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| DON'T believe the fake ads on Facebook |
| Ends Sun. Free £200 to switch bank Banks pay serious money to lure you in, but the bribe from top payer HSBC will soon vanish Big bank switch bonuses come in cycles and we're hitting the end of the current hot streak with the BIG one about to go. And as we always say, switching is easy as it takes just seven working days and the new bank moves all your payments. So if fed up with your bank or just want the freebies, here are the current top deals... (all require you to pass a not-too-harsh credit check.) Ending. Free £200 - £150 upfront, £50 after a year. Apply for the HSBC Advance Account* by 11.59pm on Sun, and switchers get the cash and can open a 5% fixed regular saver, where you can save up to £250/mth.How do I get it all? For the £150, open the account and start a full switch (incl 2+ direct debits or standing orders) within 30 days. If you're still with it in a year and have registered for online or mobile banking, you get another £50. To qualify, you need to pay in a min £1,750/mth - a £25,900/yr salary paid into the account would do. You also can't have had an HSBC account since Jan 2015. Best of the rest, incl free £125 + 2% bills cashback. Most deals require you to move 2-4 direct debits and keep them active, and that you register for online/mobile banking and/or go paperless, so check. Here's what you can get... - Free £125 + 2% bills cashback - ends 3 Dec. For a £2/mth fee, NatWest Reward* pays new switchers £125 plus the cashback on council tax, energy etc bills paid by direct debit. Our calcs show avg bill payers get £66/yr after the fee, higher bill payers £135/yr, so it beats HSBC for some. To qualify, pay in £1,500+/mth (equiv £21,500/yr salary). - Top service + choice of freebie, eg, £150 Expedia vch, Amazon Echo. First Direct* has won every customer service poll we've done and new switchers can claim a gadget, online course (eg, yoga) or the Expedia vch. You can also access its 5% regular saver and most get a £250 0% overdraft. Pay in £1k+/mth (equiv £12,675/yr) to qualify for the freebie and avoid a £10/mth fee. - Free £125 M&S vch with NO minimum pay-in (+£5/mth more in vchs for 1yr if you pay in £1,250/mth). New switchers to M&S Bank* can get the freebies and get access to its 5% regular saver. Full eligibility info, when exactly the bonuses come, and more deals incl Halifax free £135 + £2/mth in Best Bank Accounts. |
| Urgent. Short-lived flight deals, eg, £10 Malta, £349 Thailand & £91 Istanbul rtns. Black Friday week is a good time for mega deals - so we've rounded up lots of 'em, and blagged 5,000 free 1mth trials of Jack's Flight Club's premium alert service to find more hot deals in the coming weeks. See Mega flight deals. Are you an overdraft prisoner? Martin's guide to escape. Don't assume you're stuck with no way out. Read Martin's new 'how to escape your overdraft' blog. £10-£40 West End theatre tickets, incl Bat Out of Hell, Aladdin & Wicked. Jan/Feb shows, and you get first dibs if you have a Mastercard. Theatre tix FREE 99p KFC fries. For new and existing app users this Black Fries-day. When does your passport expire? We've found 3m+ paid extra as they left it late. Don't risk paying up to £100 more, see Passport warning. Stop Press. Soap & Glory star gift set – early access 'VIP' slots just out. It's the big beauty set MoneySavers wait for - we predict it'll be out around 7 Dec, but Boots has just sent emails so you can get it two days early. Details are still sketchy though. For the latest, see Soap & Glory. |
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| MSE Big Energy Switch Event 12
MSE WINNER 2: The cheapest 2yr fix. The Green Network Energy MSE 2yr fix locks in rates over two winters, and as it's for longer, you could save an average £400+ over the next 2yrs on typical use compared to a big 6 standard tariff if you're a new customer. But you can't get it for gas-only. If you don't want to switch often or want price surety, locking in for longer helps. There's no limit on how many can get it, but it ends on 30 Nov. CHEAPEST BIG SIX: Hot British Gas deal and existing customers can get it too - save £200. It's not one of our Big Switch winners, but the relaunched British Gas Energy plus boiler cover Oct 19 tariff is good if you want a big name. The rate is fixed till 31 Oct 2019 and over the next 11mths you could save an average £200 vs a big 6 standard tariff on typical use, plus most homeowners get 'free' £60ish boiler cover. It's open to new & existing dual-fuel (gas & elec) customers paying by direct debit, but you won't see it direct from BG. To qualify, you need to get a 'free' smart meter if you don't have one. Just want the cheapest? A couple of small, newish providers have cheaper variable deals - yet it means prices can move. To find them, do a full market comparison. For more help on just how easy switching is, see our Switching FAQs. |
| '£5' Ikea real Xmas tree. Not strictly £5, but buy one of its £25 full-size trees & you get a £20 in-store vch. Ikea tree £64 Christmas free-range bronze turkey and meat bundle (feeds 10-12, norm £104). MSE Blagged. 3,000 to gobble up. Incl chipolatas, sausage meat, bacon and goose fat. Delivery 20-21 Dec. Xmas dinner The complete Harry Potter collection - code gets seven books for £20 delivered (norm £30). MSE Blagged. Also audiobook collections at The Book People. 24 craft beers for £45 via Advent calendar (norm £75). MSE Blagged. From breweries incl BrewDog, Sierra Nevada & Thornbridge. Technically a calendar, but more like the size of a crate. Beer Hawk Outfox the Market hikes energy direct debits by up to 40% - but you can easily switch. See Outfox hikes help. Christmas train timetables out now - with lots of cancellations. See your Xmas train rights. |
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| AT A GLANCE BEST BUYS
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| £5 off petrol/diesel + more tricks to drive down costs With pump prices near a 4yr high, we've top tips to put the brakes on soaring spending Supermarkets are gleefully shouting about their fuel price cuts, but don't celebrate just yet. The average price of unleaded is still 9p/L up on this time last year, and a whopping 21p/L higher than Nov 2015, while for diesel it remains near a 4yr high. To avoid costs hitting top gear, see our Cheap Petrol & Diesel guide - here are the highlights... New. Get £5 off £10+ fuel spend at Esso. Via app at about 500 stations, mostly in big towns & cities (not N Ireland). Ends Sat or when it's been used 16,000 times. £5 off fuelFind the cheapest forecourt near you in 0-60 (seconds). Prices vary widely - eg, in central Manchester we found unleaded 14p/L cheaper than at other garages nearby. So use a clever free tool to find the cheapest fuel. Drive for efficiency (easy does it). You can cut fuel consumption by up to 30% by changing the way you drive. See 7 ways to drive more efficiently. Take a load off to burn less fuel + more clever tricks to make your car efficient. Reduce weight and drag, and your car uses less fuel. This is just one of 5 ways to make your car fuel-efficient. |
| Ending. Cheap wills - don't leave your family in the lurch. Nov is Will Aid month, which lets you get a solicitor-drafted will for a suggested £95 charity donation - cheaper than some solicitors' £150ish fee. There's hardly anything left for the south of England, with limited availability in the rest of the UK, so go quick. Plus we've blagged up to 44% discounts on low-cost wills. CHRISTMAS SHOPPING SORTED - SUCCESS OF THE WEEK:"Thank you so much for sharing the Job Spotter app - in the last three weeks I've made over £50 in Amazon vouchers, which pays for Christmas." (Send us yours on this or any topic) |
| CAMPAIGN OF THE WEEK Volunteer to help with food donations at Tesco. Food poverty charity FareShare is organising food collections on Thu 29 Nov, Fri 30 Nov and Sat 1 Dec at Tesco stores across the UK. In one 3-hour shift you could collect enough for up to 600 meals. For more info & how to sign up, see the FareShare website. |
| THIS WEEK'S POLL How do you rate your energy provider's service? Winter's nearly here, the heating's on and while we're all about slashing energy bills, we know service counts too. So how do you rate your energy provider's recent service? Independent shops are the best places to haggle. Last week, we asked whether you've haggled on the high street in the last year. While 84% of those who tried their luck at smaller independent shops scored a discount, just 57% did at B&Q - the most haggle-friendly big brand. See the full high street haggling poll results. |
| MONEY MORAL DILEMMA Should I split flight delay compensation with my friend? We had a delay and I alone have been working for months to get compensation for both of us. Now I've been awarded money, she's demanding half. Should I split it? Enter the Money Moral Maze: Should I split flight delay compensation with my friend? | Suggest an MMD | View past MMDs THE QUICKIES - Debt-Free Wannabe chat of the week: 3 to 6 Month Emergency Fund Challenge |
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| MARTIN'S APPEARANCES (WED 21 NOV ONWARDS) Thu 22 Nov - Good Morning Britain, ITV, Deals of the Week, 7.40am MSE TEAM APPEARANCES (MOST SUBJECTS TBC) Wed 21 Nov - BBC Hereford & Worcester, Malcolm Boyden, from 10am, competitions |
| QUESTION OF THE WEEK Q: I want to switch to a cheaper broadband provider, but I'm worried about losing service. How long will I be without internet? Bob, via email. MSE Steve B's A: On the day of the switch you may temporarily lose service, but assuming all goes smoothly, this is usually only for a few hours. Often you don't need anyone to visit your property so if you time it right and do it when you're out, it shouldn't make a difference to you. Please suggest a question of the week (we can't reply to individual emails). |
| CHRISTMAS LIGHTS AT HOME... IN NOVEMBER? That's all for this week, but before we go... high streets and shopping centres may now be festooned in Christmas decorations and lights to get you to spend, but when's the right time to do it at home? Some at MSE Towers have seen their neighbours put up Christmas lights - is it still too soon, or are we being bah humbugs? Let us know in our Christmas lights forum thread. We hope you save some money, |
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