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DON'T believe the fake 'Martin Lewis' or 'MSE' ads |
'We've made £2,300 and got 24 free bottles of wine from switching banks, and are due £100s more from stoozing!'
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Trick to grab a FREE £205 bank bribe WITHOUT even switching. The new HSBC £205 switch trick bonus we told you about last week got mostly great feedback, including from Gary, who emailed: "Thank you for your tips on an easy £205 from HSBC. I've just opened it - easiest money I've ever made." So if you missed it, do try it. £27 designer prescription specs (normally £89). MSE Blagged. Via SpeckyFourEyes code - includes Hackett, Jasper Conran, Lipsy and Radley. Specs appeal Ends Fri. Grab one of 5,300 totally FREE £50 investments. This is frankly a ridiculous deal. If you put £50 (or more) into robo-investment firm Wealthify (it picks the investment for you, so it's easy), then after a year it will give you £50 cashback. So put fifty quid in, get the investment, and then you get your money back, so whatever the investment is worth in a year is a win. Even if your investment completely flops, at worst you break-even. See robo-investing.
Millions to get 'benefits' £300 cost of living payment from today. Find who gets what when. From Wed. 600,000 Travelodge rooms £38 or less - can you find 'em? The hotel chain has released more £38 rooms for stays over the Christmas period (excluding London), but it can be trial and error to find one. Travelodge NatWest Group's 5.2% top easy-access savings pipped... but only if you don't need much access. For the last few weeks, a BIG name has surprisingly topped the easy-access savings table: NatWest Group's Ulster Bank* at 5.2% AER (min £5,000) with unlimited withdrawals. Yet now you can get a tad more via Paragon's 5.25% AER (min £1,000), but withdraw more than twice in a year and the rate drops to just 1.5%. Full info & options in Top savings. PS: Marcus savings customer? You can boost your rate by 0.49% with a click. |
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Martin: 'On minimum wage? You may be one of 300,000+ still UNDERPAID. Ensure you get what you're due' Even M&S, WHSmith and employment agencies get it wrong. Pls help SPREAD WORD
If you are or were being underpaid, you've a legal right to be paid more and to back pay. It can be very simple to do and you can remain anonymous when complaining. See full how to claim underpaid minimum wage. As Naf posted in the MSE Forum: "The fact an employer saying 'you need black polo, trousers & shoes' has to be covered, really needs publicising more than it is. Loads of small businesses paying bang on min wage just expect staff to get their own clothing like this. Until I read this guide I had no idea, and I'm pretty good on basic employment rights." Even M&S was named & shamed, so don't think 'I work for a big firm so it must be correct'. In June over 200 companies - including M&S, WHSmith, Lloyds Pharmacy and Argos - were named and shamed by the Govt for minimum wage failings.
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Scam ads law finally comes into effect. Scam ads are a scourge that can destroy people's financial lives and self-esteem. Martin has the dubious honour of being the UK's most scammed face. For years, he and MSE have campaigned to get stronger laws to force social media firms to clamp down on these criminal ads they're PAID to publish. Originally the Government wasn't going to put this into its Online Safety Bill, but we fought hard, got it in, and finally last week that bill (which has many other elements, some controversial) was made law. Full info in new scam ads law. Cheapest ever iPhone 13 £25/mth. MSE Blagged. Newbies to Three can get a 128GB iPhone 13 (its model from two years ago) on a 24mth contract with 100GB data for £25/mth, with no upfront cost, via Affordable Mobiles. So you pay £600 over the 2yrs, about the same price as buying a new iPhone 13 outright. Note that Affordable Mobiles is responsible for the handset, Three for the contract. Want a different handset? See Cheap Mobile Finder. Three months' free access to 7,000+ digital magazines, including Gardeners' World, Vogue. MSE Blagged. For Readly newbies. Mag-nificent Black Friday predictions - what we reckon Amazon, Apple, John Lewis & more will do. While Black Friday's over three weeks away (24 Nov), many sales begin earlier, with some likely to launch this week. See what offers we think are likely, and when, in Black Friday predictions & tips. FREE Homebuilding & Renovating Show tickets (normally up to £13.50). For Harrogate (3 to 5 Nov) and Somerset (18 to 19 Nov). Free tickets |
AT A GLANCE BEST BUYS
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CAMPAIGN OF THE WEEK Can you spare three hours to help get food to vulnerable people this winter? From Thursday 30 November to Saturday 2 December, you can support charity FareShare by volunteering your time in Tesco stores across the UK to encourage shoppers to donate long-life food. The charity will then give donations to those in need via foodbanks. If you can't spare the time, but want to (and can afford to), you can also donate food in store. Volunteer with FareShare. |
THIS WEEK'S POLL How often have you had to dip into your savings? As the cost of living crisis continues to heap pressure on to the finances of many people across the UK, we'd like to know whether you've had to dip into any savings you have. And if so, how often, and why have you needed to dip into your savings pot? Vote in this week's poll. Most kids got their first debit card at age 11. Last week we asked you when you think children should get a prepaid debit card or bank account and just over 2,300 people responded. The most common age for children to get a card was 11, with more than 15% of MoneySaving parents reporting this, which correlates with those who haven't got their kids a card yet - a fifth (20%) said that they'd consider it when their child hits 11. See full results. |
MONEY MORAL DILEMMA Should I get a Disabled Person's Railcard when my condition doesn't really affect me? I qualify for a Disabled Person's Railcard to get 1/3 off rail fares as I have epilepsy. Yet I've not had a fit for over a decade and it doesn't affect my life, apart from having to renew my driving licence every three years. I feel somehow I don't deserve the railcard because my ability to travel isn't affected, and I can afford full-price fares. Should I apply? Enter the Money Moral Maze: Should I get a Disabled Person's Railcard when my condition doesn't affect me? | Suggest a Money Moral Dilemma |
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MARTIN'S APPEARANCES (WED 1 NOV ONWARDS) Wed 1 Nov - Ask Martin Lewis, BBC Radio 5 Live, 1pm |
A FREE CAR, ONE MILLION NECTAR POINTS - WHAT'S THE LUCKIEST THING TO HAPPEN TO YOU FINANCIALLY? That's all for this week, but before we go... to fight back against Halloween horrors we thought we'd share some of the luckiest financial things that have happened to our MoneySavers, who got in touch on our social accounts. One bride-to-be received a £1,500 tax rebate just as she needed to pay off her big day, while a keen fisherman managed to reel in a profit of over £700 on a vintage reel he caught at a charity shop. One person won a Smart car days after passing their test, while another bagged a £10,000 Premium Bond win. Our favourite, though, has to be the lucky shopper who won ONE MILLION Nectar points! (OK, they're worth around £5,000 but one million sounds far more impressive.) Let us know the luckiest financial thing to happen to you in our Facebook and Twitter conversations. We hope you save some money, |
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