Wednesday, 1 July 2015
EE power bar con?, 32mth0%, cheap stolen goods, is solar worth it?, hot Virgin train sale, £17 HiTec, earn £40 rebuilding credit score
|Cutting your costs, fighting your corner||Martin's Money Tips Wed 1 Jul 2015|
MARTIN'S QUICK BRIEFING: For more tips, alerts & awful puns, follow Martin on Twitter
A month ago, we brought you 15 top life hacks (or in old language 'fun tips'), in a contest to see which would be most popular. Now we've a host of new ones to throw in there too. As we're measuring popularity by who clicks to the guide, we won't overburden you with the details here. Let the battle commence...
Now, those are the new ones - here are the winners from last time, showing how well read each was in the five days after we sent the last life hacks email...
PS: Do you have a life hack to share? We’d love your suggestions for MoneySaving life hacks, too. Email us at email@example.com. We’ll donate £50 to the charity of your choice for any new ones we use (for the first person who sends it).
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|The Ones Not To Miss||Wed 1 Jul 2015|
| New. EARN £40 (re)building your credit |
If you've little or a poor credit history, the trick to showing you're a good credit citizen is a specialist credit card
Whether you want a mortgage or a contract mobile phone, credit ratings count. Last week, we gave you 15 credit boosting tips, explaining it's all about trying to predict future behaviour based on your past. So rejection's likely if your history makes you look a bad credit citizen. Yet equally, those who've never had credit get rejected due to a lack of data.
'Is the free EE power bar a con'? Many have asked us that over this week, as the offer's been kicked on social media. While we've always told you it's technically a hire agreement, our Is EE power bar a con? FAQ answers your questions.
Hi-Tec 50% off incl sale code, eg, £17 trainers. MSE Blagged. Extra discount on reduced clothes & footwear. Hi-Tec
New. 32mth 0% debt shift, just a 1.69% fee. New Lloyds*/Bank of Scot* (Eligibility Calc) credit cards let accepted new cardholders shift debt to them for up to 32mths 0% for a fee of just 1.69% - a good halfway house between the Tesco* 18mth 0% NO-FEE deal and Barclaycard's* long up to 36mth 0% with a 2.39% fee. Never miss min repayments and clear the debt before the 0% ends or they jump to 18.9% rep APR (Tesco 20.6%). Best Balance Transfers. (APR Examples)
Ends Thu. Virgin Trains (west coast) summer ticket sale, eg, London-Manchester £20rtn. 1m tickets, book by Thu for travel 18 Jul - 27 Aug - includes first class. Full info: Virgin train sale.
| Are solar panels still worth it? |
They cut your electricity bill and pay you for generating it too - but the amount you earn drops today...
Over 550,000 British roofs gleam with the reflection of solar panels. With savings interest so low, many have used them as an alternative place to stash cash, but the maths keeps changing. More in free or cheap solar panels, but in a flash...
Get two £1 Eurostar Paris / Brussels kids' tickets per grown-up in August. Starts Thu. For every one-way ticket you buy, you can get up to two tickets for 4- to 11-year-olds for £1, so £2 return. Book 2-9 Jul. Full info: Eurostar
Cheapest travel insurance, £6 (for some). If you just want one-off cover, ProtectYB Economy* tends to win for under-45s, eg, 1wk Europe is £6ish (age dependent), £13ish families. If 45+ LeisureGuard Lite* & Holidaysafe* can undercut it, so check. Taking 2+ trips this year? Holidaysafe Lite* annual cover starts at £13 (£27 family) Europe and £23 (£46 family) world. Full options: Cheap Travel Insurance, Over-65s, Pre-Existing Conditions. All meet our minimum cover criteria.
SUMMER SALES SIZZLERS. They're pumping out discounts as hot as the weather, incl FCUK up to 60%, Ted Baker up to 50%, John Lewis up to 50%, New Look up to 60%, Office up to 60% & Urban Outfitters up to 75%. ALL High St Sales.
Tell friends about us. They can get this free every week.
| Show Best Buys |
Ciaté gel nail kit £30 (norm £99) incl £29 polish. MSE Blagged. LED lamp, gel polish, cleanser & buffer. 1,500 avail
0800 numbers now free from mobiles, but 0845 & 0870 numbers can cost MORE. Huge changes came in for telecom prices today. See 0800s free from mobiles and 0845 & 0870 price hike warning for full info.
| Special code slashes holiday car hire costs |
Six overseas car hire tips could cut the price you pay from '£195 for a week to £79 including insurance'
Holiday car hire done wrong can cost a fortune, yet done right it can be cheaper to have a car for a week than to get a taxi from the airport. Our full Cheap Car Hire guide has tricks & tips and can save you large, as in this tweet we got: "Thank you. Just booked car hire, £79 for week incl insurance. Nearly booked yesterday for £195." Here are 6 of the best...
SUCCESS OF THE WEEK: (Send us yours on this or any topic)
|Show Vouchers and Top Deals|
Discounts & codes
|The Moneysaving community|
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CAMPAIGN OF THE WEEK
MONEY MORAL DILEMMA
THE GREAT HUNT
Quick forum tips
Freebie of the week
Martin's appearances (from Wed 1 July onward)
Thu 2 Jul - GMB, ITV, Deals of the Week, 7.40am.
MSE team corner
Regular team appearances:
Thu 2 July
Fri 3 July
Discussion of the week
Hindsight is a wonderful thing. If you could go back, what three bits of advice would you give your 16-year-old self? Share your thoughts in the discussion on our forum.
Cheap travel money
This week's poll: How much do you spend on alcohol each year?
There's a lot of talk about overindulging in booze in the UK and the effects on your health, but what about your wealth? Please add up all your drink spending, including in:
If possible, look at bank statements for reference. If you're unsure, try working out what you spend in a typical month then x by 12, or in a typical week by 52.
Do you travel with or without travel insurance?
- 71% of under-30s going abroad have travel insurance sorted.
Question of the week
Q: I need to balance transfer but owe a lot on one card. What's the max amount I can transfer? Anna, via Twitter.
MSE Helen's A: This all depends on your credit limit, and unfortunately you don't know this until you apply and are accepted for a card. The better your credit history, the bigger the limit you'll get. Yet don't let this put you off, even if you have £10,000 owed and get a limit of £1,000 - if the interest rate is cheaper, you are still saving money on the £1,000 you shift across. Plus, you could always apply for a second balance transfer card and move more onto that.
However, do be careful making too many applications in a short space of time, as that can hit your creditworthiness. Use the balance transfer Eligibility Calculator to see which card gives you the best chance of acceptance.
It's worth noting that whatever card you go for, it'll usually limit you to transferring 95% of your total credit limit - so if they offer you £5,000, you'd only be able to transfer £4,750.
Please suggest a question of the week (we can't reply to individual emails).
|Nick's free game of the week: Screamin Beans|
Take the 'Are you hawk-eyed or blind as a bat' test
That's it for this week, but before we go, you might have seen this game doing the rounds lately. Have a go and test your eyes. The results range from bat to hawk. Because we care, we've included links to free eye tests if you're the former.
We hope you save some money,
Martin & the MSE team
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