Thursday, 9 July 2015
Wednesday, 8 July 2015
Free £240 trick, BEAT record € rate, Amzn flash sale, £300/yr cheaper energy, £105 beauty bundle £28, 3yr 0%, flog stuff free, student loan warning
|Cutting your costs, fighting your corner||Martin's Money Tips wed 8 jul 2015|
MARTIN'S QUICK BRIEFING: For more tips, alerts & awful puns, follow Martin on Twitter
With the Greek crisis, and a potential Grexit, euro weakness means the pound's holding steady above €1.40, so holidaying in Europe's at its cheapest for years. The dollar's decent at $1.54 - but less than 2014's six-year high. Yet these are City rates, bureau de change tourist rates are usually much worse, yet...
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 8 Jul 2015|
| Free £240 bank switch trick |
Who doesn't love free money? Bag £240 with HSBC's new switching bribe or a free £100 + 5% interest with TSB
As we always say, if your bank's a b*****d, don't bitch, just switch. Yet in the last year only 2% have. Thankfully, the switching price war's just ratcheted up, with one of the old monopoly banks, HSBC, wading in. Here's how it stacks up:
Amazon to launch 1day huge discounts for Prime customers, but... It's promising big discounts next Wed for its 20yr bday if you're on its £79/yr Prime service. Yet you can gain free access. Related: ‘I got £79 Amzn Prime back’
All Boxed Up summer skincare box £28 (£105 of stuff). Incl Fake Bake self-tan, Nails Inc polish, Wild About Beauty lipstick, bronzer & moisturiser. We valued it on cheapest prices elsewhere. Limited Stock. All Boxed Up
STOP PRESS. New top balance transfers: 36mths 0% low 1.99% fee OR 24mths 0% just 1% fee. New cards incl... a) Accepted new Barclaycard cardholders can shift debt to it for up to 36mths 0% for a lower 1.99% fee. b) Virgin Money* is 24mths 0% just a 1% fee. c) The winning NO FEE card is Post Office* 18mths 0%. Which'll accept you? Use our free Balance Transfer Eligibility Calc. Key Warning: Never miss min repayments & clear debt before the 0% ends or rates jump to 18.9% rep APR (Post Office 17.8%). See: Best Balance Transfers. (APR Examples). More next week.
27 tips to flog stuff FREE - is Facebook the new eBay? No fees and fast sells, here are 27 Facebook selling tips.
Pssst. Wanna buy stolen goods on the cheap? We ran our top life hacks contest last week. Your most popular by a mile (viewed 373,000 times in 5 days) was this perfectly legal tip (even police are in on it). Buy stolen goods
| Get off your backside & save nearly £300/yr on gas & elec |
It's official. Not enough people switch, and even when you do, you don't switch often enough. Check & save NOW
The Competitions & Markets Authority's just launched a damning report that most people are overcharged (see energy news). In politer terms than us, it put a chunk of blame on people not switching. If you're reading this, you're online, so have little excuse (our worry is who's helping struggling web-illiterate 90-year-olds). Here's how to easily save...
Discounted 'beyond best-before' foods plus EXTRA 10% off code, eg, 500ml Fanta 40p. MSE Blagged. While 'Use bys' are a health warning; 'best-before' are just a manufacturer's view of optimum quality. And one store specialises in selling at or near best-buy goods at huge discounts (min spend £17.50, delivery £5.99). Approved Food
'Free' £10 Sunday cinema ticket with each £4 of sweets. And you can do it twice. Oscar-worthy Cinema Deal.
Dotcomgiftshop EXTRA 20% off up to 90% sale code eg, 8p stickers, £8 cake stand. MSE Blagged. Great way to stock-up on trinkets & gifts for kids and grown-ups (as p&p's £3.95 only worth doing en masse). Gifts
Tell friends about us. They can get this free every week.
| Show Best Buys |
Savings protection limit dropping to £75,000 from £85,000. Yet you're now protected up to £1m on cash for up to 6mths following a life event such as house sale, divorce. Full info in the Are your savings safe? guide.
SUCCESS OF THE WEEK: (Send us yours on this or any topic)
| The home insurance 'freebies' you WON'T find on comparison sites |
New. The hot sign-up deals they miss include a 'free' £92 Delonghi coffee maker, £85 M&S vch & £90 gas BBQ
There's no one no single cheapest home insurer. Instead you need a system to find your winner. Comparison sites are good but aren't catch-alls, we aim to fill the gap. Our full system's in Cheap Home Insurance, here's the foundation:
2,000 free Grandstand tix to Doncaster races code. For 16 Jul & 23 Jul - 1,000 each. Norm £15.50. Race deals
Tax-free childcare delayed until 2017. This new childcare scheme was due to launch and replace childcare vouchers in autumn. The new system will be better for the self-employed, worse for those where only 1 parent in a couple works. Full info & help on how to cut childcare costs in Childcare Vouchers vs Tax Free Childcare.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
Quick forum tips
Freebie of the week
Martin's appearances (from 8 July onward)
Thu 9 Jul - GMB, ITV, Deals of the Week, 7.40am. Watch previous
MSE team corner
Regular team appearances:
Fri 10 July
Discussion of the week
Most parents of grown-up children will be familiar with the concept of "empty nest syndrome" but what about when it's the other way round and they move back home? Join the Full nest syndrome discussion and share your experiences.
Cheap travel money
This week's poll: How many times have you switched energy tariff in the last five years?
The Competition & Markets Authority has just launched a damning energy sector report, proving most people are being overcharged (see energy news).
One of the major problems is not enough people switch, and those who do, don't switch often enough (one reason we launched our Cheap Energy Club).
So we want to know how many times you (or someone in your household) has switched in the last five years:
How much do you spend on alcohol each year?
Here are more of the results:
- 32% of men spend £1,000+/yr
12,851 voted. See the full results.
Question of the week
Q: Does being terminally ill affect an individual's credit rating or their spouses? Sharon, via Twitter.
MSE Helen's A: No. While there's a lot that a credit reference agency does know about you, there's also a lot that it doesn't - and your state of health falls into the latter category.
However, missing payments, for example because you've been hospitalised, could affect your rating. Try to avoid it, but if that happens, you can put a 'notice of correction' on your file. This is a max 200-word note, which allows you to explain any entry on your credit file. It means future applications for credit will be assessed by a human - which may delay them - but will also allow the information to be taken into account, rather than getting an automatic computer decline.
For more on what does and doesn't affect your rating, read our Credit Scores guide.
Please suggest a question of the week (we can't reply to individual emails).
|Nick's free game of the week: 3D Pong|
"Cheap scart lead busted my shiny, new TV"
That's it for this week, but before we go, have you ever bought something you instantly regretted? Whether faulty goods or just down-right wastes of money (eg, clothes you’ve never worn). Share your biggest regret in the forum. And know your Consumer Rights if you want your money back.
We hope you save some money,
Martin & the MSE team
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