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| DON'T believe the fake 'Martin Lewis' or 'MSE' ads |
| Cheap mobile tariffs: keep your phone, pay far less... While those who haven't switched have seen costs rocket by more than inflation, the price of the cheapest Sim-only deals (where you just switch the Sim in your phone to pay less) continues to fall. And if you're one of the 14m that are out of contract (see how to check in seconds), you're free to switch & save. David emailed us: "We have just saved a massive £24/month. My wife had way more data than needed, so that has been cut down. Meanwhile, the new deal includes roaming, which was an extra on the old contract. Thank you for saving us nearly £300 a year." Use our Cheap Sim comparison to see ALL deals...
1. To keep your number, just text 'PAC' to 65075, then give the code you get to your new provider. 2. Unlock your phone for free. Some phones are locked so they can only use one network's signal, but if you're on a pay monthly deal and out of contract, your network must unlock your phone for free. See Mobile unlocking help. 3. Don't want to switch? Haggle. Mobile firms are among the easiest to haggle with. Full info in Mobile haggling. 4. Need roaming help? See our Cheap mobile roaming guide. 5. Members of cashback sites may be able to get deals even cheaper. In some cases, these sites can undercut promo deals elsewhere. Do check you're comparing like for like though. See Top cashback sites for more. | ||||||||||||||||
| New. Top 5.1% easy-access savings. Easy-access savings rates had been dropping, but app-only bank Chase* (part of giant JPMorgan) is paying 5.1% (on up to £1m) to new customers (& existing users with under £50k saved), easily the best open-to-all account. Just open its free current account (it only does an ID check, not a credit check & you needn't switch to it) to access the savings. It has other perks too. Nationwide customer since 22 May? It's allowing existing customers to lock savings away in an unbeatable 5.5% AER 18mth fix (on £1 to £10,000). Full info & options in Top savings. Amazon, 1 click to see if you can get £15 off £30. A series of quick checks to see if you get Amazon 'free' credits. New. Longest 0% balance transfer card - everyone accepted gets 29mths INTEREST-FREE. Last week a new longest deal launched, letting accepted new cardholders shift existing card debt(s) to Tesco Bank's 29mth 0% card for a one-off 3.49% fee. Crucially, all accepted definitely get the full 0% period (link goes via our eligibility tool so you can check your acceptance odds for this & other top cards). Full help & options in Top balance transfers. Golden rules: Repay at least the monthly minimum & clear the card before the 0% ends or it jumps to 24.9% rep APR. FREE Open Farm Sunday events, including tractor rides & welly-wanging at 220+ farms. This Sun (9 Jun) is the day when farms open their gates and put on activities - it's a baaa-gain (excludes NI). Open Farm Sunday £45 for £117 of Sol de Janeiro, Nars, Urban Decay etc beauty. 11-item make-up & skincare box including cleanser, bronzer, tanning oil and blush from popular online beauty retailer Lookfantastic. Out of pocket due to Child Benefit payment delays? 500,000 people didn't get their payment on Monday as expected. If you've had knock-on costs (eg, payments bouncing), see our Child Benefit delay help. Sales: M&S up to 50% off clothes & home | Ikea's up to 80% off. The M&S sale is on 1,000s of items including brands such as White Stuff and FatFace. And the Ikea sale's max discount (starting Thu) is up from the max 50% last year. PS: The Martin Lewis Money Show Live returns for a one-off special next Tue (11 Jun) 8pm, ITV1. Do watch/set the Betamax. |
| 5 ways to cut your water bill... The forgotten utility. You mightn't be able to switch, but many in Eng & Wales can still save Water bills rose by 6% on average in April across England & Wales, and failing Thames Water, having paid billions in dividends, is trying to get permission to hike bills by 59% over the next five years. Costs are rising, so we want to show you what you can do to cut them. Our Cut water costs guide is overflowing with tips, but here are the key ones. Water you waiting for? Can you save £100s with a FREE water meter? Water bills are based on the old pre-1990 rates system, where the amount you pay's roughly based on your home's rental value, not your usage. So bigger homes tend to pay more, even if they're not consuming much water. Yet you can get a free water meter in England and Wales, which measures how much you use and bills you accordingly. Here's Martin's simple rule of thumb...
If the water calc shows savings are likely, but you want a more formal assessment, your water firm can do that. For some, especially in big houses with few people, the savings can be massive. Amanda emailed us in April: "Thanks to MoneySavingExpert.com, we moved to a water meter and our bill has gone down from £119/mth to £25/mth [a saving of £1,128/yr]. Thank you." Vinny emailed us about this a couple of weeks ago: "I recently followed your advice and applied to get a meter fitted. My original bill was £966/yr. However, my supplier was unable to fit a meter. Instead they sent me an assessed bill and my charges were reduced to £422 [a £544/yr saving]! Thank you MSE!" On Universal Credit, benefits or have low household income? Check out social tariffs and WaterSure. Social tariffs are offered by all firms and can reduce what you pay by up to 90%. There are 5.7m ELIGIBLE HOUSEHOLDS MISSING OUT on an estimated £160/yr on average. See our firm-by-firm social tariff help. It worked for Shirley, who emailed last month: "Due to your advice, I changed my mother-in-law to a social tariff for her water bill. She's moved from £19/mth to £7/mth [a £144/yr saving] and no longer has to worry about how much water she's using. Thank you." Separately, if you have three or more children, or a medical condition such as Crohn's or eczema which means you need to use more water, you may be able to have your bills capped under the separate WaterSure scheme. Freebies to cut your water use (good even with no meter) - 100,000s available, including £20 shower heads. Water firms UK-wide are handing out 100,000s of water freebies. They're especially MoneySaving if you've a meter, but even if you don't, as much of the water we use is heated, they can cut energy bills. Plus, see our 30 water-saving tips. Can you get a sewerage rebate? It's generally assumed that used water creates a similar amount in sewage. Yet if you've a way of draining or storing water - such as a soakaway, cesspit, pool or big garden - that means some of the water you're using isn't going into a public sewer, you may be able to claim a rebate worth an average ~£35/yr. |
| FREE Krispy Kreme original glazed doughnut (norm £2.65). No code/min spend. Full info: Krispy Kreme freebie. Grind coffee 30% off code. MSE Blagged. Valid on ground coffee, beans and pods. Grind Father's Day's a week Sun (16 Jun). Don't feel forced to buy stuff - we've free gift cheques. If you are buying, see 33% off cards, £30 for £93 of M&S men's grooming and our full Father's Day round-up. Heads up. Free kids' West End tix with a paying grown-up - 50+ shows including Lion King, Matilda. The annual 'Kids Week' promo is returning soon. Info in 'free' kids' theatre. 'I saved £300/yr haggling with BT.' Our success of the week comes from Chris, who said: "I followed your tips on haggling with BT. Managed to reduce my monthly bill from £57 to £32 (saving £25/mth) plus call charges (which are very small). Thanks for your very useful guidance." If we've helped you save (on this, or owt else), please send us your successes. Is a Twitter/X glitch taking you to MSE? It's NOT us. Users have reported being taken to our Car finance free reclaim guide when tapping any image/video/link. This ISN'T an ad, we've reported it. See Twitter glitch info. FREE The Baby Show Manchester tickets (normally up to £16). This Fri to Sun. 1,000 available. Baby Show tix |
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| AT A GLANCE BEST BUYS
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| THIS WEEK'S POLL When did you last switch your bank account? Competition is hotting up again, with 'bribes' of up to £175 offered to those willing to switch (see top bank-switching deals above). So whether you wanted better service, interest on your savings or just free cash - when did you last switch? Or if it's been a while or you've never done it, tell us why. Vote in this week's poll. More than 75% of MoneySavers have had the same broadband provider for over two years. Last week, we asked how long you've been with your broadband provider and, if you're a loyal customer, what's encouraged you to stay - over 5,800 people responded. More than three-quarters of you have been with your broadband firm for over two years. Encouragingly, 40% of those who had stayed for more than 19 months said it was because they'd either haggled a better deal after their initial contract had ended, or had been offered a competitive deal, with just 13% saying it was because switching is a hassle (it shouldn't be). For the full results, see the How long have you been with your broadband provider? poll. |
| MONEY MORAL DILEMMA Is it wrong to buy cheap clearance food when we could afford to pay full price? My wife and I have steady jobs with good salaries and live within our means. We've always shopped in the clearance section at supermarkets, but with the huge increase in food prices over the last two years, I've begun to feel guilty about it. We're fortunate enough that we could pay full price, and with so many struggling, it feels like we're taking an opportunity from those who need it more. Enter the Money Moral Maze: Is it wrong to buy clearance food when we could pay full price? | Suggest a Money Moral Dilemma (MMD) | View past MMDs |
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| MARTIN'S APPEARANCES (TUE 4 JUN ONWARDS) Wed 5 Jun - Co-presenting Good Morning Britain, ITV1, 6am |
| A CLASS BIRTHDAY KITTY & REGIFTED DUPLICATES: YOUR TIPS TO SAVE ON KIDS' PARTIES That's all for this week, but before we go... after one Forumite requested help preparing for the endless cycle of kids' parties, parents have been sharing their MoneySaving tips to save as a party guest. Stocking up on gifts in advance during sales was a popular tip to cut costs, as well as regifting any duplicate toys received from your own child's party. Every guest being encouraged to put just £1 in a card was another top tip, while one poster suggested covering the gift with messy glitter, so you're asked not to give presents at future parties - probably a step too far! However, the tip that seemed the most savvy was to set up a class birthday kitty, where everyone puts in £2 per child at the start of the year and each child gets to pick a gift that's the equivalent of the kitty total on their birthday. Let us know how you stop the cost of gifts from mounting up in our School birthday parties Facebook post. We hope you save some money, |
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 santander.co.uk, firstdirect.com, tsb.co.uk, nationwide.co.uk, chase.co.uk, hyperjar.com, americanexpress.com, tescobank.com, natwest.com Financial Conduct Authority (FCA) Note MONY Group Financial Limited is authorised and regulated by the Financial Conduct Authority (FCA 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 MONY Group Financial Limited. To change your email or stop receiving the weekly tips (unsubscribe): Go to: www.moneysavingexpert.com/tips. |
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