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Saved cash? Shout it from the rooftops.If this email's ever helped you, please forward it to friends and suggest they get it via moneysavingexpert.com/tips |
| Ending. Two broadband scorchers, incl CHEAPEST FIBRE SINCE AUG 1. 'Sky' fast fibre & line '£16/mth' - and existing Sky custs can get it 2. Standard speed & line '£10/mth' - cheapest b'band deal available
Ends Sat. 'Sky' fibre & line, '£16.67/mth'. Now is Sky's streaming service but it does b'band too. Use this Now Broadband* link (via comparison site Broadband Genie), to get up-to-38Mb fibre (twice standard speed) & line on a 12mth contract. Anyone who's never had a Now b'band or TV account is eligible, although only 83% of the UK can get it - our Broadband Unbundled tool checks if you can. You get... Don't qualify for these deals? Get fibre from £21/mth. Vodafone has up-to-38Mb fibre & line for £21/mth, Now has standard speed & line for '£11.67/mth'. Broadband Unbundled shows your cheapest deals. |
| Martin's warning to EVERY UK worker aged 22+. You're about to get a pay rise, but it may cost you. Read Martin's warning blog. Find the cheapest travel cash in seconds - more euros, dollars or dirhams for your pound. Get it wrong and you could lose £30 for every €200 changed. Our TravelMoneyMax tool compares 30+ bureaux to show the best rates. Ends Sat. 15mths' full breakdown cover for £43. We've blagged 15mths' AutoAid* cover for the price of 12, for £43.31, if you apply by Sat. Already a top pick, it covers you, your spouse, civil or common-law partner, in any car you drive. Similar AA/RAC cover can co st £100+ for 1yr. Full info in Cheap Breakdown Cover. After Facebook, how to check Instagram & Twitter privacy settings too - is your data being shared? Last week we showed how to protect your Facebook privacy given the data scandal it's embroiled in. This week, we've added Instagram and Twitter privacy help. It's back. £1.50 prosecco trick. Stack offers for this massively popular Sainsbury's deal. Min 6 bottles. How to get £1.50 prosecco. Pls be Drinkaware. FREE Pizza Express pizza, pasta or salad - but can you get it? No purchase necessary, and it's one per person, so a whole table can eat for free. Be warned as it's struggling with demand. How to grab a free Pizza Express |
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| Urgent. Just 9 days to pay in to a 2017/18 cash ISA - but should you? We used to shout at this time of year to use your cash ISA allowance - which for this tax year is £20,000 - as it's a normal savings account where you don't pay tax on the interest. But as virtually everyone can earn tax-free interest on normal savings now, the choice between this and ISAs isn't as clear-cut... The cash ISA advantage is there's no tax - but 95% pay no tax anyway. That's because the personal savings allowance lets basic-rate taxpayers earn £1k in interest tax-free (higher rate it's £500; top-rate payers get no allowance). That means they'll need £77k in savings (£38k for higher) before paying tax at current rates. So the tax advantage of cash ISAs only matters for big earners and those with large savings.Cash ISAs vs normal savings - which wins? For most, it's the best payer, regardless of ISA status. And as the table below shows, normal savings generally beat cash ISA rates hands down. The exception is in easy access, where Nationwide recently launched a deal equal to or better than top standard savings...
Potential first-time buyer? Get a 25% boost to your savings. This is a no-brainer for anyone who may one day want to buy their first home. In the Lifetime ISA and Help to Buy ISA, the state will add £250 per £1,000 saved. Click the links to find which is best for you. | |||||||||||||||
| McDonald's Monopoly - how to max the popular promotion as it returns. Incl free McNuggets, Big Macs, ice creams and cash. MSE's Coupon Kid Jordon Cox takes you through how to max your chances of a win. £1 small Easter eggs, three large eggs for £10. Supermarket round-up of cheep eggs. 170 plug plants bundle £10 all-in (norm £18). MSE Blagged. Or 680 for £20, eg, petunia, begonia. 4-8cm plants, 4,000 bundles avail. Jersey Plants Got a Help to Buy equity loan? Are you about to get charged interest on it? We explain how to cut costs in Help to Buy mortgage help. 10% off Poundshop, incl 90p for EIGHT posh Andrex 'quilted' loo rolls. MSE Blagged. Valid on everything at online pound store, incl 100 Typhoo tea bags. Delivery is £5 so only worth it for bulk buys. No bum deal Jobseeker? You could get a FREE railcard giving 50% off many fares. See railcard eligibility. |
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| AT A GLANCE BEST BUYS
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| Freebies galore - No7, Soap & Glory, doughnuts & more We uncover the hidden methods to bag completely free beauty products, food, electricals etc They say there's no such thing as a free lunch, but they also said the Earth was flat. You really can get free grub (at all hours), and lots more for nothing, so we've updated our guides with the hottest freebies around... New. Get free products if you test them - No7, Soap & Glory, electric toothbrushes & more. We've long explained how product-testing sites give freebies for your thoughts, incl meat, mascara, lotion and electric toothbrushes. But Boots now wants more testers for No7, Soap & Glory and more (which you'll get to keep). We think this'll be mega popular - though you're not certain to be included. See Top Product-Testing Sites.New. Free app searches multiple Freecycle & Freegle groups at the same time. People put unwanted items including unwanted electricals and furniture on these sites for you to grab for free. Joining several groups can yield the best freebies (especially if you've well-to-do neighbouring areas), but checking them all can be a faff. So we've found a handy Freecycle & Freegle combo app that lets you search lots of groups at once. Toni tweeted us about her haul: "Have had an ice-cream maker and a bread maker - I love me a bit of Freecycle." Can you get PAID to eat by going undercover as a mystery diner? No need for secret cameras. Restaurants such as Giraffe, Wagamama and Leon need guinea pigs to test their service. You usually get back what you spent and sometimes a little more - though spaces are limited. MoneySaver Nicola had great success: "In just a couple of months, I've had lunch and two £35 dinners for free - I love it." How to become a mystery diner Free KFC, coffee etc via loyalty schemes and apps. You really can get a free lunch. So fill your boots - and stomach - at fast food joints, cafés, restaurants, supermarkets and more in our How to get free (or cheap) food guide. Get easy, short-lived freebies incl doughnuts, dog microchipping and, er, mackerel. We include the best each week in this email - current corkers incl free Krispy Kreme doughnut, dog microchipping, tin of mackerel and, on your birthday, £5 at Body Shop. And the forum's Freebies (no spend) board has thousands of fans swapping tip-offs. |
| 100+ free or cheap things to do with the kids this Easter. Egg hunts, free museums, 2for1 theme parks and loads more cracking Easter treats. Halifax mortgage blunder hits customers' credit files - but we've seen £500 compensation. It's wrongly claimed some homeowners missed payments for FIVE YEARS. Full info and help in Halifax blunder. DON'T AUTO-RENEW YOUR INSURANCE - SUCCESS OF THE WEEK 2for1 Alton Towers, Legoland, Thorpe Park, Sea Life etc. Via £3ish Kellogg's cereal. Theme parks |
| THIS WEEK'S POLL How far have you climbed up the property ladder? UK house prices have risen seven times faster than the average young worker's salary since the 1990s, making homes far less affordable than they used to be, especially for young people. How far have you climbed up the property ladder? Almost HALF of those aged 65+ haven't financially prepared for their funeral. Unfortunately death is inevitable, so last week we asked if you've planned how to finance your funeral (which can cost upwards of £5,000). Over 8,700 responded, and perhaps shockingly, 43% of women and 46% of men aged 65+ have done NOTHING to financially prepare. Unsurprisingly, almost 70% of those under 25 consider themselves 'too young to think about it'. See full funeral planning poll results. |
| MONEY MORAL DILEMMA Should I stop donating to disgraced charities? I've always tried to give as much as I can to charity, but since the recent scandals I've been wondering whether I should boycott organisations that have admitted wrongdoing - or should I just carry on donating as the money will help people overall? Enter the Money Moral Maze: Should I stop donating to disgraced charities? | Suggest an MMD | View past MMDs THE QUICKIES - Debt-Free Wannabe chat of the week: Emergency fund vs debt payoff |
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| MARTIN'S APPEARANCES (WED 28 MAR ONWARDS) Thu 29 Mar - Good Morning Britain, ITV, Deals of the Week, 7.40am MSE TEAM APPEARANCES (MOST SUBJECTS TBC) Wed 28 Mar - BBC Cumbria, Money Talks with Ben Maeder, from 6pm |
| QUESTION OF THE WEEK Q: Three years ago I was wrongly billed by my broadband provider so I didn't pay it. I eventually got a credit for the full amount billed, but in the meantime it issued a default notice that is still showing on my credit report. Can I get rid of it? Damien, via email. MSE Steve B's A: You can - and should - fight it as the default can harm your chances of getting future credit. First complain to the broadband company to ask for it to be removed, explaining why. If it refuses, you can refer the complaint to the Communications Ombudsman for it to adjudicate. This process can take months so if you need to apply for credit soon it's worth also writing to the credit agencies on whose files the default appears for them to apply what's called a 'notice of correction'. Please suggest a question of the week (we can't reply to individual emails). |
| ONE BAR IS SELLING COGNAC FOR £10K... A SHOT. SO WHAT'S YOUR WORST BOOZE RIP-OFF STORY? That's all for this week, but before we go... we came across a shot of cognac that cost £10,014 that we just had to share on Facebook - we hope it was tasty for such a price. We've had loads of replies about £15 pints and £22 for two cognac hot chocolates. Tell us your beverage rip-offs in our overpriced booze Facebook post. 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 Financial Conduct Authority (FCA) Note MoneySupermarket.com Financial Group Limited is authorised and regulated by the Financial Conduct Authority (FRN: 303190). The registered office address of both MoneySupermarket.com Group PLC and MoneySupermarket.com Financial Group Limited (registered in England No. 3157344) is MoneySupermarket House, St. David's Park, Ewloe, Chester, CH5 3UZ. 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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