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New Year BILL BUSTING - take our crash course to save £1,000s

We wish you a healthy, happy and fiscally sensible 2019. And as many people's New Year's resolution is to get their finances in order, especially if you've a post-Christmas debt hangover, we want to help.

We make no apology for the fact that regular MoneySavers will know much of this, but the aim is to make it easy for those who aren't always super diligent. If you need even more detail, don't worry, each week in January we'll go more in depth on these subject by subject.

CREDIT & STORE CARD DEBT. Check if you pay interest - if so, use our 2-min tool to shift debt to 0%, incl 27mths, NO FEE. You can save £100s with a balance transfer card. It repays debts on old cards for you, so you owe it instead, but at 0%. So if you had existing debt and/or overdid it at Xmas, this can be your financial superhero.
Right now the top pick for many is 27mths at 0% with NO FEE. Yet don't apply over and over again. That adds a mark to your credit file, and if you get rejected and need to apply again, it makes it harder. Our Balance Transfer Eligibility Calculator shows which of most top cards you're most likely to get, without hitting your credit file.
Shifting debt can save you big, as Richard discovered: "I have just done a balance transfer and I'm saving £1,100+/yr. Thanks."

CAR INSURANCE. Take 10 mins to see if you can save £100s, even if not at renewal. Insurers rely on people's laziness to jack up renewal prices, so always compare before you auto-renew. You'll normally get the best prices 21 days before your year's up, so remember to get quotes then. Or you could save even if not at renewal - see how to switch mid-policy. When ready...
(i) Use comparison sites to check dozens of insurers in mins - but they don't all cover the same providers so check a few. Our current order is MoneySup*, Confused*, Gocompare* & Compare The Market*.
(ii) Biggies Direct Line* & Aviva* aren't on comparisons so try 'em.
(iii) Check hot deals comparisons miss, which includes a £55 Amazon vch. See our car insurance cost-cutting system for more.
What about home insurance? The logic is the same - never auto-renew and use comparisons. See our cheap home insurance system.

MORTGAGES. They're many people's biggest monthly expense - can you slash yours by £1,000s? About 2m overpay on a standard variable rate - which most intro deals revert to when over.

MOBILES. Pay £10/mth+ for mobile use? STOP and check if big savings are possible. If out of contract, happy with your handset and you've had your Sim a while, you can probably slash costs as Sim prices have dived in recent years.
Most people use less than 5GB of data and at this level there are lots of sub-£10/mth deals. Our top picks for new customers are below, and all come with unlimited mins & texts:

- 1GB, equiv £4.38/mth. With Smarty* (on Three's network) you pay £6.50/mth upfront with no min term. Activate the Sim by 18 Feb to get 2mths 'free', and you can claim a £10 Amazon vch (it'll send claiming info within 3mths). Spend it & over 1yr it's an equiv £4.38/mth.
- 4GB, equiv £7.50/mth. This Smarty* deal works the same as above but is £10/mth upfront.
- 20GB, equiv £13.34/mth. On this 1yr Vodafone* deal it's £20/mth but you get £80 auto-cashback after 2mths - an equiv £13.34/mth.
Check old bills for your usage or try a free checker tool. See our Best Sim Only Deals guide for more options and switching help.

WATER. Are you pouring money down the drain? Use a quick calc to check if you can save with a water meter. You can't switch supplier to save, but some may be better off with a water meter. See how to check if you can slash your water bill. Ange tweeted: "Just saved £250 by changing to a water meter. Thanks."

PS: If you wonder why there's no mention of energy or bank accounts here, we've hot deals for them below in the main body of this email.

Martin Lewis Money Show LIVE, ITV, 8pm Tue

Over to him: "Next Tue, to restart the series (after, it confusingly moves to Mondays) we've a 1hr live bill-busting special, where I'll run through how to slash £1,000s off the cost of all household bills. Plus as always it's an 'ask me anything' - so if you've got a question, on anything (well, almost) you can get in touch live. Do watch, or set the Betamax."