Friday, 19 June 2015
Wednesday, 17 June 2015
Ryanair sits 3yr-old alone, £6/yr bband, Mulberry 40%, BT hike, tax calc, £1 suncream, school mapper, free Windows 10, 18mth 0%, free ‘Nokia’ Snake
|Cutting your costs, fighting your corner||Martin's Money Tips Wed 17 jun 2015|
MARTIN'S QUICK BRIEFING: For more tips, alerts & awful puns, follow Martin on Twitter
MoneySavingExpert is a colossal, info-packed site, and this week we make no excuses for showing off the pick of our free tools. They can hammer down bills, nail you a bargain or shine a torch on your true outgoings and financial health. Let's open our toolbox...
PS from Martin: I'm taking a break this week, so all the work here is the product of the very talented MSE team.
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 17 Jun 2015|
| Urgent. £6 for year's Sky line rent & b'band (costs £106, £100 credit back) |
14,500 codes avail, ends Thu 25 Jun. This is an intensely white-hot deal that could massively smash your costs
If you're on a standard BT or Virgin package, you may pay £300+/yr for broadband & line rental (excl calls). The real key to slashing the cost is to jump on hot promo deals, and this is scorching. We believe it's this cheap because Sky's year end is soon and it wants to hit 'customer acquisition' targets. Regardless, it's ridiculously good.
Mulberry up to 40% off handbags sale. Not MoneySaving, but if you're going to buy anyway, do it when cheapest. Handbags, clothes & accessories. Eg, Alexa bag £770 (was £1,100) & Campden clutch bag £450 (was £750). Limited stock
Shift credit card debt to 0% NO FEE for 18mths - new deal on the block. The price war rages on as Halifax* (eligibility calc) now offers up to 18mths 0% with NO FEE on balance transfers. Tesco* already offered 18mths 0%, no fee. Need longer? Barclaycard's up to 36mths 0%* card (eligibility calc) has a 2.39% fee. Clear before the 0% ends or they jump to 18.9% rep APR (Tesco 20.6%). Will you get 'em? Try our Eligibility Calc. FULL help: Top Balance Transfers, (APR Examples).
New 'Which school will my child get into?' checker. A new mapping tool shows rough catchment areas, school quality and how likely your child is to get in. Plus check floods, noise, crime & more in 30+ house price valuation tools.
Beat the BT Sport hike - everyone with BT broadband should check. Up £60/yr from Aug. BT hike
| Warning. Have you booked your holiday but not got insurance? |
Buy ASAP so that you're covered for cancellation - and get it from £6/person with our top picks
If you've booked travel but not your insurance you risk a money meltdown. It doesn't cost more, yet many leave it late - that's a nightmare. If you get an illness that lasts till you go away or a family death means you need to cancel, you're not covered if insurance wasn't in place at the time. Full info in Cheap Travel Insurance. In short:
PS: If you're going to Europe, don't forget your Free EHIC Card (which gives state-run hospital care at the price a local pays) and check yours is still valid, as 5.2 million are due to expire in 2015.
Free retro Snake smartphone game (looks like an old Nokia). Plus classics incl Tetris & Space Invaders. Games
Tell friends about us. They can get this free every week.
| Show Best Buys |
| New. 2-YEAR 0% 'loan' - lowest credit card loan fee we've seen |
Massively undercut standard loans via the power of plastic, 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.
Comedy festival, incl Ed Byrne, Rich Hall, Jim Jefferies at Hyde Pk: 2 tix £25 (norm £55). MSE Blagged. Choose one-day tix on Mon 22, Tue 23 or Wed 24 Jun in London - 2,000 tix for each. British Summer Time
LAST CHANCE. Ever had Sentinel (AI scheme) card protection? Vote YES for £100s. It had a card protection plan (similar to CPP) sold via Barclays, Lloyds, HSBC, etc. It's agreed to repay possibly £100m+ to mis-sold customers. If you got a letter asking you to vote on an automatic redress scheme, vote yes - but you've only a week left. Sentinel reclaim
Show Best Buys
|Show Vouchers and Top Deals|
Discount vouchers & sales
|The Moneysaving community|
|Show Money Saving Community|
CAMPAIGN OF THE WEEK
MONEY MORAL DILEMMA
THE GREAT HUNT
THE GREAT HUNT... REVEALED
Quick forum tips
Freebie of the week
Martin's appearances (from Wed 17 June onward)
Mon 22 Jun - This Morning, ITV, Money Monday, 11am.
MSE team corner
Regular team appearances:
Thu 18 June
Discussion of the week
According to a recent study, being in a couple is more costly than being a singleton. Share your experiences in the Do couples pay the price for being in a relationship? discussion.
Cheap travel money
This week's poll: How many jobs do you have?
Many people still find times tough, and a recent report showed 150,000 Londoners (up from 94,000 in 2005) now say they have to hold down two or more jobs to make ends meet. We want to see if this situation is replicated across the country.
How do you rate your home phone and broadband provider?
- Plusnet was 70% 'great' on home phones, 68% 'great' on broadband.
15,396 voted. See the full results.
Question of the week
Q: Could you please tell me if the law forbids a percentage extra charge for paying by credit card for goods or services? David, by email.
MSE Helen's A: No, it doesn't. Charging extra for accepting payment by credit or debit card is permitted under the 2012 Consumer Rights Regulations. However, the charge made shouldn't be more than the cost the seller incurs to accept your payment. Businesses in certain sectors, including financial services and gambling, are excluded from these regulations.
A credit card surcharge is almost always higher than the debit card surcharge because credit cards cost shops more. See the Crackdown on card surcharges MSE news story for more info.
Please suggest a question of the week (we can't reply to individual emails).
|Nick's free game of the week: Battlesnake|
What have you done to be nice today?
That's it for this week, but before we go, this discussion just might motivate you to do the right thing. From taking in a stray cat to comforting a colleague, small but important acts of kindness abound. Read others' and share your own in our forum.
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:
resolver.co.uk, amazon.co.uk, sky.com, halifax.co.uk, tescobank.com, barclaycard.co.uk, protectyourbubble.com, leisureguardlitetravelinsurance.com, holidaysafe.co.uk, google.co.uk, confused.com, moneysupermarket.com, directline.com, aviva.co.uk, admiral.com, marksandspencer.com, sainsburysbank.co.uk, mbna.co.uk, firstdirect.com, santander.co.uk, gocompare.com, directsavetelecom.co.uk, postoffice.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 email or stop receiving the weekly tips (unsubscribe): Go to: www.moneysavingexpert.com/tips