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DON'T believe the fake 'Martin Lewis' or 'MSE' ads |
Cheapest-ever loans - from 2.7% on £7,500+. Getting a loan is always about acceptance. That's why it's best to go through our Loans Eligibility Calculator, as it'll show you which lenders are most likely to accept you. This means you can home in on the most likely deal before applying (and reduce multiple applications, which mark your credit file). These are the current best buys to look for in your results: - £1,000 to £2,999: Novuna* 9.9% rep APR interest, but credit card loans are likely cheaper - £3,000 to £4,999: Ratesetter 'from 6.9%' (on £4,000 to £4,999). Finble (must apply through eligibility calc) & M&S Bank* 8.1% rep APR; AA* 8.1% rep APR for members (8.2% non-members) - £5,000 to £7,499: M&S Bank* & Novuna* 3.7% rep APR - £7,500 to £15,000: Finble 2.7% rep APR (must apply through eligibility calc), Ratesetter 'from 2.8%', M&S Bank* 2.8% rep APR - Ratesetter doesn't have an advertised APR. The links go via our eligibility calculator, where you're told whether you'll be accepted and your GUARANTEED RATE before applying. This is why we give Ratesetter a 'from' rate. - All other loans listed are 'representative APR'. That means only 51% of accepted customers need to get that rate - the rest can be charged more. But usually you won't know what you'll get without applying. If you do get a loan, ensure you pay on time (preferably by direct debit) or you may be charged and get a missed payment on your credit report, which can cause real problems. With rates so low, is it worth shifting existing loan or credit card debt? Shifting an existing loan to a new one isn't as simple as finding a cheaper rate, as you may be charged to pay a loan off early. So read our Cut existing loan costs guide for help and calculators to work it out. Though to cut existing credit card costs, you're usually better off using a balance transfer credit card. |
Energy price cap rise to be confirmed on Friday - our new calc will show how much extra you'll pay. We're expecting a horrifying 80% price cap increase and we've lots of help coming - bookmark our price cap rates guide, as we'll be updating it with the new rates AND a calculator to show how much you'll pay from October. Related: Martin's 'Is it time to fix?' guide. Rare Ikea 10% off most items code. Valid online and in stores, till Monday. See this and 20+ more Ikea MoneySavers. New. Two banks now pay £175 FREE cash to switch to 'em. There's a battle commencing in the bank switching arena. Santander's FREE £175* (just upped from £160) comes with 1% to 3% bills cashback, worth £40 to £80/year for those with mid-to-large bills. It's going head-to-head with First Direct's FREE £175*, which also boasts top service (88% rated it 'great' in our last poll), a 3.5% linked regular saver, plus a £250 0% overdraft for many. Full details and crucial eligibility info in Best bank accounts. 3 months' FREE Spotify Premium (newbies only). Listen ad-free & offline too. Cancel anytime, £9.99/month after if you don't. Not a newbie? See how to cut costs in Spotify MoneySavers, including how to get 3 months for £9.99. Ends 11.59pm Thu. BT fibre broadband just '£23/month'. This deal was popular last week, but ends on Thu. Newbies can get this BT 50Mb broadband-only (no line) deal via Broadband Genie for £26.99/month. But you can claim a £25 Amazon, Tesco or Currys voucher AND an £80 prepaid Mastercard - factor both in and it's equivalent to £22.62/month over the 2-year contract, making it the cheapest BT deal we've seen in a year. Yet you can get faster speeds cheaper elsewhere: use our broadband comparison. Falling behind on energy bills? Check if you can get a cash grant. Seven providers now offer non-repayable grants to help reduce energy debts. Find out whether you qualify and how to apply in our supplier-by-supplier analysis. FREE £5ish Burger King plant-based Whopper or Vegan Royale. Thu only, via app. 10,000 available. Free BK
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Even if you're not a student, share this with someone who is - it could save them £100s More than 425,000 students are heading off to uni this autumn, and many of them will be managing their finances for the first time. One key management tool is an overdraft - where the bank lets you spend more than you've got up to a certain limit - and a boon for students is that these overdrafts are interest-free while they're studying. Full options in Student bank accounts, but here's how to choose, and our top picks... - What's the difference between 'guaranteed' and 'up to' overdraft rates? If an overdraft limit is guaranteed, it means everyone who's accepted gets that limit, subject to certain conditions. Yet most accounts give 'up to' overdraft limits, which means what you'll get is based on your credit history - and as a student, it's likely you won't have much of that, so it could be tricky to get the highest amounts. Our top pick offers the highest DEFINITE 0% overdraft, plus some other perks...
These accounts are available to freshers, but others may also qualify. New university students can apply for all the deals above. Those in later years or doing certain apprenticeships or BTEC courses may sometimes qualify too. See Student bank accounts to check if you're eligible. |
Over 1 million water-saving freebies available - such as £20 shower heads and £5 tap inserts. With hosepipe bans hitting parts of England & Wales, it's a good cue for us all to think about cutting water use - it's socially responsible as well as cost-effective. To help, grab one of over 1 million free water-saving gadgets. 12GB data with '£3.50/month' Sim - we've not seen cheaper. Newbies to Lebara (uses Vodafone's network) can get a 12GB/month Sim with unlimited minutes and texts for just 1p/month for the first six months, then £6.90/month - equivalent to £3.46/month over a year. But it's a one-month contract, so you can cancel at any time. Plus, Lebara doesn't charge extra for using allowances in Europe. Need more/less data? Use our Cheap Mobile Finder. Urgent. Is your child 16 to 19 & in full-time education? Act now to avoid losing child benefit. You've got till Wed 31 Aug to contact HM Revenue & Customs and make sure your child benefit payments continue. Child benefit FREE 7-day trial of eHarmony Premium. MSE Blagged. One-off trial for newbies, no subscription required. You get unlimited messaging, video dating and can see who's visited your profile. Normally £10/month. eHarmony 'I got £674 in compensation for my cancelled flights thanks to MSE's tips.' Our success of the week comes from Anna, who said: "I followed your tips about claiming from British Airways for two cancelled flights and yesterday I got an email saying we would get 400 euros each, equivalent to £674, paid directly into our bank account. Very happy and thank you." Send us your MoneySaving successes on this or 'owt else. Live in Northern Ireland? FREE Open University courses (normally costing up to £3,200). Apply to one of 27 courses. 1,400+ places available. Open University NI Working and on universal credit? Check to see if you've been underpaid. You could be one of 10,000s getting the wrong amount each month. Our new guide helps you spot & fix issues if you're affected - but as it's new, do let us know how you found it and suggest improvements. |
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AT A GLANCE BEST BUYS
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THIS WEEK'S POLL How much do you spend on average each week on groceries? With inflation hitting a 40-year high, the price of everyday supermarket essentials is rising dramatically, with many highlighting hikes on bread, butter, pet food and more. So this week, we want to know how much, on average, do you spend on your weekly grocery shop? Zen takes the crown for broadband customer service. In last week's poll, perennial customer-service titan Zen came top among providers, with 94% of its customers rating it 'great'. EE hit second spot, with 54% 'great'. Shell took the wooden spoon with 48% of its customers rating it as 'poor'. See full broadband poll results. |
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MONEY MORAL DILEMMA A building firm hasn't invoiced me for shoddy work - should I chase it up? I had a bathroom fitted and the standard was shocking - there were many issues including a leaking shower and the wrong sink being installed. I reluctantly got the company to return to put things right, as I was putting the house up for sale. I sold it a couple of months ago, but have yet to receive an invoice. Should I pursue the company, or assume it's written off payment knowing I'd dispute the bill? Enter the Money Moral Maze: Should I chase up building firm to pay for shoddy work? | Suggest a Money Moral Dilemma |
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MSE TEAM APPEARANCES (SUBJECT TBC) Tue 30 Aug - BBC Radio Cambridgeshire, Mid-morning with Jeremy Sallis, from 10.45am |
FOUR-LEGGED FRIENDS & DATING MEMBERSHIPS... WHAT'S THE BEST £10 YOU'VE EVER SPENT? That's all for this week, but before we go... MoneySavers have been sharing anecdotes about their best-spent tenner. For several, it was the path to meeting their spouse, whether it was the entrance fee for a serendipitous dance class or membership to a dating agency. Others bought years of joy with now-beloved family dogs and cats. And a few speculated to accumulate: a busker bought a second-hand banjo that earned back its cost in no time and a lucky chancer bought a voucher for a Mecca Bingo night where they won £500. Let us know about the best tenner you've ever spent in our MSE Facebook post. We hope you save some money, stay safe, |
Important. Please read how MoneySavingExpert.com worksWe 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. What you need to know This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances - and remember we focus on rates not service. We don't as a general policy investigate the solvency of companies mentioned, how likely they are to go bust, but there is a risk any company can struggle and it's rarely made public until it's too late (see the Section 75 guide for protection tips). We often link to other websites, but can't be responsible for their content. Always remember anyone can post on the MSE forums, so it can be very different from our opinion. Please read the Full Terms & Conditions, Privacy Policy, How This Site is Financed and Editorial Code. Martin Lewis is a registered trade mark belonging to Martin S Lewis. More about MoneySavingExpert and Martin LewisWhat is MoneySavingExpert.com? Who is Martin Lewis? What do the links with an * mean?Any links with an * 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 products at all and the editorial line (the things we write) isn't changed due to them. 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: Unaffiliated web-addresses for links in this email uk.virginmoney.com, santander.co.uk, hsbc.co.uk, firstdirect.com, novuna.co.uk, bank.marksandspencer.com, theaa.com, sainsburysbank.co.uk Financial Conduct Authority (FCA) Note MoneySupermarket.com Financial Group Limited is authorised and regulated by the Financial Conduct Authority (FRN: 303190). MoneySavingExpert.com Ltd is a company registered in England and Wales. Company Registration Number: 8021764. Registered office: One Dean Street, London, W1D 3RB. MoneySavingExpert.com Limited is an appointed representative of MoneySupermarket.com Financial Group Limited. To change your email or stop receiving the weekly tips (unsubscribe): Go to: www.moneysavingexpert.com/tips. |
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