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DON'T believe the fake ads on Facebook |
New. Get FREE £37.50 of Nectar points and (if you need it) the joint-LONGEST 0% spending credit card Sainsbury's Bank has boosted the offer on one of its credit cards, which includes freebies to entice you in. You can play the game and just use it to grab them if you want, yet if you will need a credit card to borrow on, it's also the joint-longest 0% for spending card, making it a double boost... Free £37.50 to spend at Sainsbury's. Accepted new Sainsbury's Dual Card (eligibility calc / apply*) customers get 750 bonus Nectar points (worth £3.75 to spend at Sainsbury's, as each one is worth 0.5p there) for every £35+ spent at the supermarket in the first 2mths. That's up to a max 7,500pts via this promo, worth £37.50 if redeemed in Sainsbury's - on top of the normal 2pts per £1 spent at Sainsbury's (1pt per £5 elsewhere). It's also the joint-LONGEST 0% card. A 0% spending card is one that allows you to borrow on it whenever you need to and pay no interest for a set time. While cheap, it's dangerous to just borrow willy-nilly. If you're only using it for the 0% period, we strongly suggest you use these cards for budgeted, one-off borrowing, where you plan and can afford the repayments (eg, replacing a faulty fridge). Do it wrong and you'll get burnt. Will applying hit my credit score? A full application leaves a mark on your credit file, which is trivial unless you do lots in a short time or are about to make an important credit application, eg, a mortgage. But use our free eligibility calc to see your chances of getting the Sainsbury's and most other top cards, without affecting your score (though we can't check Post Office or Virgin). 0% Card Golden Rules. Full info and top picks in 0% Spending Cards (APR Examples). |
£4.75 for unsold M&S, Next, River Island shoes, clothes & more. MSE Blagged. Discount retailer sells de-tagged high street + non-branded clothing. Everything is normally £5 plus delivery from £3.95. Our code gets it for £4.75 all-in until Sun (sometimes for even less, as it can be used on sale items). Everything5pounds New. Top 1yr 2.1% fixed savings - the best we've seen since Aug. If you're happy to lock away cash for the year, Aldermore* now pays a fixed 2.1% AER (min £1k). Full info and more deals in Top Savings. Will your mobile network still offer 'free' EU roaming after Brexit? See Roaming alert. Valentine's Day deals, incl £20 for 12 couriered roses, £3.50 mug, £1.49 personalised card. The week before (ie, now) is the big one for offers, but don't overspend. See all Valentine's Day deals. Free £100+. Now SIX banks pay you to switch. This fine harvest won't last long (it was seven deals and one ended last week). Top picks include NatWest/RBS free £150 + 2% cashback | First Direct £125 + top service | HSBC free £150. For a full breakdown, see our Best Bank Accounts guide. Is peer-to-peer lending riskier with Brexit? It looks like savings but smells like investing. If you are considering putting money in, or have done, it's worth knowing the risks, especially with Brexit looming. See Peer-to-peer help. |
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'I reclaimed packaged bank fees via MSE's tool - in just a week I had £2k' 100,000s were mis-sold over many years - reclaim for free and never use a claim firm
Let Linda's story be your inspiration: "I sat in bed and read your Mis-sold Packaged Bank Accounts guide. I thought 'nothing to lose' so I used your tool. In a week, I had £2,015 put in my account. I'm in shock, thanks. Here's to being debt-free, you guys are fantastic." Our Free Packaged Bank Account Reclaim guide and tool has full info, here are the key points... Do you need a packaged bank account? The key is whether you need the insurance and whether you can get it cheaper elsewhere. If the insurance is right for you, think of the costs yearly, so £15/mth is £180/yr. That makes it easy to compare against annual insurance costs.Cancel NOW if the account is not worth it. Then switch to a fee-free account and earn up to £150 upfront for doing so. Doing this doesn't affect your claim if you were mis-sold. See Top Standard Bank Accounts. Check if you've been mis-sold. Banks needed to check cover was suitable in the first place. If you weren't eligible for the insurance (eg, you were too old for travel insurance), you were wrongly told you had to have your packaged account, or you were "upgraded" without your permission, then you were mis-sold. See the full mis-selling checklist. If you were mis-sold, it's easy to reclaim for FREE (never use a claims firm). Our Packaged Bank Account Reclaim tool merges our template letters and experience with Resolver's technology. Enter your details and it helps draft the complaint, sends it, keeps track and escalates it to the ombudsman if necessary. |
Should you equity-release? Martin's 5-min guide. If you own your home, you could borrow some of the cash locked in it. There was a 30% rise in this type of lending last year. Is it for you? See Martin's Equity Release guide. TV licence fee to rise in April - who needs one? Rules have changed, so more do now. Do you need a TV licence? Bargain weekend break finder, eg, Nice for £69pp. New weekend-specific comparison tool finds cheap flight and hotels combos. Is it any good? See weekend break finder. Ends Sun. Get 5p/litre off Tesco petrol & diesel. Useful with prices almost 20% up on 2016. Cheap fuel Earn £15 Amazon/M&S vouchers doing quick online surveys. MSE Blagged. Popular MSEers' site where you're paid to fill in surveys and do online searches. Swagbucks FREE Halfords winter car check. Battery, bulbs, wipers, oil check and screenwash top-up. Free car check |
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AT A GLANCE BEST BUYS
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Flog your unwanted clobber for cash, eg, £145 for Hunter wellies We're in the midst of a decluttering frenzy, which many put down to Netflix's declutter-encouraging show Tidying Up With Marie Kondo. As we reported last week, it's meant charity shops are overflowing with donations, though of course another option is to sell stuff for cash. So why not go through your home and ask: "Have I used this in a year?" If not, consider flogging old Walkmans, books, DVDs, clothes etc. Here are some tricks to help you get max cash from your cast-offs... New. eBay selling tricks, incl wait till March if listing heaps. The biggie is online goliath eBay, so we've 40+ eBay Selling Tricks to help, eg, end listings at the right time and use cheap fee weekends. As forumite Hime found, one person's trash is another's treasure: "I sold a pair of Hunter wellies someone dumped outside my sister's house. They were high-heeled lace up things and spotless. I put them on eBay and got £145."If selling lots of stuff, be aware you can currently list 20 items a month for free (though eBay takes 10% of the final price). But from 3 Mar, this is boosted to 1,000 items. Sell for FREE on Facebook. Facebook is fast taking over from eBay as the place to sell and there are NO fees. Our Facebook Selling Tips guide includes what to sell on Facebook vs eBay and safety tips. New. 10 tricks to make a mint at car boot sales. If you love the atmosphere of a car boot sale and/or fancy making some cash from one, we've tips on when to go, what to take, how to haggle and more in 10 car boot tricks. Turn your phone into a barcode scanner to find what old books/CDs etc might be worth. Got something with a barcode such as a book, DVD, CD or something still in its packaging and want to know its worth before selling? We've a trick to see instantly what identical items have fetched on eBay. Phone barcode scanner Flog old mobiles for up to £500. While you normally get more on eBay, it's usually easier via mobile-reselling sites, eg, £485 for a 64GB iPhone X. Plus specialist sites often test them & sell them on in the developing world at reasonable prices. See how to sell old mobiles. What will charity shops accept? As we've said, many charity stores have seen a surge in donations, and if you want to get in on the act too, first check what charity shops will actually take. |
FREE £16 Wedding Show tickets. 500 pairs of tix for The National Wedding Show in London (15 Feb) and 500 pairs for Birmingham (1 Mar). National Wedding Show £500 STUDENT LOAN RECLAIM IN 5 MINS - SUCCESS OF THE WEEK: "Thanks to you I just called the Student Loans Company and have been told I'm due a refund of over £500 - not bad for a five minute call."(Send us yours on this or any topic.) |
THIS WEEK'S POLL Which stores' gift cards do you value most? Imagine a friend offered to sell you a perfectly valid £100 gift card which doesn't expire for two years - what's THE MOST you would be willing to pay for it? Which stores' gift cards do you value most? Remainers and Leavers are split over how Brexit will affect their personal finances. Last week, we asked how you think Brexit will affect your finances - over 8,800 responded. Perhaps unsurprisingly, MoneySavers who voted remain were more pessimistic, with 74% believing they'll be worse off, compared with just 21% of those who voted leave. Few of any persuasion expect a Brexit boost to their wallet though - only 17% who voted leave and 3% who voted remain think they'll be better off. See full Brexit poll results. |
MONEY MORAL DILEMMA What should I do with forgotten change? Sometimes when I use a supermarket self-service checkout, I discover a previous customer (no longer on the premises) has omitted to collect their change. Should I leave the money where it is, alert a shop supervisor, pocket it or give it to charity? Enter the Money Moral Maze: What should I do with forgotten change? | Suggest an MMD | View past MMDs THE QUICKIES - Debt-Free Wannabe chat of the week: Birthday and Christmas Planning Club |
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MARTIN'S APPEARANCES (WED 6 FEB ONWARDS) Thu 7 Feb - Good Morning Britain, ITV, Deals of the Week, 7.40am MSE TEAM APPEARANCES (MOST SUBJECTS TBC) Wed 6 Feb - BBC Radio Cumbria, Money Talks with Ben Maeder, from 6pm, mobile money-saving |
QUESTION OF THE WEEK Q: My car insurance is about to expire, but I was recently involved in a car accident. Do I need to renew with the same insurer if I make a claim? Jackie, via email MSE Tony's A: The simple answer is no. Even if you claim after renewal (say, if the accident happened the day before), you can make the claim with the original insurer and switch to any insurer you want afterwards. Whether you claim or not, you must still declare the incident to your new and existing insurer. Be warned that it could put the price of the renewal up compared to what it would have been had you not had the incident. This makes it even more important to do a full comparison before getting a new policy, to ensure you get it as cheaply as possible. See our Cheap Car Insurance guide for how to bag the best deal. Please suggest a question of the week (we can't reply to individual emails). |
POP THE QUESTION FOR JUST A QUID? That's it for this week, but before we go... "I'll go £200", "It's looking like a 20p machine ring to me", "Let's meet in the middle... £500". That's just some of the reaction MSE Jordon got when he asked the public how much they thought Poundland's £1 engagement ring costs. But do you agree with them? Check out the video and let us know. 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 admiral.com, aldermore.co.uk, aviva.co.uk, comparethemarket.com, confused.com, directline.com, gocompare.com, hsbc.co.uk, moneysupermarket.com, sainsburysbank.co.uk, santander.co.uk 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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