MoneySavingExpert's Money Tips Email

There ain't no such thing as a free lunch, unless we tell you about it in the MSE weekly email that is. In these tough times, we wanted something a bit lighter, so we've pulled together as many top freebies as we can find. Some are just a quick click and grab, others need a bit of work. We hope you enjoy them...

Free Greggs bake/sausage roll & hot drink (normally up to £4). See how to get this and lots more ways to nab free food.
FREE £200 cash for switching banks. Currently six banks pay you to switch to them. A full bank-by-bank review and crucial eligibility info for all offers is in Best bank accounts, though these are the top few deals...

There's a FREE £200 with Nationwide's FlexDirect* and 5% AER fixed interest for a year on up to £1,500 (worth up to £75). There's also a FREE £175 from First Direct's 1st Account*, which is top rated for customer service.

Or, there's a FREE £175 from NatWest Reward* and, until 5pm Thu, a FREE £175 from RBS Reward*. Both also give monthly cashback worth up to £36/year.
Use supermarket coupons to get free £13 dog food, £2 Lindt choc, £1 crisps and more. Our regularly updated list of 40+ supermarket coupons can provide reductions and occasionally freebies too. Scan down the list to see the current offers.
New. FREE £150 at Amazon (or £264 at Sainsbury's) PLUS £10/month Deliveroo cashback PLUS four airport lounge passes. Newbies signing up to the Amex Preferred Rewards Gold* credit card (best to check your odds of being accepted first) can bag freebies. Read full info in our Amex FREEBIES help & analysis, but in brief...

- 2 x £5 Deliveroo cashbacks per month (worth up to £120/year).
- Four free airport lounge passes per year (worth about £50 each).
- Enough points to get a £150 Amazon/M&S gift card or £264 at Sainsbury's. If you spend £3,000 within the first three months, you get 30,000 bonus rewards points. The points can then be converted into vouchers (and, via a trick, converted into more Nectar points). While the £3,000 spend is hefty, it's doable for many, especially in run up to Christmas and if you put all family & supermarket spending on it (not an excuse to overspend).

The card is fee-free in year one, but £160 a year after, so diarise to cancel before year two if you don't want to pay. Plus only do this if you can repay IN FULL each month, or it charges 26.6% rep APR. Full help, eligibility info and more options in Credit card rewards.
Free Burger King cheeseburger or fries. Sign up to Burger King's loyalty scheme and get 200 points which you can use immediately for a free £2ish cheeseburger, hamburger, regular fries or drink.
Stoozing is back. How to make £100s. Stoozing is the art of manipulating 0% credit card deals with the sole aim of making profit. See our Stooze, but don't lose mini-briefing.
Free solicitor drafted wills. Two charity-based schemes - Free Wills Month and Will Aid - are running throughout October and November, meaning you could get a gold standard, solicitor-drafted will in return for a charity donation or bequest. See more about the schemes in our Free or cheap wills guide.
Free £20 shower heads & other water-saving gadgets. Cutting water use is socially responsible and can lower bills if you've a meter. Plus it can save on energy costs too. See how to grab free water-saving gadgets.
Get paid to spend online - from fragrances to flights, trainers to travel insurance. Buy online or sign up to a product, and cashback websites may pay you for clicking through them. Don't let this dictate what you buy though, see it as a nice bonus rather than a certainty, as cashback's never guaranteed. For need-to-knows and the best payers, see Top cashback sites.
Free £30 Amazon voucher for doing quick online activities. Ever popular with MoneySavers, Swagbucks is free to join and rewards you for online activities such as surveys, gaming and more. Newbies who go via our MSE Blagged link can get a free £20 Amazon voucher when you earn your first £10.
Freebies for babies - shampoo, toys, clothes & more. There's lots of free stuff out there - retailers are super-keen to bag new parents' custom with promos. Plus in Scotland, the Government gives parents of newborns a free heavy-duty cardboard crib filled with other freebies. Full info and lots more in our baby freebies rundown.
Get PAID £20 to check your credit report & score. There are three credit agencies which hold credit reports on you: Equifax, Experian and TransUnion. Lenders use all of them, so it's best to check all three at least once a year. And there's no time like the present, as you can currently earn about £20 for doing so.
Grab a free tea or coffee at Ikea. If you're heading to Ikea from Monday to Friday, you can get a free £1 tea or coffee when you scan your Ikea loyalty card (it's free to sign up) at the checkout.
Free postcode lotto with a £200+ daily prize, which rolls over too... one MoneySaver even won £2,500. It sounds too good to be true, but it's legit and costs nothing as it's funded by ads. See free Pick My Postcode lotto.
Free iron, make-up, crisps and more via 'freebies for feedback' sites. These sites can give free goodies when you test products or give reviews. What you get varies, but Forumites have grabbed everything from irons to make-up, crisps to cat litter. Our updated Top product-testing freebie sites guide shows how. It's not a dead cert, but fun to try.
Free Odeon cinema tickets, Greggs hot drink & more via O2's loyalty app. We've full info plus what other firms are offering in Mobile provider rewards.
Free audience tickets for popular TV shows. Including The Martin Lewis Money Show (the show that won Martin a National Television Award last week - congrats, boss). Plus see The Masked Singer, The Graham Norton Show and more live. See where to register online.
Watch 100s of box sets and films online for free, including The Imitation Game, Paddington and Luther. Our TV MoneySaving tips & tricks show you how to watch completely free, even if you've used up all the free streaming trials available.

DON'T believe the fake 'Martin Lewis' or 'MSE' ads
Lots of scam ads litter social media and even newspaper websites - some of these lie that we or Martin promote Bitcoin, binary trading etc. See Fake ads warning.

Martin: Cash ISAs are finally getting nicer (nisa?)
Cash ISA rates can now pay 4.3%, so many can up their interest, but for some they're a waste of time. Should you USE 'em or LOSE 'em?

The top cash ISA rates are up. Good news for the millions with money in these tax-free savings accounts, who should therefore transfer their often poorly-paying cash ISAs to a higher payer. Yet even with rate rises, many who have cash ISAs should ditch them. Let me take you through first whether an ISA is right for you, and if it is, how to boost your rate.

The big question - do you pay tax on your savings interest? The personal savings allowance (PSA) was launched in 2016, meaning for basic (20%) taxpayers, the first £1,000/year of interest in any savings is tax-free. For higher (40%) taxpayers, it's £500 tax-free, and top 45% taxpayers don't get a PSA. So for years, with low savings rates, few have paid tax on any savings interest. Yet now, look at this graph...
As interest rates have risen, you now need far less in top savings before you pay tax. At one point, over two hundred grand was needed. Today, for basic taxpayers it's £20,000 in the top 2yr fix, £39,200 in easy-access - and halve that for higher-rate taxpayers. And this is where cash ISAs come in...

A cash ISA's just a savings account where interest is NEVER taxed. Neither does the interest count towards the PSA. You can put £20,000 in per tax year (so until 5 April), and then once in, it stays tax-free year after year. So if you're over the PSA limit, cash ISAs are a winner, but for everyone else, as they tend to pay less than normal savings, there's LITTLE POINT IN A CASH ISA UNLESS YOU'LL PAY TAX ON OTHER SAVINGS...

Below I've lined up the top payers against each other. It's worth noting if you've had a cash ISA for years and aren't planning to use the money soon, fixes pay a lot more...

Top normal savings vs top cash ISAs *All accounts below have the full UK £85,000* *savings safety* *guarantee*
	Top standard savings	Top cash ISAs
Easy-access	- Skipton BS 2.55%* (min £10,000, max 2 withdrawals a year). If you pay tax on interest, it's equivalent to 2.04% at basic rate \| 1.53% higher rate \| 1.4% top rate - Zopa 2.15% (min £1, app-only)	- Coventry BS 2.25% (min £1, max 6 penalty-free withdrawals per year)
1yr fix	- JN Bank 4.75% (min £100). If you pay tax on interest, it's equivalent to 3.8% at basic rate \| 2.85% higher rate \| 2.61% top rate	- Shawbrook Bank 3.9%* (min £1,000) - Santander 3.7%* (min £500) + £50 voucher if you transfer in £10,000+ of existing cash ISAs. The voucher is for Amazon, Aldi, Tesco or others. Factor this in and it WINS for £10,000-£25,000 of cash ISAs
2yr fix	- JN Bank 5% (min £1,000). If you pay tax on interest, it's equivalent to 4% at basic rate \| 3% higher rate \| 2.75% top rate - Kent Reliance 4.75% (min £1,000)	- Kent Reliance 4.3% (min £1,000) - Santander 4.2% (min £500) + £50 voucher if you transfer in £10,000+ of existing cash ISAs. The voucher is for Amazon, Aldi, Tesco or others. Factor this in and it WINS for £10,000-£24,000 of cash ISAs

Already have cash ISAs? Transfer to a top payer. Check what you're earning right now. If it's less, apply for a new cash ISA. Usually as part of the application, you'll be asked if you want them to transfer your existing cash ISA over for you (don't just withdraw the cash to move it, then it loses its 'cash ISA' status).
Don't pay tax on savings? Most should ditch existing cash ISAs. I know for years until 2016 many had it drilled into them (often by me) that cash ISAs were nicer - but now people need deprogramming. If you don't and won't pay tax on savings interest, then just focus on the higher rates in normal savings, with two exceptions...

- If you're close to paying tax on savings. If you're near the limit, as interest rates are likely to keep rising, keeping money in cash ISAs now can protect you from future tax.
- You want to be able to withdraw from fixed cash ISAs (unlike normal fixes). Though there are big interest penalties.
Some can boost interest further. Specialised accounts can pay even more if you qualify:
- 50% bonus for many on universal credit or tax credits. See Help to Save.
- 25% bonus for first-time buyers aged 18 to 39. See Top Lifetime ISAs.
- Earn up to 5.25% on smaller amounts if you save monthly. See Regular savings.
- Earn 5.12% on smaller savings. See Current account savings.
- Prefer to invest? Higher returns, but more risk. See Stocks & Shares ISAs.

£50 No7 Advent calendar gives £184 worth of beauty & make-up. Including moisturisers, mascara and more. Plus our MSE Blagged code gives 2x Advantage Card points on it till 11.59pm this Wednesday. Boots' No7 beauty calendar

New. FREE £50 investment - just put in £50, get £50 cashback. (10,000 available). Robo-investment firm Wealthify gives newbies £50 cashback after 12 months on £50 invested. So open an account, then put your £50 in and wait - even if your investments flop, at worst you pretty much break even. Full info in Robo-investing cashback.

Netflix new £4.99 'with ads' monthly plan. Full details including how many ads, how does it compare and more in our Netflix goes commercial analysis. Related: 20+ streaming savers.

The mini-budget undone: What happens next?
On Monday, the new Chancellor reversed most mini-budget measures. These are the key personal finance impacts:

- Energy price guarantee ends in April. Prices likely to rise substantially, with 'targeted help' instead. See Energy - what next?
- No income tax cut, but Nov national insurance cut remains. Our Income Tax Calculator shows how this affects take-home pay.
- Stamp duty cuts in England & Northern Ireland stay. Use our Stamp Duty Calculator to see what you'll pay.
- And what now for fixed mortgage rates? Will these changes see them start to drop? Our analysis.

'Massive thanks, your energy direct debit calculator got my payment reduced by £200 a month.' This week's success of the week comes from Ron, who emailed: "I'd previously asked for a reduction of an unexplained energy direct debit rise to a ridiculously high amount, which was refused. Armed with the energy direct debit calculator result, quoting your advice on the energy retailers' code, and threatening to go to the Energy Ombudsman, I got a reduction from £468/month to £254/month, and a promise to refund £400 credit." Send us your MoneySaving successes, on this or anything else.

131 flowering bulbs for £15 delivered (£70 separately). MSE Blagged. 6,000 bundles available, but it doesn't deliver to Northern Ireland or parts of Scotland. Thompson & Morgan

Get 'PAID' to recycle old clothes, make-up, phones and more. It's National Recycling Week (rescheduled from last month), and there are ways to earn while you do your bit for the environment. Incentives include £5+ for old clothes, 'free' MAC lipstick, £296 cash for an iPhone 11 (256GB) and more recycling rewards.

New. Top 25 months' 0% spending card now pays £20 cashback. We prefer you don't borrow, but if you need to, ensure it's for a one-off, planned-for purchase. The cheapest way over the medium term is a 0% credit card, and the longest card, Barclaycard's up to 25 months 0%* (use our eligibility calculator to see your acceptance odds), now gives accepted newbies £20 cashback if spending £250+ within 90 days. Golden rules: 1) Always pay at least the minimum monthly payment. 2) Never withdraw cash. 3) Clear the debt before the 0% ends or you pay 22.9% rep APR. Full help in 0% spending cards.

Christmas delivery/collection slots open at Asda, Ocado, Sainsbury's and others - hurry as demand's high. See our store-by-store supermarket Christmas delivery slots round-up.

Tonight (Tue 8pm) The Martin Lewis Money Show LIVE is back on ITV. Over to Martin: "We're back, with new hour-long shows. Tonight it's energy, mortgages and far more - all the need-to-knows about what's going on right now. Plus a section dedicated to answering your questions. Do watch or at least set the Betamax. PS: I've also the new The Martin Lewis Podcast via BBC Sounds."

BLAGGED FOR MSE

- 131 flowering bulbs for £15 (£70 separately) 6,000 available

DID YOU MISS?

- How YOU'LL receive the £400 energy support from your supplier
- John Lewis is now renting out dresses from £22
- Will mortgage lenders let you lock in a new fix six months early?
- 2for1 Pizza Express pizza (dine-in)
- Morrisons and Aldi toy sales up to 50% off

New. Cheapest MEGAFAST broadband and line deals...
213Mb Virgin fibre broadband & line for just '£18/month' - or you can go up to 900Mb (but you pay for it)

If you've a need, a need for (serious) speed, then this week it's all about you. We always tell you cheap broadband is about pouncing on short-lived promo deals, and this week's are both short and (very) zippy. The cheapest is nearly 10 times the speed but half the price many people are on. And you can go even faster, though you pay a lot more for it. Fast broadband is better for households with multiple users, serious downloads or gaming.

As a benchmark, the cheapest standard 38Mb fibre broadband & line is '£14/month'. Below we've only included deals available to at least a third of the country. All links go via our Broadband Unbundled comparison tool where you enter your postcode and see what deals are available in your area.

Top switchers' broadband deals On universal credit or similar benefits? Check discounted broadband tariffs (though they're not as fast as these)
New. Virgin Media MSE Blagged - 213Mb fibre & line '£18.40/month' 18-month contract Only available to 55% of homes - you're told if yours qualifies when applying.	Cheapest 200Mb deal we've ever seen. Apply via this Virgin 213Mb link and you pay £23.95/month, but get an automatic £100 bill credit added to your first bill (so there's nowt to pay for four months, unless you make calls). Factor that in and it's £18.40/month over the 18-month contract. We've only ever seen it this cheap twice before. Virgin was rated 'OK' in our last service poll.
New. Shell Energy - 506Mb fibre (no line) '£35.10/month' 18-month contract Mid-term inflation+ price hike allowed in contract. Only available to 34% of homes - you're told if yours qualifies when applying.	Cheapest 500Mb deal. Apply via this Shell 506Mb link and you'll pay £4.95 upfront, then £38.99/month, but you'll be able to claim a £75 Amazon voucher within 4 months. If you'd have spent there anyway, factor it in and it's equivalent to £35.10/month over the 18-month contract. Shell was rated 'Poor' in our last service poll.
BT - 900Mb fibre (no line) '£46.91/month' 24-month contract Mid-term inflation+ price hike allowed in contract. Only available to 34% of homes - you're told if yours qualifies when applying.	Cheapest 900Mb deal. Apply via this BT 900Mb link and you get the first three months free, then it's £55.99/month, but you can claim a £50 prepaid Mastercard (online only). Factor that in and it's equivalent to £46.91/month over the 24-month contract. BT was rated 'Good' in our last service poll.
To compare, we use 'equivalent costs' - adding all costs, deducting promo credits and averaging over the contract.

Slow broadband? Test your speed - is it the Wi-Fi or the connection? Do a broadband speed check - first when using Wi-Fi, and then plugging your device into the router (if you can). If Wi-Fi's a lot slower, try our eight speed-boosters.
At least 50% of customers must get the advertised speeds at peak times. All providers above also tell you the estimated max speed you're likely to get before you sign up.
Switching usually only means about two hours' downtime. You're told the switch time, and most don't need an engineer to set it up - though about 40% switching to Virgin will (you're told before applying), as will those getting ultrafast speeds for the first time. A few leaving Virgin may need an Openreach engineer.
Don't want to switch? Haggle. If you want to stay with your existing provider, use the deals in the table above as a benchmark price to help you haggle costs down. Not sure how? Read our full Broadband haggling tips guide.
Members of cashback sites can sometimes undercut deals. In some cases, the cashback can mean these sites undercut promos elsewhere, though sometimes the deal differs - so check carefully. More in Top cashback sites.

Chase boosts easy-access savings rate to 2.1%. New and existing savers will earn the new rate from Monday. Yet you can earn more elsewhere - see options in Top savings accounts.

15GB data Sim just '£4.62/month' - cheapest we've seen for this amount of data. MSE Blagged. 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. Lycamobile (uses O2) also has a 15GB/month Sim for an equivalent £4.62/month, but with it you can't get Wi-Fi calling, or 5G signal on iPhones. Want less/more data, or a new phone? Use our Cheap Mobile Finder.

On smart prepay for energy? We're asking all firms to let you move the £66/month electricity payment to gas. Some firms allow it, but we're calling on the ones that don't to sort it ahead of the November payment. See what your supplier allows & our campaign.

Kids eat FREE or for £1, including M&S cafe, Pizza Hut and more. See our round-up of eateries where little ones can enjoy a hot meal for less over half term. Kids eat free. Related: Adults eat 'free' at Frankie & Benny's.

Royal British Legion launches up to £2,400 grants for veterans scheme. If you've served in the armed forces, or live with someone who has, and you're struggling financially, you could be eligible for help. See how to check and apply.

Get up to 20% off childcare costs. With half term near (or already here), a reminder that if you've a child under 11, Tax-Free Childcare can save you up to £2,000/year. See Help with childcare costs, including extra help if you claim benefits.

2for1 beer, spirits or soft drinks at 500+ pubs across England and Wales. 20,000 free drinks available - see 2for1 drinks (and please be Drinkaware).

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AT A GLANCE BEST BUYS

Longest 0%: Sainsbury's Bank (check eligibility / apply*) - up to 34 months 0%, 2.88% or 3.88% fee (21.9% rep APR)
No-fee 0%: Sainsbury's Bank (check eligibility / apply*) - up to 22 months 0%, no or 1% fee or NatWest - 22 months 0% if you're a NatWest/RBS customer (both 21.9% rep APR)

£200 to switch + 5% interest: Nationwide
£175 to switch + TOP service: First Direct

Top easy-access: Skipton BS 2.55%, min £10,000
Top one-year fix: JN Bank 4.75%, min £100

Try our new MSE Car Insurance Compare+ tool

Cheapest for £5,000 to £7,499: Sainsbury's Bank (apply), 4.3% rep APR (Nectar cardholders) or 4.5% rep APR
Cheapest for £7,500 to £15,000: Finble (check eligibility), 4% rep APR

Fibre (30Mb+): Shell Energy '£14.27/month'
Superfast fibre (55Mb+): Shell Energy '£14.72/month'
Megafast (100Mb+): Virgin Media '£18.40/month'

On universal credit or similar? Check discounted social tariffs

Up to 3GB data: '£2.57/month' for 3GB, Lebara or Lycamobile
4GB to 9GB data: '£3.40/month' for 5GB, Lebara or Lycamobile
10GB+ data: '£4.62/month' for 15GB, Lebara or Lycamobile

CAMPAIGN OF THE WEEK

Have you bought or considered energy-efficient home improvements? If you've installed (or thought about installing) green measures such as heat pumps, solar systems, biomass boilers or insulation since September 2020, the CMA - the competition watchdog - wants to hear about your experiences so it can look at whether more consumer protections might be needed. Take its 15-minute survey before it closes on Tuesday 1 November.

THIS WEEK'S POLL

How much mobile data do you use in a month? Mobile phones are an essential part of everyday life for many, with streaming, gaming, social networking and more all increasingly done on data-hungry mobiles. According to a recent Ofcom report, the average person uses 5GB a month of data, but when we last ran this poll in January, we found it to be about 3GB a month. We want to compare and see if this has also changed for you. Vote in this week's poll.

MoneySavers rate Monzo and Starling as the best banking apps. Last week, we asked how you rate your bank's app, and more than 6,000 people responded. App-only bank Monzo once again came out top for features, with 86% rating it 'great', followed closely by digital banking rival Starling at 85%. Starling just pipped Monzo on usability, with 83% rating it 'great', compared with 82% for Monzo. Royal Bank of Scotland did best of the traditional banks - 67% said its app was 'great' for features, 71% for usability. See the full banking app poll results.

MSE NEWS

- Top story: NatWest to shut another 43 branches - here's the full list
- Sky Stream launches, letting you watch Sky TV without a satellite dish
- Waitrose brings back 'free' coffee - but you'll need to bring your own cup to avoid a charge
- Safe Hands customer? How to get your money back after funeral plan firm went bust

MONEY MORAL DILEMMA

Should we walk away from the window fitter who won't fit our windows? A year ago, we hired a tradesperson to fit a window and patio doors. He tells us he's had them made, but he still hasn't fitted them, and only responds to calls and messages to give reasons why he can't do the job. Winter's approaching and we want this done to stop draughts - we've asked other tradespeople, but they say they won't fit windows or doors they've not personally measured up. We've not paid anything yet, and don't want to leave him out of pocket, but we need this sorted. Should we keep trying to contact our absentee window fitter or walk away? Enter the Money Moral Maze: Should we walk away from the window fitter who won't fit our windows? | Suggest a Money Moral Dilemma

MSE TEAM BLOG

- Birds, boxes & birthday bashes - last week's MSE Forum highlights

MARTIN'S APPEARANCES (WED 19 OCT ONWARDS)

Wed 19 Oct - Ask Martin Lewis, BBC Radio 5 Live, 1pm. Listen again
Tue 25 Oct - The Martin Lewis Money Show, ITV, 8pm

MSE TEAM APPEARANCES (SUBJECT TBC)

Tue 25 Oct - BBC Radio Cambridgeshire, Mid-morning with Jeremy Sallis, from 10.45am

HOW DO YOU GET THE MOST OUT OF HOUSEHOLD PRODUCTS?

That's all for this week, but before we go... after MoneySavers told us that using half a dishwasher tablet still got their dishes clean, we asked for tips on which other products you can use less of to get the same result. Common themes included washing powder, washing-up liquid and toothpaste. Some also recommended cutting scourers and sponges in half. And on the subject of washing dishes... one MoneySaver posted a video of their dog licking the plates in the dishwasher clean. It's a barking suggestion, but we're also not convinced it's effective, hygienic... or MoneySaving! Tell us how you get the most from your products in our Facebook and Twitter conversations.

We hope you save some money, stay safe,
The MSE team

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Founded in February 2003, it is now the UK's biggest consumer help website, with more than 12 million users each month and about 8.5 million receiving this email. In September 2012 it became part of the MoneySupermarket Group PLC. Its focus is simple - saving cash and fighting for financial justice on anything and everything. The site has over 80 full-time staff, more than a third of whom are editorial - researching, analysing and writing to continually find ways to save money. More info: See About MSE.

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Martin Lewis CBE is the founder and executive chair of MSE, as well as the founder of the MMHPI charity. He's an ultra-focused MoneySaving journalist and consumer campaigner with his own prime-time ITV programme The Martin Lewis Money Show, Radio 5 Live Wednesday show Ask Martin Lewis and weekly slot on This Morning, among others. More info: See Martin Lewis' biography.

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