed Delivery? Fight Back guide.
Remember, your contract is with the retailer. Unless you paid the parcel firm for delivery directly, it's up to the retailer to sort this out, so it's your first port of call when you're complaining or asking for money back.
Please suggest a question of the week (we can't reply to individual emails).
|Nick's free game of the week: Chisel|
Martin vs Payday Lenders financial fisticuffs
That's it for this week, but before we go, let's just say the Martin vs Payday Lenders BBC Debate on the Victoria Derbyshire programme got a bit tasty. Follow the link to watch.
Martin & the MSE team
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