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DON'T believe the fake ads on FacebookLots of scam ads that litter social media lie that we or Martin promote Bitcoin, binary trading etc. See Fake ads warning. |
New. Cheapest EVER loan rate is back - 2.7% The price war has reignited so if you need to borrow, and can afford to, now's a good time It appeared the cheapest ever loans era was over in late 2017 when a set of rate rises hit. But the pendulum has swung back in recent weeks - now some of the best buys are as good as or close to the best then. The highlight is a new 2.7% rate, due to launch at 11am today (Wed) for £7.5k-£15k loans - the joint lowest we've EVER seen. Here's the lowdown...
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New. Income Tax Calculator 2018/19 - find your NEW take-home pay. The new tax year starts on Friday meaning allowances change, so we've updated our Income Tax Calc so you can check what'll be in your April pay packet. Dyson FLASH 20% off refurbished vacuums code. On 15 models already-discounted as they're refurbs. Eg, V6 cordless £128 (norm £160 refurbished, £188 new). Incl 1-2yr warranties, ends Thu. Dyson code Martin: 'Big student loan shake-up means millions (but not all) will pay £1,000s less.' Read his new Student April change blog. Related: Martin's warning to every UK worker aged 22+. New. Free £25 M&S on £100+ spends on its credit card. Accepted new M&S Bank (eligibility calc / apply*) credit card-holders who apply via our link & spend £100+ anywhere by 30 Jun are emailed a £20 M&S vch by 31 Jul. You also get a coupon which when swiped or quoted online when buying most things at M&S earns 500pts, worth £5. Important: Only do it for the £25 if you're debt-free and a disciplined spender. There's 25mths 0% on spending, but don't borrow willy-nilly. Pay at least the min & clear before the 0% ends or the rate jumps to 18.9% rep APR. Full info in 0% Cards (APR Examples). Free £5 Pizza Express vch with £1 90-day Tastecard. MSE Blagged. Pizza Exp vch valid on other offers. Tastecard (norm up to £80/yr) gets 2for1 or half-price food at 6k+ eateries. Pizza & Tastecard. Related: Free Pizza Exp pizza. 13 ways to use less plastic AND save cash. It's a hot topic with the proposed bottle deposit scheme - but you can crack down on plastic TODAY, eg, 50p off at Pret with reusable cups. How to cut plastic & save. |
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Drive down car insurance costs by £100s - EVEN IF NOT AT RENEWAL Prices jumped 6% in the past year so use our top tips to stop your wallet being sent into a spin With prices up, it's never been more important to use our cheap car insurance tips to keep costs down. Even if midway through a policy you may be able to save, especially if you've always auto-renewed - which is the worst car insurance sin. Here's how to fight back...
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Cheap post-Easter chocs, eg, 17p Creme Eggs, 50p Mars/Cadbury eggs, £2 Lindt bunny. Shops flogging leftovers. Cracking-value chocs 40 London MoneySaving tips, incl free 'flight' over Thames and free Parliament tour. Great if heading to the capital during the school hols. London calling Fill in surveys for Amazon/M&S/etc vchs - with DOUBLE pts for 10 days. MSE Blagged. For new AND existing users of mega-popular Swagbucks scheme. Swagbucks bonus Hot Diamonds extra 30% off outlet code, eg, £16 earrings (were £45). MSE Blagged. On all items already 'up to 50% off', plus free delivery. Ltd stock. Hot Diamonds Jetting off? Sort holiday cash BEFORE you get to the airport. Rates there are hideous and can cost £30 MORE for every €200. Instead, our TravelMoneyMax tool compares 30+ bureaux to show the best rates. Cornerstone shaving set £14 all-in (norm £36). MSE Blagged. Incl personalised razor, 6 blades, face wash, scrub, gel and balm. 10,000 avail. Cornerstone set |
AT A GLANCE BEST BUYS
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'I've won prizes for 10 years, incl a £3,000 cruise... and a husband' Entering lots of competitions is a potentially profitable hobby. For Jay, using the MSE Forum for help paid in both prizes... and love: "My husband Al and I met on the forum. We swapped tips and things got serious when we won a cruise on the Queen Mary 2 worth £3,000. If we hadn't won it we wouldn't have got married. I've been comping for 10 years but now I donate most winnings to dog charities." To max your chances, we've 42 Comping Tips - here are some for starters:
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£90ish Nails Inc nail polish collection £25 all-in. MSE Blagged. 10-polish set incl confetti effects. 1,200 avail £3,500 FOR FIVE MINS' WORK - SUCCESS OF THE WEEK Do you qualify for a Disabled Person's Railcard? (Eg, if you've a hearing aid, you do.) It costs £20 for 1yr, or £54 for 3, and gets 1/3 off most fares incl peak times. See who's eligible for a Disabled Person's Railcard. |
THIS WEEK'S POLL When did you last use your bank branch? Whether it's customer behaviour, cost-cutting or both, banks are closing branches left, right and centre. This year alone, RBS/NatWest is to close 259 across the country - a quarter of its network. So when did you last use your main bank's branch? |
MONEY MORAL DILEMMA Should I leave money to my gambling son? My son has racked up over £2,000 in credit card debt through a gambling addiction. He has stopped betting but admits he'd likely waste any money I left him. I don't want to leave him out of my will but I also don't want to allow him to get into more gambling debt. Enter the Money Moral Maze: Should I leave money to my gambling son? | Suggest an MMD | View past MMDs THE QUICKIES - Debt-Free Wannabe chat of the week: How much did my debt sell for? |
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MARTIN'S APPEARANCES (WED 4 APR ONWARDS) Mon 9 Apr - This Morning, ITV, from 10.30am MSE TEAM APPEARANCES (MOST SUBJECTS TBC) Wed 4 Apr - BBC Cumbria, Money Talks with Ben Maeder, from 6pm |
QUESTION OF THE WEEK Q: We're encouraged to switch bank accounts for cash incentives, but how long do you have to stay with a bank before switching to another? David, via email. MSE Rosie's A: You just need to keep the new account open until the incentive is paid, usually 30-50 days after switching. But some incentives - such as the £200 from HSBC which was available till last month - require you to still be with the bank in a year to get all the cash. Note that if you close the account once it's paid you'll miss out on any ongoing rewards such as cashback. And each new account application marks your credit file, so you might want to wait a while if you've other credit applications coming up. For the best current switch offers, including a free £125 plus top service, see Best Bank Accounts. Please suggest a question of the week (we can't reply to individual emails). |
'ARGOS TO LAUNCH FRAGRANCE THAT SMELLS LIKE ITS CATALOGUE' That's all for this week, but before we go... what's the best April Fool's you've played or fallen for? From Argos unveiling a perfume with the scent of its new catalogue to dog treats disguised as chocolate buttons, MoneySavers shared their favourite jokes they've seen in our April Fool's Twitter thread. And be honest, did you fall for our 'news' on rail firms launching standing-only season tickets? 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 idmobile.co.uk, three.co.uk, moneysupermarket.com, comparethemarket.com, gocompare.com, confused.com, aviva.co.uk, directline.com, sainsburysbank.co.uk, bank.marksandspencer.com, admiral.com, zopa.com, ikano.co.uk, culoans.co.uk, lv.com directline.com, ageuk.org.uk, churchill.com, co-opinsurance.co.uk, mbna.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. |
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