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| DON'T believe the fake 'Martin Lewis' or 'MSE' ads |
| 4 tips to get a grip on your state pension, including...
- Reached state pension age on or after 6 April 2016? The maximum new state pension is £185.15 a week. - Reached state pension age before 6 April 2016? The maximum basic state pension is £141.85 a week. Yet some people will get less than this and some will get more. If you're not yet at state pension age, check your state pension forecast to see how much you're on track to get. And whether you're yet to claim or already claiming, read on to see whether you can boost your (future) amount. Aged 45 to 70? Can you turn £800 into £5,500 by paying to boost your state pension? State pension payouts are based on the number of 'qualifying national insurance years' you have. Most people acquire these while working or when getting NI credits (for example, for bringing up children). But if you've 'gaps' in your NI years record, you can often pay £100s to fill them, which could mean £1,000s of extra pension. Use our Step-by-step state pension top-up guide to check if it's right for you. Already claiming state pension? URGENTLY CHECK if you qualify for a £3,300/yr top-up. It's a national tragedy that there are around 800,000 people who qualify for pension credit but aren't currently claiming it. If you've reached state pension age and have an income less than £190 a week, it's worth checking whether you qualify - the average payout's about £3,300 a year. Plus, claiming pension credit entitles you to other boons, such as the £324 cost-of-living payment, a free TV licence, council tax reductions & more. Check if you're eligible in Pension credit. Around 230,000 women have been underpaid state pension. Check if you're one - you may be owed £10,000s. Due to errors with the Department for Work and Pensions' computer systems, some women who hit state pension age before April 2016 - mainly married women (including widows and divorcees), and over-80s (whether married or not) - are being underpaid. Some affected women will get an automatic payout, but not all will. Find out if this affects you and how to get what you're due. PS: Find lost pensions to top up your retirement income. This isn't about the state pension, but it's worth checking if you have any pension pots you've forgotten about from old jobs. |
| £2 off pumpkins, £1.50 off Nestlé cereal, Sainsbury's £15 off £60 - it's our October coupons update. See our latest list of 50+ supermarket coupons. Ends 11.59pm Thu. Cheapest 200Mb broadband we've ever seen - just '£18/month'. MSE Blagged. Newbies can get this eye-wateringly fast Virgin Media 213Mb broadband & line deal for £23.95/month, with an automatic £100 bill credit (so nowt to pay for 4 months, unless you make calls). Over the 18-month contract, it's equivalent to £18.40/month - we've only ever seen it this cheap twice before. Available to 55% of homes. Not in your area / just want the cheapest deals? Use our broadband comparison. FREE £200 bank switch cash, FREE Greggs, FREE wills & 15 more freebies. It was mega-popular last week, so if you missed it, do follow the links - there's everything from cash to sausage rolls. Freebies, freebies, freebies 'I'll earn £380 in extra interest on my savings this year.' Our success of the week comes from Amy, who listened to Martin on the radio and was inspired to ditch low-interest savings. With easy-access accounts paying up to 2.75% and fixes from 4.5%, Amy said: "Our savings were split across one ISA and three other accounts with rates as low as 0.15%. We've now switched and - if amounts and rates stay the same - we'll earn an additional £386 a year in interest. Two hours well spent. I'll be banging the drum for friends and family to do the same. Thank you so much." If we've helped you save money (on this, or anything else), please send us your MoneySaving successes. FREE jacket potato & beans at Morrisons cafes. Normally £5. See how to get it in Morrisons deals, and please spread the word to others who'd appreciate the help. They're back. Boots 'Star Gifts': £138 of No7 skincare for £41. Many MoneySavers wait for these Star Gift deals each year - and this set's currently reduced from its normal price of £85. No7 skincare It's beginning to look a lot like... cheap Christmas train tickets are now available. Some advance fares for the festive season are now on sale - see how to track down cheap Christmas fares. 3 months' free access to 6,000+ magazines & papers, including Hello, The Guardian, Gardeners' World. MSE Blagged. For Readly newbies. Mag-nificent Tonight (Tue 8pm), ITV - The Martin Lewis Money Show 10th BIRTHDAY special. Over to Martin: "An uplifting, must-watch show for our birthday. As well as debt help and urgent ways those over 45 can boost their state pension, we'll be showing some of the biggest-ever successes over our decade. Lots to get in, and lots of your questions to answer. PS: I've also the new The Martin Lewis Podcast via BBC Sounds." |
| 'I saved £400 using the revolutionary MSE Car Insurance Compare+ tool' Check now if you too can save - even if not at renewal Motorists are now paying an average of £70 more for car insurance than this time last year, according to comparison site Confused. But you don't need to just accept higher prices - see if you can save with our tried and tested cost-cutting system. It's been in our car insurance guide for years, but a few months ago we souped-up that system with our Car Insurance Compare+ tool. Ben used it, and emailed us with his saving: "Last year I paid £1,062 for car insurance. But this year, following your tips & tricks and using your revolutionary car insurance tool, I'm happy to report my new quote is £659 - a whopping £403 saving. Nothing had changed, it's the same car. So thank you very much." Here's how it works... Fill in one form and we give you quotes, plus our tips to cut costs further. Use Car Insurance Compare+ and you...- Fill in one questionnaire. We've borrowed MoneySupermarket's (we're part of the same group), so if you've used it before, your answers can be auto-filled. - Get MSE cost-cutting tips as you answer. Such as our 'best time to buy car insurance' analysis, which can tell you if waiting a day or two to get quotes is likely to give you cheaper prices. - See your cheapest insurers from the comparison as a benchmark. But of course we want you to beat them... - Personalised tips to try for an even bigger saving. These include whether you should look to add an additional driver or to try multicar policies - and some have one-click checks so you can easily find out if they work for you. - Whether other sites can help slice down your costs even more. We assess if Direct Line (which isn't on comparisons) is likely to be cheaper for you, and give you our latest comparison site order of others to try, as MoneySupermarket may not be your cheapest. Not at renewal? DO check if you can save by switching mid-term. Even with rising prices, you may still be able to save. So even if your renewal's not for months yet, do take a few minutes to check if you can find a cheaper deal. If so, you can usually cancel an expensive policy mid-year. As long as you haven't claimed, you'll likely pay a £50ish admin fee (factor that in) and get the rest of the year refunded. Use Car Insurance Compare+ to check quotes now. |
| On tax credits? Second £324 cost-of-living payment due from Wed 23 Nov. See how to check if you qualify and how it's paid in cost of living payments. Amex cardholders - check if you can get £5 off Co-op, £50 off BA & Selfridges and more. We've rounded up our picks of Amex's latest cashback offers - plus see more ways to boost rewards in American Express tips & tricks. Ciaté nail polish Advent calendar for £35 via code (worth £125). MSE Blagged. For a daily treat in the run up to Christmas, or split 'em up to give as gifts. 2,500 available. Ciaté Advent code Ends Monday. 15GB data Sim just '£4.62/month' - cheapest we've seen for this amount of data. MSE Blagged. Until Mon 31 Oct, newbies to Lebara (uses Vodafone's network) can get a 15GB/month Sim with unlimited mins & texts for £1.34/month for the first six months, then £7.90/month - so an average £4.62/month over a year. Yet it's a one-month contract, so you can cancel at any time. Or, Lycamobile (uses O2) also has a 15GB/month Sim for an equivalent £4.62/month that ends on 31 Oct, but it doesn't offer Wi-Fi calling, or 5G signal on iPhones. Want less/more data, or a new phone? Use our Cheap Mobile Finder. 24 craft beers for £28 delivered (normally £69). MSE Blagged. For Flavourly newbies only - 1,000 boxes available. Hop to it. (Please be Drinkaware.) Sainsbury's Bank slashes Nectar points earned on credit card spending from next week. From Tue 1 Nov, cardholders will get just one point per £2, down from two points per £1. Here's what's happening - and alternatives Poll: The MSE Annual Census. Every year we want to know "Who are MoneySavers?" And we reckon the politest way to find out is just to ask. So please fill in the ninth MSE Annual Census. |
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| AT A GLANCE BEST BUYS
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| THIS WEEK'S POLL The MSE Annual Census. So who are MoneySavers? For the ninth year running, rather than data mining, we reckon the politest way to find out is just to ask. Plus, we think you may like to find out a little bit more about who else uses this site (or more accurately, who uses this site and answers the polls). So please fill in the ninth MSE Annual Census. Two-thirds of MoneySavers use less than 2GB of mobile data each month. Last week, we asked how much mobile data you use - over 3,500 of you responded. Overall 63% said they use less than 2GB a month - though younger MoneySavers were more data-hungry, with 43% of under-25s using 10GB+ each month. See full mobile data poll results. |
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| MONEY MORAL DILEMMA Is it fair for my parents to penalise me for not having children? My parents are making their will, and have told me that they're splitting their assets equally between my brother, his two children and me - so we each get 25%. I'd assumed they would split them equally between me and my brother, and then we could reallocate them as we saw fit. As it is, it feels like my parents are penalising me for not having children, while rewarding my brother for having them, which seems unfair. It'll be difficult to tell my parents how I feel, but should I say something, or respect their wishes? Enter the Money Moral Maze: Is it fair to penalise me for not having children? | Suggest a Money Moral Dilemma |
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| MARTIN'S APPEARANCES (WED 26 OCT ONWARDS) Tue 1 Nov - This Morning, phone-in, ITV, 10.20am MSE TEAM APPEARANCES (SUBJECTS TBC) Tue 1 Nov - BBC Radio Cambridgeshire, Mid-morning with Jeremy Sallis, from 10.45am |
| SCARY MAKE-UP, HOMEMADE BLOOD AND OLD WHITE SHEETS... YOUR FREE OR CHEAP HALLOWEEN IDEAS That's all for this week, but before we go... MSE Laura F frightened friends last year by using make-up to draw a second set of eyes, nose and mouth on her face. Simple, cheap... and actually terrifying! So this year she asked MSE Forumites for their free or cheap Halloween ideas. One said dressing as a shadow, all in black with tights over your head, works well, while other options included toilet-paper mummies or a black bin-bag dress to achieve that witchy look. And homemade blood just needs syrup, food colouring and cocoa. Yet the classics are often the best - such as the simplicity of eye holes in an old white sheet to turn you into a ghost. Tell us your frightening (& frugal) tips in the Cheap Halloween costumes MSE Forum discussion. 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 sainsburysbank.co.uk, uk.virginmoney.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. |
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