Laden...
|
|
| ||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| DON'T believe the fake 'Martin Lewis' or 'MSE' ads |
| Martin: Are you on minimum wage? You may be UNDERPAID, 500,000 are! Check & claw back the extra Even if you're not on min wage, SPREAD WORD. It could be worth £100s to friends & family The UK minimum wage increased on 1 April - upping incomes for the lowest-paid workers. Yet many who think they are on minimum wage are in reality actually being paid LESS than they should. The Low Pay Commission believes this could be almost half a million people. I want to give you a flavour of the rules here, though it's far better to read our detailed new National minimum wage: are you being paid enough? guide.
You should be reimbursed if paying for a uniform or safety equipment takes you below min wage. This is firms' most common failing. If you have to buy a uniform or safety equipment, and doing so takes your equivalent hourly salary under the minimum wage, your employer should cover the cost so you still earn at least the minimum. Employers can't 'top you up' with commission, tips or overtime. The national minimum wage usually relates to what you should earn, your base salary has to be at least the legal minimum. (If you're commission-only, the firm must ensure that you receive at least the equivalent of minimum wage for the hours worked. More info's in the guide.) You should be paid for ALL the time you work. If you must spend time going through security checks, doing handover meetings, being on call (at your workplace), and closing or opening up your place of work, this is work and should be hours you are paid for. If not, you are owed money. This also includes travel time if it's part of your job, such as a care worker doing home visits. There are many other ways you could've been underpaid. It can be complex, especially if accommodation is part of your income, so do go through the guide's more detailed 8 ways you may've been underpaid. If you are being (or were being) underpaid, you've a legal right to be paid more and to backpay. It can be as simple as submitting a quick form on the HM Revenue & Customs website - and you remain anonymous. You can also report, and be owed by, old employers (max six years ago). Full help in how to claim what you're owed. PS: I won't use the term 'national living wage'. Back in 2015, then-Chancellor George Osborne announced he was renaming the then over-25s (now over-23s) minimum wage the 'national living wage' - stealing the Living Wage Foundation charity's (which I've long supported) brand. The REAL living wage is a voluntary employers' wage scheme, based on the actual cost of living, which is currently £9.90/hour UK and £11.05/hour in London - 10,000 are signed up, click the foundation's link to check yours. | ||||||||||||||||||||||||
| Martin: 'Check your savings. Under 1.5% and you're being underpaid - DON'T STAND FOR IT!' Fixed and easy-access rates are the highest they've been since 2019. It was huge when we did it last week, so if you missed it, do see Martin's must-read briefing for anyone with savings. New. Your work-learnt INSIDER tips including... 'One massive block of cheese, but five wrapping stations for different brands... including Tesco Value.' We asked you to spill the (own brand) beans from your hidden work knowledge and we had factory workers, posties, car sellers, travel agents and more give their 'insider' MoneySaving tips. 999 summer flowering bulbs £12 delivered. MSE Blagged. Includes oxalis iron cross and acidanthera. 4,000 bundles available, but not in Northern Ireland and parts of Scotland. Thompson & Morgan Martin: 'The wholesale gas price at lowest level since Nov '21...' That's still nearly 3x the old typical run-rate so it isn't a huge reversal, but may mean, for gas & electricity: (1) The Oct price cap RISE will lessen a bit - it's based on the six-month average over Feb to July. (2) A few better fixed deals may launch. We'll keep you in touch if hot short-lived tariffs do come up - we'll put them in our Energy updates guide. Ends 11.59pm Thursday. Megafast 108Mb Virgin broadband & line just '£17/month' - we've never seen cheaper. Newbies applying for this MSE Blagged Virgin Media deal get 108Mb broadband & line for £22.95/month with an automatic £100 bill credit (so barring calls, there's nowt to pay for four months). Factor that in over the 18-month contract and it's equivalent to £17.40/month. Use our broadband comparison for alternatives if it's not available in your area. Martin: 'I need YOUR help (especially if you're young, male and/or from an ethnic minority).' It's now six years since I founded the Money & Mental Health Policy Institute charity. Part of its huge impact is because the volunteer Research Community of those with lived experience of mental health & money issues ensure the policy ideas work in the real world. And we now need more people to join that community. For more info watch my video explaining what the charity does and how you can help. |
|
|---|
| Ends Fri. UK's BIGGEST bank switch bonus - FREE £175 Unless your account keeps you happy, why not get paid to switch? But do decide quickly... Currently FIVE banks pay you to switch to them. The choice is yours, but if you're after cold, hard, immediate cash in your bank, then the biggest upfront switch bribe - in fact the biggest since March 2020 - is being pulled on Friday. Switching is easy. You'll need to pass a not-too-harsh credit check, then use the new bank's switching service. It automatically closes your old account and moves over your money, direct debits and standing orders within seven working days. Plus any payments that still go to the old account will automatically be forwarded to the new one.
| ||||||||||||||||||
| 16 Beer52 craft beers for £19 delivered. MSE Blagged. 5,000 boxes available. Beer52 (please be Drinkaware). Two 'free' Legoland tickets via newspaper. Spend £8, get up to £124 of tickets. Block-buster New. Get £50 cashback for investing £500. 1,000 available. If you plan to 'robo-invest' - where investments are selected for you based on your attitude to risk - then after fees, this Moneyfarm deal for newbies gets you a 9% head start. That's provided you keep the full investment for a min 12 months. (And this doesn't mean we recommend Moneyfarm, as we don't do investment tips - but if you're going to use it anyway, you can get cashback.) Full help in Robo-investing cashback. £10 off £50 Food Warehouse coupon with 60p newspaper spend. See how to find it. Did you do the Sainsbury's 'Big Points Swap'? It messed up some people's swaps. But it's now agreed to honour the higher-value swap rates offered in its original email. Full info and what to do in Nectar blunder. 'I reclaimed almost £4,800 thanks to your packaged bank accounts article.' Our success of the week comes from MoneySaver Julie who used our tips to reclaim packaged bank account fees: "I want to say a big thank you. I tried to cancel my account in 2010 but was told 'it wasn't possible' by the bank. Then reading your article I realised that this just wasn't true. I followed your advice and used the template letter. 18 days later, I got a refund of £4,786." If we've helped you save, please send us your MoneySaving successes on this or owt else. FREE Green Living Live tickets (normally £15). London Excel, 30 April to 8 May. 5,000 available. Green Living Live |
Tell your friends about usThey can get this email free every week |
| AT A GLANCE BEST BUYS |
| THIS WEEK'S POLL Have you switched off your central heating? Soaring energy bills and warmer spring weather have seen many turn off their heating in recent days and weeks. So we want to know if you've turned off your central heating, and if so, whether it was mainly down to weather or cost? Nearly two-fifths of MoneySavers say they've moved their savings in the last three months. With easy-access rates more than double what they were three months ago, encouragingly 39% of the 2,600 people who responded to last week's savings poll said they'd switched in that time. But more than one in 10 had NEVER moved their savings, and are likely earning rock-bottom rates. See full savings poll results. |
| MONEY MORAL DILEMMA Should I ask for my daughter's school-leavers' celebrations to be cheaper? My daughter's leaving primary school in July. The parent committee has organised a trip, T-shirts and yearbooks to celebrate. They've asked parents to contribute £75 each and although I can scrimp elsewhere to find the money, it won't be easy. I want to ask the committee to scale back the plans so it's cheaper, but I'm also aware the kids have had no trips or parties at all over the last two years due to the pandemic and I don't want to be the one to ruin their fun. Enter the Money Moral Maze: Should I ask for a school-leavers' celebration to be cheaper? | Suggest a Money Moral Dilemma |
|
|
|---|
| MARTIN'S APPEARANCES (WED 27 APR ONWARDS) Wed 27 Apr - This Morning, phone-in, ITV, 10.55am MSE TEAM APPEARANCES (SUBJECT TBC) Tue 3 May - BBC Radio Cambridgeshire, Mid-morning with Jeremy Sallis, from 12.40pm |
| BAKE 'EM, GRATE 'EM OR DONATE 'EM... WHAT DO YOU DO WITH LEFTOVER EASTER EGGS? That's all for this week, but before we go... after MSE Laura F grated a leftover Easter egg to use as a cocktail garnish, she asked Forumites for other ideas to use up surplus chocolate eggs. While many were shocked at the very idea of leftover chocolate, others suggested putting them into kids' lunchboxes, baking them into rocky road or cornflake cakes, or donating them to a foodbank. Though one Forumite got particularly creative, describing how they take half a large egg to the ice cream van to get it filled up with soft ice cream (we guess it saves on the price of a cone?!). Get inspired and add your own suggestions in the leftover chocolate eggs discussion. |
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 sellmymobile.com, comparemymobile.com, hsbc.co.uk, firstdirect.com, uk.virginmoney.com, santander.co.uk, mbna.co.uk, bank.marksandspencer.com 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. |
Laden...
Laden...
