|Cutting your costs, fighting your corner||Martin's Money Tips Wed 12 Aug 2015|
MARTIN'S QUICK BRIEFING: For more tips, alerts & awful puns, follow Martin on Twitter
Cars cost - never mind buying them, the running cost of a typical motor is now £3,000 a year (source: AA). And with new car registrations only weeks away, we thought we'd pimp your motor MoneySaving with a variety of ways to hack down the cost.
These are just the start, accelerate savings in 50+ Motoring MoneySaving tips.
| New. FREE £50 of wine on TWO top 0% cards |
Virgin Money's best-buy 0% for debt shifts, new spend & money transfers (cash loans) now has a £50 freebie too
It's always best to pick a 0% credit card on the deal, not a freebie, but Virgin's free 6 bottles of red, white or mixed wine (usual price £50) includes existing best buys in many categories. So if you need one anyway, the wine's a corking boon...
WARNING: A deadline on PPI claims may be imposed - DON'T WAIT. Worrying newspaper rumours suggest the regulators may agree to impose a time bar to help banks. If there's a chance you're owed, check: Reclaim PPI for free
Amazon tool no.2: Is Amazon Europe cheaper? Eg, finds £395 Dyson £234 delivered. Last week we told you the free Amazon delivery trick tool that beats its 'you must spend £20 rule'. Now, as the strong pound means buying from Amazon's Euro sites (eg, France, Italy, Spain) can win even with delivery, try this Amazon EU tool.
£18 Hi-Tec trainers & £23 walking boots via 50% off code. MSE Blagged. Includes sales items. Hi-Tec
Free £100 M&S for switching bank + £10 dine in - and you NEEDN'T pay in owt. New switchers to M&S Bank* already get a £100 gift card, but via this link now also get a £10 Dine in for Two voucher. The account has a £250 0% overdraft and linked 6% regular saver, plus it's our only top pick that doesn't make you pay in a set amount each month (though you must use its switching service & have 2+ direct debits). Full info & options in Best Bank Accounts.
| New. Free flight delays reclaim tool - are you due £420/person? |
'MSE's tips on flight delays helped me reclaim £2,565 from Thomas Cook' - our new tool makes it even easier
If your flight arrives 3hrs+ late or is cancelled, under EU reg 261/2004, you may be entitled to up to £420 per person. We've piloted 400,000+ through this already with our template letters, this week we're launching our new free online tool that does it for you, to make it an even smoother ride. Full info in Flight Delay Compensation - here's our safety briefing:
FREE £26 Cake & Bake Show tix - London, Manchester, Edinburgh. MSE Blagged. 500 free pairs of tickets for London, 750 pairs for Manchester & unlimited pairs for Edinburgh. In Oct/Nov. See Cake & Bake tickets.
Cheapest EVER loan - 3.5%. Borrow £7.5k-£15k: Sainsbury's* is 3.5% rep APR for Nectar cardholders (they're avail free) over 1-3 yrs & 3.6% rep APR over 4-5 yrs*, or M&S* at 3.6% rep APR. £5k-£7,499: Zopa* is 4.3%-4.4% rep APR and Hitachi* is 4.4% rep APR. £2k-£5k: Zopa* is 4.6%-7.9% rep APR, Hitachi* 7.4% rep APR (8% from £2,500 to £3,000). Warning: These are rep APRs so only 51% of those accepted need be given the headline rate. Use our Loans Eligibility Calc to check your chances. Full info: Cheap Loans
CODES & VCHS - Travelodge 10%, Dorothy Perkins £5 off. This week, Travelodge 10% off one-night stays code, Dorothy Perkins £5 off £25 vch, Barratts 20% & Jones Bootmaker 20% codes (both incl school shoes). ALL Codes & Vchs
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| Show Best Buys |
£30 Jawbone UP24 fitness tracker (next cheapest £50, RRP £99). Monitors sleep & activity. Cheap Jawbone
| MSE Big Broadband Switch Event - market smashing deals |
10 DAYS OR LESS LEFT: Incl Sky line rent, broadband & all-in TV (Sport & Movies) £800+/yr off standard price
A collective switch is where you ask firms to bid to provide market beating deals. Last week we launched the results of our first broadband collective. Our b'band postcode checker shows which you can get & compares against the whole market. Here are the winners (click links for full info) - all end in 10 days or less. Questions? Read full FAQs.
Want to test our new FREE TravelMoneyMax app? We're testing our new Android app (iPhone due in 2wks). It a) compares 40 bureaux to find cheapest travel cash (including a nearness indicator for collection). And b) has a unique personalised currency calculator once away to show which card/cash to use. Get it: TMM app. Please feedback. Related: TMM web tool.
SUCCESS OF THE WEEK: (Send us yours on this or any topic)
Show Best Buys
Discount vouchers & sales
MONEY MORAL DILEMMA
THE GREAT HUNT
Quick forum tips
Freebie of the week
Martin's appearances (from Wed 12 Aug onward)
MSE team corner
Regular team appearances:
Thu 13 Aug
Discussion of the week
Often, you don't realise how much stuff you have until you have to move home. The same is certainly true of clothes. Join the discussion on the discoveries moving house can reveal and share your stories.
Cheap travel money
This week's poll: How do you rate your bank account's service?
Please vote based on CUSTOMER SERVICE for your main CURRENT account over the last SIX MONTHS. Please ignore rates or any other products.
The MoneySavingExpert.com Annual Census
That said, there's still plenty of variety among the 7,848 who voted (eg, on earnings, £30k-£40k a year was second and mayonnaise was only a dollop from ketchup in the condiments running). Full results
Question of the week
Are credit card providers allowed to just increase my credit limit? Mine very quickly went up to £7,500, which seems irresponsible. Keith, by email.
MSE's Sam M: They can, but all the major card firms are signed up to the Lending Code which says they should assess if a customer will be able to repay it (ie, not do it for those with poor credit scores or where their account is in arrears) and give at least 30 days' notice.
All providers signed up to the code must allow you to opt out of future rises to your credit limit. You can do this at any point by contacting it, though when lenders try to raise the limit, they often ask if you want to opt out of all future increases.
If you feel your provider didn't follow these guidelines, you can complain to the free Financial Ombudsman, which can adjudicate on the matter. If you've overspent, see our Debt Help guide.
Please suggest a question of the week (we can't reply to individual emails).
|Nick's free game of the week: Avalanche|
When was the bazillionaire, shopaholic or bridezilla born?
That's it for this week, but before you go, new words enter the Oxford English Dictionary all the time and now you can use the OED birth word generator to see which words were born the year you were (who'd have thought smartphone was from the 1980s?).
We hope you save some money,
Martin & the MSE team
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