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| Ends Thu. Hot BT Sim: 6GB, unlimited mins & texts '£5/mth' Cracking short-lived deal if you've BT broadband. Even if not, the price war means there are hot deals aplentyThe price of Sims - the little chips you put in your phone to make calls, send texts and go online - just keeps falling. A year ago 6GB of data cost £12.50/mth, last week it was equivalent to £7, now it's equiv a fiver. So if you're happy with your handset and out of contract, or need a Sim to stick in a new phone, you could make a nice little pre-Christmas saver. Ends 11.59pm Thu. 6GB Sim + unltd mins & texts for '£5.34/mth'. It's a smashing deal for BT broadband customers. If you're new to BT Mobile* (uses EE's network), you can get 6GB of data + unltd mins & texts for £12/mth on a 1yr contract. Claim and use the £80 prepaid Mastercard and the equiv cost is £5.34/mth. You MUST claim after 30 days but within 3mths of activation - BT won't remind you, so use this claim form. It takes 60 days to arrive. If you leave BT b'band or don't have it, it's an extra £5/mth, which still makes it ultra-cheap but beatable - see below. Not with BT b'band or need a different allowance? More Sims from £5/mth. Here are our top picks... - Low users: Go via this link and iD Mobile* (uses Three's network) will charge you £5/mth for 2.25GB of data + 250 mins & 5,000 texts on a 30-day contract - as long as you're not currently an iD customer. - Medium users: Ends 11.59pm today (Wed). Anyone not in contract with Virgin Mobile* (EE network) can get 6GB, 2,500 mins & unltd texts for £10/mth. - High users: Via this link, new Three* customers or those who need a second line can get 12GB + unltd mins & texts for £13/mth. More deals and help in Cheap Sim only Deals. Switching Sim is easy. You can keep your number. Just request a PAC code from your current network and give it to the new one, and your number's switched the working day after. See how to keep your number. You'll also need to make sure your phone is unlocked. You can usually unlock it for free if out of contract. PS: There are new plans to let you switch by text by July 2019. |
| New. 1.3% easy-access savings. This new Post Office deal is the best right now if you want to access your cash at any time, paying 1.3% variable (incl a fixed 1.05% bonus for 12mths) on £1+. See Top Savings for more. Boxing Day sales starting EARLY, incl Ugg up to 50% off on NOW. Full updates as they launch throughout the week in Early Boxing Day sales. Cheap Christmas food, incl 29p for 2.5kg potatoes & 20p for 1kg carrots. Plus chocs and fizz. Cheap Xmas food Toys R Us fears - what you need to know. The toy retailer is struggling, and while there's uncertainty for staff, if you have gift cards or are in its 'Take Time to Pay' scheme you may lose out if it goes bust. See Toys R Us alert. Also see our Gift voucher warning. Heads up. 30% off Travelodge on 1m+ rooms. Biggest we've seen in a few years. Starts Boxing Day for 1 or 2-night stays from Jan-Apr, with some exclusions. Travelodge code Two months' Now TV for price of one. Cinema, Entertainment or Kids packages for £2.99+. Newbies only. Now TV deals |
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| 'I CUT my home insurance by over £500.' Pocket a nice Christmas bonus in just 5 mins by following our simple steps to cutting costs We love it when a plan comes together - like it did for MoneySaver Ish, who saved over £500 on home insurance. You should never just auto-renew, instead compare quotes at renewal to slash costs as Ish did: "Thanks to your website I saved £515 on my home insurance. Was shocked to be charged £695 - now I'm paying £180 for more cover." See how to get cheap home ins urance, here are the main building blocks... Step 1. NEVER just auto-renew. Combine comparison sites to get 100s of quotes in minutes. They zip your details to dozens of insurers and brokers at once. Yet as they don't cover the same insurers, and can even have different prices for the same firm, use a few. Our current order's MoneySupermarket*, Compare The Market*, Gocompare* and Confused.com* (see full comparison order and why).Step 2. Compare with the HOT deals comparison sites miss. Two biggies - Direct Line* and Aviva* - won't appear on comparisons, so are worth checking. We also list special home insurance promos, with the current crop for combined buildings and contents policies, incl: - £70 Amazon gift card via this Insure4Retirement* link. Ends Wed 3 Jan. - £50 Co-op food vouchers via this Co-op Insurance* link. (Vouchers arrive within 120 days.) How much you cover makes a big difference - don't overpay or underpay. - BUILDINGS cover - usually only needed by freeholders. Many overinsure by covering their home's market value. Instead it's the rebuild cost that counts (ie, how much to rebuild if it were knocked down). Use a rebuild calc to check. - CONTENTS insurance - for everyone. Don't underinsure - if you cover £10k of possessions but have £20k, if you later try to claim for a £1,000 TV, you may only get £500. Use a contents calc to check you're properly covered. |
| Last chance. Amazon £5 off £25 spend. Some app newbies may get £5 off a £25 spend when they sign in for the first time. Likely ends today (Wed), but Amazon won't confirm when. Check if you're eligible for £5 off at Amazon. Get 20% off first month's payment on train season ticket scheme. MSE Blagged. CommuterClub buys your annual season ticket (incl London travelcard) for you upfront and you pay it back in 11 monthly instalments. It's cheaper than paying a train firm monthly, but costs more than if you pay in one go (incl via interest-free loans from work). CommuterClub Charity gifts, incl £13 goat, £14.50 polio vaccines etc. If unsure what to give, don't give tat, give a gift you KNOW will be used. See charity gifts for inspiration. Plus we wanted to give a gift on your behalf, so we've given £2k for polio vaccines to protect kids. A Christmas message from Martin - do you have experience of mental health issues? If so, we need you. "Two years ago I set up the Money and Mental Health Policy Institute charity. Its purpose is to investigate and lobby to change policy, firms' behaviour and regulation, in order to break the hideous connection between debt and mental illness. Our community now has 4,000+ people (including carers) who make a huge impact, confidentially sharing their stories and telling us what would help - but we need more (espe cially men). If you can, please join the community." Track Santa's location as he delivers presents on Christmas Eve. Free website to track Santa. Christmas decorations sales now boosted, eg, up to 50% off John Lewis & M&S. Plus big discounts at House of Fraser, Debenhams & Wilko. Full info in Cheap decorations for some last-min additions. |
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| AT A GLANCE BEST BUYS
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| 100,000s have OVERPAID student loans - are you owed money? Repaying student loans is a chore. Yet the way payments are calculated and then collected automatically via your employer means 100,000s of you who have taken out a loan since 1998 have been repaying when you didn't need to, and sometimes without even knowing. Some are now owed £1,000s - but the onus is usually on you to reclaim. We've full details in our new Student Loan Overpayments guide. It explains how you or your kids can get money back, here are the key lessons... New. You could have started repaying your loan too early. Most don't need to start repaying until the April after you left. Yet a recent MSE investigation showed 100,000+ in the last three years alone starting repaying before then, essentially extending their repayment period. Getting money back is easy and the average reclaim is £ 333. Mekila told us: "I got £1,100 for early repayments, it took 5 mins." Hannah said: "Got a £500 refund - nice early Christmas present." See How to check and reclaim if you paid back early. You could have overpaid in a particular year. You only have to pay back your student loan if you earn over the earnings threshold in a tax year (currently £21,000/yr for most who started uni in or after 2012 - see full thresholds). However, this is calculated on each pay date (weekly or monthly for most). So if your annual earnings are below the threshold, but you have a lucrative week or month, eg, via a bonus or extra shifts, or you stopped working part-way through the year, you could end up repaying. It's unclear how many have done this - see How to check and reclaim if earnings were low.You could still be paying even though you've already paid off your loan. A huge 86,000 overpaid this way in 2015/16 alone. This happens because the Student Loans Company only gets told how much you've paid once a year. As a result, people who've finished paying off their loans can still have money deducted up to a year later. See How to check and reclaim if you paid after clearing the debt. Related: Should I repay my student loan? | Student loan interest rates are now 6.1% - should I panic or pay it off? |
| FREE e-books or audiobooks to keep (norm £30+), incl The Break by Marian Keyes. MSE Blagged. Nine books, can be read on Kindles, e-readers and mobiles. Free books MARRIAGE TAX ALLOWANCE - SUCCESS OF THE WEEK"Claiming marriage tax allowance took literally 5 mins. HMRC was very quick and a cheque for £431 is on its way to me. Thank you for your help. It was so easy." (Send us yours on this or any topic.) |
| CAMPAIGN OF THE WEEK Charity urges Govt to stop people with Parkinson's missing out on benefits. Parkinson's UK is campaigning for sufferers to get fairer assessments. You can get more info and sign its petition to show your support. |
| THIS WEEK'S POLL Which celebrity chef would you want to cook your Christmas dinner? Whether you plump for turkey, goose, ham or a good-old nut roast for your festive meal, which celebrity chef would you want to cook it? Almost 70% of you have switched energy provider this year. In last week's poll, we asked what you've switched in 2017, with options including broadband provider, mortgage and home insurer. It seems our energy switching message is getting through, with 67% of women and 70% of men switching their gas and/or electricity this year. But you're not switchers across the board, as only about 30% of you switched your bank account, and only 3% switched partners. Find out what else you switched. |
| MONEY MORAL DILEMMA Should I share my discount with friends? I often book theatre tickets for myself and friends, who pay me back. However, I recently bought a £40 discount card that gets money off. Should I continue to charge my friends full-price until I've recovered the cost of the card, or just ask them to pay me the discounted price? Enter the Money Moral Maze: Should I share my discount with f riends? | Suggest an MMD | View past MMDs THE QUICKIES - Debt-Free Wannabe chat of the week: 2018 Frugal Living Challenge |
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| MSE TEAM APPEARANCES (MOST SUBJECTS TBC) Wed 20 Dec - BBC Cumbria, Money Talks with Ben Maeder, from 6pm |
| QUESTION OF THE WEEK Q: Does a lump-sum payment made by a bank for switching my main account to it count towards the £1,000 tax-free savings allowance? Or is it entirely tax-free? John, by email. MSE Karl's A: Free cash from switching bank accounts does not count as interest, is not taxable and therefore does n't count towards your personal savings allowance (PSA) - which only covers savings interest. Please suggest a question of the week (we can't reply to individual emails). |
| A CHRISTMAS CLOWN FROM THE 1800s & A 50-YEAR-OLD ELF That's all for this week, but before we go.. what's the oldest Christmas decoration you have? After a man hit the headlines for using the same Christmas lights since 1969, we were inundated with tales from MoneySavers who still use their ancient decorations each year, including a Santa from the 1930s, a 45-year-old snowflake and nativity figures from the 1960s. Let us know the festive favourites you still use in our Christmas decorations Facebook discussion. We hope you save some money, |
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