Laden...
|
| - | - | - | - | - |
|
|
|---|
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 |
| New. Get a FREE £45 to spend at M&S (incl food) Apply for a credit card, do £100 of normal day-to-day spending and Bob's your auntie... With Christmas coming and money tight, this is an easy(ish) way to get money off at M&S. Sadly you won't get the vouchers before Christmas, but you will get them to help ease the pressure in the New Year. Just DON'T use it as an excuse to overspend. Here's how it works: New. Get £45 in M&S vouchers when you spend £100. In a nutshell, accepted new M&S Bank* cardholders who apply via our link by Thu 30 Nov and spend £100 on the card, making sure some of it is at M&S, get £45 of vouchers to spend on most things at M&S. a) Repay IN FULL each month, preferably by direct debit, to avoid interest which'll dwarf the gain. b) Never withdraw cash. You pay interest on it even if repaying in full, and it hits your credit score. |
| Amazon delivery overhaul - is yours still free? How to avoid being overcharged. Amazon delivery Savings latest. 1.35% easy-access - highest rate since Aug 16. The new top account you can withdraw cash from whenever you want is Bank of Cyprus UK, paying 1.35%. The bank's fully UK-regulated so y ou get £85k savings safety protection, as you do with 2nd placed Paragon Bank at 1.31% and 3rd (a name many know) Lloyds-owned Birmingham Midshires at 1.3%. (PS: The 0.05 percentage point difference is 50p/yr per £1,000). Full info: Top Savings.
New. Vodafone fast fibre b'band & line £20/mth or faster for £25/mth. Anyone not currently with Vodafone b'band can get an 18mth contract for up-to-38Mb fast fibre b'band and line for £20/mth, or even faster up-to-76Mb fibre b'band and linefor £25/mth. Plus you can claim a £20 Amazon vch. Cheap fibre b'band |
|
|---|
| The Christmas Deals Predictor is BACK - gaze into the future We tell you when bargains are expected so you save. Eg, Soap & Glory bundle, 20% Selfridges code Put away your crystal ball, stop reading Nostradamus - our popular Christmas Deals Predictor is back. It estimates the exact week and saving on dozens of deals we think are coming from biggies such as Amazon, Asos and M&S . So if you're willing to take a slight gamble, diarise the date for the deal you want. But don't fall for the retailers' hype - only buy what you need and can afford. Last year we got it 93% right. Our elves at MSE Towers have been tracking and analysing retailers' deals for the last 7 years, to give us a good idea of what's coming when. Last year a whopping 83% of deals came out exactly as we predicted. Add in those we were only marginally out on and we had an astonishing 93% success rate. When are Soap & Glory and the rest coming this year? There are 60+ predictions in the 2017 Deals Predictor already. They include: Half-price Soap & Glory gift set | Selfridges 20% code | £9 champers | '£5' Ikea Xmas trees | Pre-Xmas discounted cards & decorations.It covers January sales too. Many retailers start their Jan sales just before Xmas, so you can pick up a 'New Year' deal and still stick it under the tree. |
| 1 week only: Nectar double-up at Sainsbury's, incl toys, clothes & electricals. From today (Wed) till next Tue, every 1,000 pts (norm £5) will be worth £10 in some departments. Full analysis and what to do: Nectar double-up. FREE letter from Santa. He's a lot to reply to so post your letter (with stamp) by the deadline. Santa letter Three customer? Get weekly freebies and discounts via its app. Staff at MSE Towers have scored top deals in recent weeks, incl free Domino's, Hotel Chocolat and cinema tix. Three-bies £55 Christmas free-range bronze turkey and meat bundle feeding 10-12 (norm £95). MSE Blagged. 2,500 to gobble up. Incl chipolatas, sausage meat, bacon and goose fat. Delivery 20-22 Dec - you choose. Xmas dinner Schools to get half a million financial education textbooks, funded by our Martin. The first curriculum-mapped financial education textbooks are to be produced by the charity Young Money - the latest in the campaign to ensure financial literacy for all. More info incl why Martin's doing it, not the Govt, in New money textbook. 90p Yankee Candle via 10% off code at Poundshop.com. MSE Blagged. Ends Mon. £5 del. Yankee Candle |
Tell your friends about usThey can get this email free every week |
| AT A GLANCE BEST BUYS
|
| Psst - fancy paying less tax? 5 ways to stop overpaying (ALL legit) It's not about tax evasion or avoidance, but making sure you're not missing out on legal tax perks worth £1,000s Let's be crystal clear - we stand squarely against tax evasion (which is illegal) AND tax avoidance (which, as recent news has shown, is within the letter but not the spirit of the law). However we're massive cheerleaders for tax planning (when you do what the state wants you to and you gain - see Martin's old Avoidance vs Planning blog for more). Here are five ways to make sure you're not paying more tax than you need to... Claim a free £662 if you're married/civil partners. If one of you doesn't earn enough to pay income tax and the other pays the basic 20% rate, you can get the marriage tax allowance, worth £230 t his year and £432 for past years. Yet nearly HALF of eligible couples still haven't claimed, so check.Got kids? Let the Govt pay up to £2,000/yr towards your childcare. With Tax-Free Childcare, for every 80p you put in, the state adds 20p - up to £2k per child each year. Wear a uniform at work? You could reclaim £100s. As long as it's recognisable, and shows you have a certain job, even a T-shirt can count. If you wash it yourself, you may be due a uniform tax rebate. Check & challenge your council tax band. They haven't changed since 1991 in Eng and Scot (2003 in Wales), so if you think you're paying more than a neighbour in a similar home, check. If it's re-banded in your favour, you could be owed £1,000s. Take our Council tax challenge. On the wrong tax code? Reclaim £1,000s. Tax codes tell employers what to take from your payslip. Yet 100,000s pay too much of their hard-earned every year because they're on the wrong one. Our free Tax Code Calc helps you check (it's YOUR legal responsibility to ensure it's right). Our biggest reclaim so far is £9,000. There are plenty of other legit ways to tax-plan including inheritance tax reduction, the Rent a Room scheme & saving for retirement. |
| Tulip bulbs & book bundle £10 all-in. MSE Blagged. 24 ready-to-plant tulip bulbs plus Book of Bulbs - norm £25. Book & bulbs offer SUCCESS OF THE WEEK: (Send us yours on this or any topic) Totally FREE New Covent Garden Soup (norm £2ish). Via our deals-stacking trick. Soup-er |
| CAMPAIGN OF THE WEEK Help collect donations for the UK's largest Christmas food drive. Volunteers are needed to collect food for anti-hunger charity FareShare at Tesco stores UK-wide from Thu 30 Nov to Sat 2 Dec. Sign up in store if you can spare a few hours to spread some Christmas cheer and collect food for people who might otherwise go without. |
| THIS WEEK'S POLL Have you haggled with Sky, BT, the AA and more this year? Did you succeed? Haggling with companies can provide big savings - on anything from digital TV and broadband to credit cards, breakdown cover and insurance. Each year we try to gauge the success rates of those who've done it. Have you haggled? Are you app-happy? Last week we asked for your views on banking apps and you were generally positive - just 21% of app users thought theirs wasn't worth using. New app-only banks Monzo and Starling proved particularly popular, with 76% of voters for each saying they're great to use. Barclays' app was the best liked of the big banks, with 66% saying it's 'great', while M&S Bank was bottom of the pile, with 64% saying its app's NOT worth using. See which apps people rate. |
| MONEY MORAL DILEMMA Should my girlfriend pay me? I'm a builder and my girlfriend buys old houses to do up. She expects me to help out for free, simply because I'm her boyfriend - am I wrong to ask for payment for the work I do? Enter the Money Moral Maze: Should my girlfriend pay me? | Sugg est an MMD | View past MMDs THE QUICKIES - Debt-Free Wannabe chat of the week: November No Spend Day Challenge |
|
|
|---|
| MARTIN'S APPEARANCES (WED 15 NOV ONWARD) Thu 16 Nov - Good Morning Britain, ITV, Deals of the Week, 7.40am. See previous MSE TEAM APPEARANCES (SUBJECTS TBC) Wed 15 Nov - BBC Cumbria, Money Talks with Ben Maeder, from 6pm |
| QUESTION OF THE WEEK Q: If I have a Virgin Media cable for my broadband which goes directly to my home, does that stop me switching to another provider? John, by email. MSE Weleid's A: No, this shouldn't prevent you from switching, but all other firms use different wiring than Virgin so you'll need that set up. If you already have the necessary cables - eg, because you used to have BT in your home - you may not need an engineer to visit. If you don't have the necessary line, someone will need to come round to install it. Whether you're charged for new line installation depends on the provider or if it has an offer on. To find the best switching deals, see our Broadband Unbundled tool. |
| 45 FEET OF PACKAGING TO PROTECT A WALL CALENDAR... 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 americanexpress.com, bank.marksandspencer.com, barclaycard.co.uk, sainsburysbank.co.uk, moneysupermarket.com, Confused.com, gocompare.com, comparethemarket.com, directline.com, aviva.co.uk, cbonline.co.uk, ybonline.co.uk 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. |
Laden...
Laden...
