10% off Ikea code, top student accounts, horrific 80% energy hike help, free plant-based Whopper, cheapest-ever 2.7% loans

Plus... free £175 x2, slash food bills, 12GB Sim £3.50/mth, free eHarmony trial, 3mth free Spotify

                                                           

24 August 2022 | View in browser

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THE TOP TIPS IN THIS EMAIL 18 ways to cut rising food bills, including: - Free Nescafé, choc and more coupons - 25% cashback at supermarkets - Find hidden bargains The end of cheap 2.7% loans? Top 2022/23 student bank accounts Horrifying 80% energy bill rise help Rare 10% off Ikea code New. Two FREE £175 bank switch bribes 3 months' FREE Spotify Premium Ends Thu. BT broadband '£23/month' Can you get help with energy debts? Free £5 plant-based/vegan Burger King A quick favour for Martin... 1m+ water-saving freebies 12GB data Sim '£3.50/month' Child 16 to 19? Act to keep child benefit FREE 7-day eHarmony Premium trial 'Thanks, I got £674 for cancelled flight' In N Ireland? FREE Open Uni courses Work and on universal credit? Check if you've been underpaid This week's best buys, including 1.81% easy-access savings, 34 months' 0% debt shift, MSE's car insurance tool A building firm hasn't invoiced me for shoddy work - should I chase it up? BEST BUYS & TOOLS MSE Cheap Mobile Finder Credit Club including free credit report 0% balance transfers Compare broadband deals MSE Car Insurance Compare+ Best bank accounts Top savings accounts Credit cards for bad credit Credit Card Eligibility Calculator Loans Eligibility Calculator Mortgage comparison Compare travel money Cheap Energy Club, with Pick Me A Tariff Best Sim-only deals

Can you cut your supermarket spend by £100s? 18 ways to take a bite out of food price hikes Including FREE Nescafé, hidden bargains, 25% cashback, up to £80 off newbie grocery codes & a trolley-load more UK inflation has hit a 40-year high of over 10%, driven in part by soaring food prices. But shopping more efficiently and arming yourself with a few tricks can help cut down your bills at the checkout. We've 30 supermarket shopping tips in our guide, but here's our pick of the crop: Updated. Collect coupons & cashback to max supermarket savings, including FREE Lindt choc, FREE Nescafé coffee, £2 off Cornetto ice cream. Clipping coupons is largely a thing of the past - these days it's about being clever with digital coupons & cashback apps to nab free or cheap food. Check our 40+ coupons guide for our round-up of the best ones and full info on how to raise your couponing game. Speedily find the cheapest supermarket for your items. Handy comparison tool Trolley lets you benchmark the cost of products at the major supermarkets. You can also get alerts when the prices of your favourite goodies drop. New. Switch banks to Virgin Money and get 25% cashback for two months on supermarket and fuel spends. Newbies switching to the Virgin Money M Plus* account can get 25% cashback (max £160) on all purchases at every UK supermarket - just spend using its debit card within your 60-day qualifying period. It's also a great account for savers, as it pays the top easy-access interest rate of 2.02% on up to £1,000, plus its linked savings account pays a decent 1.71% on a further £25,000. To qualify for the 25% cashback for two months: Apply online, then within 45 days: switch, pay in £1,000+ to its linked savings account, sign up to cashback in the app and have 2+ direct debits. Once done, you'll receive an email within 14 days confirming you're eligible for cashback - so then you need to make qualifying spends. You can't have a Virgin Money current account (or have closed one since 30 April 2022) and can't have ever had a switch bonus from the bank. Our Best bank accounts guide has full info, plus more options which pay up to £175 FREE switch cash. Play online grocery run-around to bag £80 off - including £15 off Sainsbury's, £5 off Iceland. The best supermarket discount codes come for first-time online orders, and it pays to use 'em all. Simply shop at all the places you've not used before as a one-off to save. These include £15 off Sainsbury's, £15 off Amazon Fresh and £5 off Iceland. New. Asda shopper? It's just launched its first-ever loyalty scheme offering discounts on groceries. Buy selected products or reach certain spend thresholds and you'll get rewards you can convert into vouchers to spend on your shopping (though don't use it as an excuse to overspend). See how the new Asda rewards app works. Find the food aisles where supermarkets hide top bargains (and always remember to look down). We've uncovered where to find the best price - for example, cotton buds can be 27% cheaper in the baby aisle, plus spices are 70% cheaper per gram in world foods. And don't fall for supermarket psychology - ensure you don't miss out on hidden bottom-shelf bargains which can give up to 50%+ better value, including big brands. If you're debt-free, make the most of your plastic at your supermarket of choice. If you're in a position to pay them off IN FULL every month, there are supermarket credit cards out there that can offer decent returns on your everyday spending - usually in the form of loyalty points, which you can convert into vouchers off your shopping. We've full info in Top reward credit cards, but here's a flavour of what you can get: - Sainsbury's Bank: £40 Nectar bonus + 2 Nectar per £1 at Sainsbury's - M&S Bank: 2 M&S points per £1 at M&S - Asda Money: 2% cashback for 60 days at Asda, then 1% - Tesco Bank: 5 Clubcard points per £4 at Tesco  Try Martin's Downshift Challenge - can you slash 30% off your grocery bill? For those who've not done this yet, in the noughties Martin launched the Downshift Challenge, where you drop brand levels on groceries. If you can't tell the difference - with your mouth, not your eyes, so ignore the packaging - stick with the lower level (and even if you can, if you need to cut back, do it anyway). It can cut up to 30% off bills, so even if you only switched on half of it, you'd save 15%. Are you keeping the RIGHT food in the fridge? Check where you should keep bread, fruit, veg and more to prolong their lifespan and stop you throwing food away. Use free loyalty schemes to unlock special discounts which could save you £100s a year. These days it's not just points you can earn, as supermarkets have introduced hidden deals just for their loyalty scheme members. - Tesco's 'Clubcard Prices' give up to 50% off various items (which vary by store) just by using your Clubcard - this week we've seen £1.50 McCain fries (normally £3) and £1 Kellogg's Rice Krispie Squares (normally £2). - Sainsbury's says you can save £200 a year with personalised up to 30% discounts via its SmartShop app. - Morrisons gives money-off regularly bought items via its My Morrisons app - for example we've seen 20% off fruit and veg, as well as occasional discounts off your entire shop, such as £5 off £40. - Lidl offers up to 30% discounts on items via its Plus app - we've seen 30% off bakery items, 20% off crackers and 15% off coffee. For other ways to max Clubcard or Nectar, see Loyalty points boosting. Grab free food from Tesco, bakeries, neighbours and more. A 'Freecycle for food' app offers grub for nowt. The idea is that instead of binning surplus food, people or stores offer it to their local community. Oh crumbs! Do supermarkets take the biscuit (from a nearly identical big brand recipe)? Our 'insiders' spill the beans. Factory workers and others shared their secret work-learnt insider tips with us including 'One massive block of cheese, but five wrapping stations for different brands... including Tesco Value' and 'The brands make the own-brand stuff too... and it's nearly the same'. Check if you can get money off nutritious food via the Healthy Start scheme. If you're on certain benefits and are pregnant or have a child under 4 (or 3 in Scotland), you can get between £17 and £36 a month to spend on healthy foods in 30,000 shops nationwide. Buy beyond-best-before items at huge discounts. Waste is bad for the planet and your pocket. Best-before dates are just a manufacturer's optimum quality view, though 'use by' is a health warning. So if you understand the difference between best-before and use-by dates, you won't chuck stuff away unnecessarily. There's even an online beyond-best-before store, currently selling 4 Asahi beer for £4, Bulls-Eye BBQ sauce for £1, Danny's Easter eggs for £1 and more. Know the best times to get the biggest 'yellow sticker' reductions. We've craftily gathered insider info from supermarket staff and shoppers on when stores want to offload stock, to help you time your trip right. For example, MoneySaver Freddy tweeted: "@MSE_Deals At Asda I got a turkey crown reduced to 20p (from over £20)." Is it an Aldi but a goodie? Does a Lidl go a long way? Our Forumites suss out weekly bargains. They often make up the top two in cheapest supermarket lists, and the MSE Forum helps with spotting the good and bad buys at these stores. Join in the Aldi and Lidl deals discussion. Check if you live near a social supermarket or community shop. These are social enterprises that are generally, but not always, aimed at those on low incomes, selling surplus from major supermarkets at heavily discounted prices. While not widespread, they're growing in number - see where to find social supermarkets. More quick ways to get your trolley for less lolly. For more tips to cut costs, including meal planning, not shopping when hungry, and nifty tools to use up larder leftovers, see 30 ways to cut supermarket costs. PS: Struggling to afford food? Foodbanks are there to help. Don't go hungry. See our foodbank info for how to find one near you and how to donate if you can afford to help.

 

 

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.

 

 

 

Cheapest-ever loans at 2.7% - but for how long? If you NEED to borrow, speedily check whether you'll be accepted The UK base rate has gone from 0.1% in December to 1.75% now - savings rates are up, mortgage rates are up, but most of the top personal loan rates haven't moved... yet. However, we've seen some lenders that don't make the best-buy tables raising rates, and there are strong rumours the cheapest rates will start to tick up soon. So if you need a loan, and can afford repayments, check what rates you qualify for now. Full help in Cheap loans, but in brief... Only borrow if it's NEEDED - never just because it's cheap. A loan should always be for a planned, necessary, one-off purchase (for example, a new kitchen or car), which you can't pay for from savings. Before borrowing, budget to ensure you can afford the repayments. And NEVER borrow willy-nilly to fill gaps in your income - which can spiral rapidly out of control. Already struggling with debt? Don't borrow more - see our Debt help guide instead.   Cheapest-ever loans - from 2.7% on £7,500+. Getting a loan is always about acceptance. That's why it's best to go through our Loans Eligibility Calculator, as it'll show you which lenders are most likely to accept you. This means you can home in on the most likely deal before applying (and reduce multiple applications, which mark your credit file). These are the current best buys to look for in your results: - £1,000 to £2,999: Novuna* 9.9% rep APR interest, but credit card loans are likely cheaper - £3,000 to £4,999: Ratesetter 'from 6.9%' (on £4,000 to £4,999). Finble (must apply through eligibility calc) & M&S Bank* 8.1% rep APR; AA* 8.1% rep APR for members (8.2% non-members) - £5,000 to £7,499: M&S Bank* & Novuna* 3.7% rep APR - £7,500 to £15,000: Finble 2.7% rep APR (must apply through eligibility calc), Ratesetter 'from 2.8%', M&S Bank* 2.8% rep APR - Ratesetter doesn't have an advertised APR. The links go via our eligibility calculator, where you're told whether you'll be accepted and your GUARANTEED RATE before applying. This is why we give Ratesetter a 'from' rate. - All other loans listed are 'representative APR'. That means only 51% of accepted customers need to get that rate - the rest can be charged more. But usually you won't know what you'll get without applying. If you do get a loan, ensure you pay on time (preferably by direct debit) or you may be charged and get a missed payment on your credit report, which can cause real problems. With rates so low, is it worth shifting existing loan or credit card debt? Shifting an existing loan to a new one isn't as simple as finding a cheaper rate, as you may be charged to pay a loan off early. So read our Cut existing loan costs guide for help and calculators to work it out. Though to cut existing credit card costs, you're usually better off using a balance transfer credit card.

 

Energy price cap rise to be confirmed on Friday - our new calc will show how much extra you'll pay. We're expecting a horrifying 80% price cap increase and we've lots of help coming - bookmark our price cap rates guide, as we'll be updating it with the new rates AND a calculator to show how much you'll pay from October. Related: Martin's 'Is it time to fix?' guide. Rare Ikea 10% off most items code. Valid online and in stores, till Monday. See this and 20+ more Ikea MoneySavers.  New. Two banks now pay £175 FREE cash to switch to 'em. There's a battle commencing in the bank switching arena. Santander's FREE £175* (just upped from £160) comes with 1% to 3% bills cashback, worth £40 to £80/year for those with mid-to-large bills. It's going head-to-head with First Direct's FREE £175*, which also boasts top service (88% rated it 'great' in our last poll), a 3.5% linked regular saver, plus a £250 0% overdraft for many. Full details and crucial eligibility info in Best bank accounts. 3 months' FREE Spotify Premium (newbies only). Listen ad-free & offline too. Cancel anytime, £9.99/month after if you don't. Not a newbie? See how to cut costs in Spotify MoneySavers, including how to get 3 months for £9.99. Ends 11.59pm Thu. BT fibre broadband just '£23/month'. This deal was popular last week, but ends on Thu. Newbies can get this BT 50Mb broadband-only (no line) deal via Broadband Genie for £26.99/month. But you can claim a £25 Amazon, Tesco or Currys voucher AND an £80 prepaid Mastercard - factor both in and it's equivalent to £22.62/month over the 2-year contract, making it the cheapest BT deal we've seen in a year. Yet you can get faster speeds cheaper elsewhere: use our broadband comparison. Falling behind on energy bills? Check if you can get a cash grant. Seven providers now offer non-repayable grants to help reduce energy debts. Find out whether you qualify and how to apply in our supplier-by-supplier analysis. FREE £5ish Burger King plant-based Whopper or Vegan Royale. Thu only, via app. 10,000 available. Free BK A quick favour for Martin... The National Television Awards have launched an 'expert' category for the first time, and Martin's in the final four. If you like his work, or have saved, please vote for Martin (and click through to the end or it doesn't count). There's stiff competition and it'd be a powerful message to broadcasters about how important consumer info on TV is in these trying times.

 

 

BLAGGED FOR MSE - Free 7-day trial of eHarmony Premium Ends Monday	DID YOU MISS? - 'Should I fix my energy bill or stick on the price cap?' - Hot Diamonds 40% off everything - for example, £80 ring for £24 - Struggling with school uniform costs? See if you can get a grant - Students - grab up to 10% off a Mac or iPad + a free gift card - Sending a parcel? Royal Mail will now pick it up for free

 

 

Top student bank accounts 2022/23: Grab a £1,500 0% overdraft & a free £100 four-year railcard (plus more deals) Even if you're not a student, share this with someone who is - it could save them £100s More than 425,000 students are heading off to uni this autumn, and many of them will be managing their finances for the first time. One key management tool is an overdraft - where the bank lets you spend more than you've got up to a certain limit - and a boon for students is that these overdrafts are interest-free while they're studying. Full options in Student bank accounts, but here's how to choose, and our top picks... Don't be swayed by freebies - the overdraft is key. Many accounts throw in free cash or other perks, and while that's part of the equation, grabbing a large 0% overdraft is more important, so you've as big a spending buffer as possible. - What's the difference between 'guaranteed' and 'up to' overdraft rates? If an overdraft limit is guaranteed, it means everyone who's accepted gets that limit, subject to certain conditions. Yet most accounts give 'up to' overdraft limits, which means what you'll get is based on your credit history - and as a student, it's likely you won't have much of that, so it could be tricky to get the highest amounts. Our top pick offers the highest DEFINITE 0% overdraft, plus some other perks... Top student bank accounts Account 0% overdraft offer Freebies Santander 123 student account* (pay in £500+ a term and register for online banking to qualify) EVERYONE accepted gets: - £1,500 in years 1 to 3 - £1,800 in year 4 - £2,000 in year 5 FREE 4-year 16-25 Railcard (gives a third off many fares and usually costs £100). You're sent a code via Santander's online banking to claim it, which you must do within 60 days. HSBC student account* EVERYONE accepted gets: - £1,000 in year 1 Then, based on credit history: - Up to £2,000 in year 2 - Up to £3,000 in year 3 and beyond £100 FREE cash if you use your debit card 5+ times within 30 days of opening the account.  Nationwide FlexStudent account (pay in £500+ a term to qualify) Based on credit history, you get: - Up to £1,000 in year 1 - Up to £2,000 in year 2 - Up to £3,000 in year 3 and beyond £100 FREE cash if you pay in £500+ by 16 Dec 2022. These accounts are available to freshers, but others may also qualify. New university students can apply for all the deals above. Those in later years or doing certain apprenticeships or BTEC courses may sometimes qualify too. See Student bank accounts to check if you're eligible.

 

Over 1 million water-saving freebies available - such as £20 shower heads and £5 tap inserts. With hosepipe bans hitting parts of England & Wales, it's a good cue for us all to think about cutting water use - it's socially responsible as well as cost-effective. To help, grab one of over 1 million free water-saving gadgets. 12GB data with '£3.50/month' Sim - we've not seen cheaper. Newbies to Lebara (uses Vodafone's network) can get a 12GB/month Sim with unlimited minutes and texts for just 1p/month for the first six months, then £6.90/month - equivalent to £3.46/month over a year. But it's a one-month contract, so you can cancel at any time. Plus, Lebara doesn't charge extra for using allowances in Europe. Need more/less data? Use our Cheap Mobile Finder. Urgent. Is your child 16 to 19 & in full-time education? Act now to avoid losing child benefit. You've got till Wed 31 Aug to contact HM Revenue & Customs and make sure your child benefit payments continue. Child benefit FREE 7-day trial of eHarmony Premium. MSE Blagged. One-off trial for newbies, no subscription required. You get unlimited messaging, video dating and can see who's visited your profile. Normally £10/month. eHarmony 'I got £674 in compensation for my cancelled flights thanks to MSE's tips.' Our success of the week comes from Anna, who said: "I followed your tips about claiming from British Airways for two cancelled flights and yesterday I got an email saying we would get 400 euros each, equivalent to £674, paid directly into our bank account. Very happy and thank you." Send us your MoneySaving successes on this or 'owt else. Live in Northern Ireland? FREE Open University courses (normally costing up to £3,200). Apply to one of 27 courses. 1,400+ places available. Open University NI Working and on universal credit? Check to see if you've been underpaid. You could be one of 10,000s getting the wrong amount each month. Our new guide helps you spot & fix issues if you're affected - but as it's new, do let us know how you found it and suggest improvements.

 

 

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AT A GLANCE BEST BUYS 0% balance transfers Longest 0%: Sainsbury's Bank (check eligibility / apply*) - up to 34 months 0%, 2.88% or 3.88% fee (21.9% rep APR interest) No-fee 0%: Sainsbury's Bank (check eligibility / apply*) - up to 22 months 0%, no or 1% fee (21.9% rep APR) or NatWest - 22 months 0% if you're a NatWest/RBS customer (21.9% rep APR) Broadband top picks Standard (10Mb+): Shell Energy '£12.71/month' Fibre (30Mb+): Shell Energy '£15.58/month' Superfast fibre (55Mb+): Shell Energy '£15.94/month' On universal credit or similar? Check discounted social tariffs Top savings accounts Top easy-access: Zopa 1.81%, min £1 Top one-year fix: Monument Bank 3.2%, min £25,000 Car insurance Try our new MSE Car Insurance Compare+ tool Cheap loans Cheapest for £5,000 to £7,499: M&S Bank* or Novuna Personal Finance* 3.7% rep APR interest Cheapest for £7,500 to £15,000: Finble 2.7% rep APR (1-8 years, only available via our eligibility calculator) Best bank accounts £175 to switch + TOP service: First Direct New. £175 to switch + 1-3% bills cashback (£2/month fee): Santander Cheap Sims Up to 3GB data: Lebara, '£2.46/month' for 3GB, unlimited mins & texts 4GB to 9GB data: Lebara, '£2.96/month' for 5GB, unlimited mins & texts 10GB+ data: Lebara, '£3.46/month' for 12GB, unlimited mins & texts

 

THIS WEEK'S POLL How much do you spend on average each week on groceries? With inflation hitting a 40-year high, the price of everyday supermarket essentials is rising dramatically, with many highlighting hikes on bread, butter, pet food and more. So this week, we want to know how much, on average, do you spend on your weekly grocery shop? Zen takes the crown for broadband customer service. In last week's poll, perennial customer-service titan Zen came top among providers, with 94% of its customers rating it 'great'. EE hit second spot, with 54% 'great'. Shell took the wooden spoon with 48% of its customers rating it as 'poor'. See full broadband poll results.

 

 

MSE NEWS - Top story: Sky TV customers should check bills NOW as their contract may have ended - Six million disabled people will get cost-of-living payments from 20 September - Barclays removes overdrafts that aren't being used - Buy now, pay later firms warned about misleading adverts - Tesco Bank savers could miss out on rate rises unless they take action

 

 

MONEY MORAL DILEMMA A building firm hasn't invoiced me for shoddy work - should I chase it up? I had a bathroom fitted and the standard was shocking - there were many issues including a leaking shower and the wrong sink being installed. I reluctantly got the company to return to put things right, as I was putting the house up for sale. I sold it a couple of months ago, but have yet to receive an invoice. Should I pursue the company, or assume it's written off payment knowing I'd dispute the bill? Enter the Money Moral Maze: Should I chase up building firm to pay for shoddy work? | Suggest a Money Moral Dilemma

 

 

MSE TEAM BLOG - The MSE Forum's energy-themed 'Ask An Expert' event - Vanilla, veg & vexatious neighbours - last week's MSE Forum highlights

 

 

MSE TEAM APPEARANCES (SUBJECT TBC) Tue 30 Aug - BBC Radio Cambridgeshire, Mid-morning with Jeremy Sallis, from 10.45am

 

FOUR-LEGGED FRIENDS & DATING MEMBERSHIPS... WHAT'S THE BEST £10 YOU'VE EVER SPENT? That's all for this week, but before we go... MoneySavers have been sharing anecdotes about their best-spent tenner. For several, it was the path to meeting their spouse, whether it was the entrance fee for a serendipitous dance class or membership to a dating agency. Others bought years of joy with now-beloved family dogs and cats. And a few speculated to accumulate: a busker bought a second-hand banjo that earned back its cost in no time and a lucky chancer bought a voucher for a Mecca Bingo night where they won £500. Let us know about the best tenner you've ever spent in our MSE Facebook post. We hope you save some money, stay safe, The MSE team

 

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