5 Ending-NOWs: Free £200, 5.1% savings, Prime Day, 30GB Sim £4/mth, £70 Eurostar | Plus… 'free' Nat Trust pass, extra 20% off Asos & more

And... 25 summer savers, pension & tax help, missing £1,000s childcare?, beat water bill rises

                                                           

16 July 2024 | View in browser

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THE TOP TIPS IN THIS EMAIL 25 summer savers - home & away - Abroad: Passport check, travel money & insurance, delay rights, wee rules - Home: Free food & ent, childcare help, cheap UK hotels, 34% off railcards Are you missing £1,000s childcare help? Beat the £100 water bill rises End Sun or sooner. FREE £200 just for switching bank account 95p National Trust family day pass Ends Wed. 5.1% easy-access savings Extra 20% off code for Nike, Asos etc Today's Amazon 'Prime Day': We separate the deals from the duds 5 must-knows: How to start or consolidate pensions | Inheritance tax rules | Challenge rent rises and more Ends Thu. 30GB/mth Sim just £4 Can you reclaim £100s in overpaid student loans? Ends Thu. £70 Eurostar returns Live 5pm Wed. Ask Martin Anything Warning. Barclaycard customer? Stop your interest DOUBLING Can you get a £50 Tesco bonus? Flight delayed / cancelled due to crew sickness? Many due £100s This week's best buys: 29mth 0% debt shift | 132Mb b'band £22/mth | and more Should I go back to the supermarket that didn't charge me and offer to pay? BEST BUYS & TOOLS MSE Cheap Mobile Finder Credit Club including free credit report 0% balance transfers Compare broadband deals MSE Compare+ Car Insurance 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 Best Sim-only deals

The MoneySavers' home & away summer checklist 25 last-ditch tips for holidays abroad & in the UK; and entertaining & looking after the kids at home Schoooools out for summmmer (in Scotland and N. Ireland, and soon to be across the UK). Whether that's music to your ears or fills you with dread, we're here to help you make it more affordable, with 25 key tips... - Crucial last-second checklist if you're headed abroad - Trips, tips and deals if you're staying in the UK or at home Headed abroad? A dozen last-second savers... Half of you are headed overseas according to our poll. We've full help in our 60+ overseas travel tips guide, but here are the biggies to check... 1. Is your passport valid? Watch for the '10-year rule'. Check your travel party's passports to make sure both that... They have at least 6mths left on them (3mths for EU) on the day you leave. They'll be less than 10 years old on the day you enter the country. If you fail either of those, see our passport rules & renewals guide to check the rules for the country you're travelling to and what to do, or else you may be sent back as you try to fly (or worse, in the airport on arrival). 2. Still time to grab the cheapest way to spend abroad. Spend on a specialist overseas card, and you get the same near-perfect exchange rates in every country that the bank does. And with our top-pick cards you also get cashback in the UK & overseas - meaning, in effect, you get better than the perfect exchange rate. Top easy overseas debit card: Open Chase* (you needn't switch bank to do so, and there's no hard credit-check) and it gives 1% spending cashback up to £15/mth. Even if you're going tomorrow (or are already there) you can do this, as you can load the virtual card into Apple or Google Pay immediately. Top debit card with FREE £200: First Direct* customers also get a top overseas debit card (though no cashback). And currently, newbies switching to it get £175 cash and a £25 Amazon voucher - more info below. Top overseas credit card: Barclaycard Rewards pays accepted cardholders 0.25% cashback, but as it's a credit card ensure you'll repay IN FULL each month or its 28.9% rep APR interest dwarfs the currency gain. The advantage here is Section 75 protection - if you buy items overseas costing £100+, it's valuable extra consumer protection if they go wrong or need returning. This is just the tip of the iceberg - full info & more options in our Top cards for travelling abroad guide. 3. Need a card for under-18s to spend on abroad? It's a whole different selection of mainly prepaid cards. See Top cards for under-18s to spend on abroad. 4. Going to Europe? Don't forget to pack a valid EHIC/GHIC for all the family. These cards give access to state-run hospitals or GPs in EU countries for the same price as a local - so if they don't pay, you don't pay. Yet 4.3m EHICs become invalid this year, so check yours. If it's set to expire, see how to safely get a free GHIC (same card, new name). If it's too late and you're already overseas, you can apply for a Provisional Replacement Certificate. 5. Try the 'rebook trick'... check if your hotel / car hire is cheaper than when you booked. Keep your eyes on cheap hotel comparison sites and cheap car hire comparisons to see if what you booked is now cheaper. If so - and your booking allows free (or cheap) cancellation - rebook for less, then cancel. See rebook hotels trick and rebook car hire trick for help. As Ian emailed us at the end of last month: "I saved nearly £1,000 by cancelling my existing booking (it cost me £100 to cancel) and rebooking on a 4-week holiday to Disney in Florida. Same company, same car! Originally paid in September and rebooked last night. Thank you so much... cannot believe how this can actually happen." 6. Bookmark key pages on your phone in case of flight cancellation or delay. You often have a right to £200+ per person compensation. Bookmark our flight delay & flight cancellation rights guides, so you can read them if it happens - many read them on the plane after their landing is delayed. Plus, you could be eligible to make a retrospective claim for a delay/cancellation in the last five or six years in light of a new court ruling... Martin: Booked but not got travel cover yet? DO IT NOW, DON'T DELAY - do it by the end of this box I've been yelling 'get travel insurance ASAB' (as soon as you book) for years. Yet still too many leave it till the last minute. That's a mistake - half the cover's value is protecting you BEFORE you go, in case something stops you going. Every year, a few people contact me after something awful, like a cancer diagnosis that needs chemo, but the airline or hotel won't refund them (they don't have to). I tell them 'that's what insurance is for, speak to your insurer'. But if they haven't got it yet, we're stymied. So if you're reading this, have booked, and not got insurance, DO IT NOW. Go straight to our Travel insurance best-buys | Over-65s travel insurance best-buys | Pre-existing conditions travel cover guides. I repeat, do it NOW, do not pass go, do not collect £200! PS: See how this works if you've got an annual insurance policy. 7. Need travel cash? Find your cheapest bureau de change in seconds. Our travel money comparison tool compares 15+ bureaux for best rates. 8. Booked car hire? Be prepared for the hard sell on insurance at pick-up - prep now to beat it. If you've booked cheap car hire, it usually includes basic insurance. Yet at the pick-up desk, they almost always try to push 'excess cover' costing up to £25/day so you won't have to pay the excess. You'll hear scare stories of huge bills for just a scratch, and some even try and make you think it's mandatory. Instead, get cheap standalone 'excess' insurance in advance for £2/day. Yet even with it, they'll try to put you off, tell you it doesn't work, or try to make you jump through hoops, so be prepared to... - Leave a refundable deposit of possibly £1,000+ on a credit card. - Often debit cards aren't accepted. - It usually needs to be in the name of the person who booked (though some are the main driver). If not, they won't accept it, so check first. 9. Where tinkling in the sea, wearing flip-flops and more can get you a holiday fine. Know your foreign laws before you go - see our holiday habits warning. 10. Book airport parking ahead - even if it's on the day. Pull up to Stansted Airport without booking, and you'll pay from £315/wk to park. Book ahead, EVEN ON THE SAME DAY, using a comparison site, and it could cost you as little as £89/wk - though generally, booking earlier (and flexibly) is best. Here are our MSE Blagged discounted comparison site links: FHR 8% to 45% off* | SkyParkSecure 5% to 45% off* | Looking4Parking 5% to 45% off* | Holiday Extras 10% to 40% off*. For more deals & tips, see cheap airport parking. 11. When using plastic abroad, don't let them do the conversion, always pay in the local currency. See Martin's pay in euros? blog - it may be a bit dated, but the logic's still right. 12. Don't get stung with hidden roaming charges. Several major networks now charge £2ish/day to use your phone & data package in the EU, so don't get caught out - see full firm-by-firm EU roaming info. Better still, find yourself a cheap Sim from £4/mth for use here and in the EU. For those heading further afield, check out eSims, a digital solution to getting much cheaper overseas usage on your existing package. 13 tips for when at home, and holidaying in UK Whether it's time to fill for you or the kids, or you fancy a UK trip... 13. Paying for summer childcare or clubs for under-11s (U16s with disabilities)? Money may be available. It's tough to work while the children are home - so many rely on clubs, camps and childcare. Yet few know the same support schemes (that work even for those earning up to £100,000) for year-round childcare also apply to those using it just in the summer - as long as it's a registered childcare provider - which many camps and clubs are. Full details in our Are you missing childcare help? note below. 14. Urgent. Does your child get free school meals? Apply for holiday support NOW. The Holiday Activity & Food Programme (HAF) in England gives children aged 4+ at least one meal a day (+ free activities) for at least six weeks a year during the main school holidays. Access to the programme isn't automatic, so apply to the HAF now. It's run by councils, so exact details depend on where you live. There are also schemes available in Scotland & Wales, though not Northern Ireland. 15. Grab a 'FREE' National Trust family day pass (normally £30ish) with 95p newspaper. See National Trust deal for full info, but you can pick up the pass in newspapers until Sunday 21 July. FREE food, sports and more for kids this summer... 16. Feed children for free. Summer costs can be expensive, but there's a totally free bowl of cereal for all adults and kids at Morrisons cafés, and a way to get a free kids meal at Tesco via a 60p purchase with a Clubcard. The other kids eat free deals involve an adult buying a meal. 17. Free crafting, gardening, hamster care and other workshops. Big retailers such as John Lewis and Pets at Home are offering in-store workshops for kids over the summer hols - but places are limited so it's best to book early. 18. Free kids' sports and fitness sessions, including football, tennis, swimming & more. There are two football taster coaching sessions, a big tennis coaching weekend, weekly Zumba and yoga for teens, runs, swimming, netball and more, covered in our free kids' sport & fitness. PS: For far more inspiration on keeping kids entertained, see MSE Jenny's blog on 24 free (or cheap) ways to create a magical summer for kids. 19. Take a child to a West End show for 'free'. When a grown-up pays, a kid aged 17 or under goes free to 50+ shows, including Wicked, Mrs Doubtfire, and Shrek. See Kids Week theatre deal. 20. How to find cheap UK hotels. Our full 22 cheap UK hotel tips guide takes you through it, but here are a couple of our faves... - Secret hotel sites: Where they only tell you a star level and a rough location until you pay, but there are sneaky ways to uncover its real identify before. - Stay in university digs outside term time for a surprisingly cost-effective way of staying very centrally - especially good for Oxford & Cambridge. - How to find top self-catered deals: Our cheap rentals guide includes tips to find five-star accommodation at two-star prices. It's tougher in the school holidays, but we found a three-bed cottage in Devon for £678/wk in late Aug, compared with £1,710/wk for three rooms in a nearby swish hotel. 21. Don't forget your railcard, plus get 34% off a new one. If you're travelling across the UK by train, especially on a long journey, the cost of the railcard is likely to be easily covered by the saving on just that journey - especially as we've a way to get 34% off a digital railcard. The Family & Friends and Two Together (for couples) railcards are particularly useful. 22. Cheaper entry to theme parks. There are no 2for1s available this year, so Tesco vouchers are the primary route to savings - see our discounted theme park tickets info for more. 23. Cheap UK holiday park stays if you start collecting The Sun tokens by Sunday. Its famous '£9.50' holidays deal is back for stays up to June 2025, and while our The Sun holidays analysis suggests they aren't really as cheap as £9.50, decent savings are still possible. 24. £2.50-ish kids' AND grown-ups' cinema tickets. Cinemas put on special family-friendly screenings over the school hols at Cineworld, Odeon and Vue. It's not usually the newest films, but includes recent releases, eg, Kung Fu Panda 4. See our 20+ cinema savers. 25. Hostels are usually dirt cheap, not dirty, eg, stay in a country manor from £25/night. Hostels aren't just for gap-year students in far-flung destinations. There are loads across the UK and they don't have age restrictions (though some aren't suitable for young kids). Don't automatically think bunk bed in a shared dorm either - many offer singles, twins and doubles. Some even throw in free Wi-Fi and breakfast. For example, YHA Wasdale Hall is a 19th century manor in Cumbria with gorgeous views and it costs from £25 a night per person. See MoneySavers' top UK hostel picks.

 

 

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.

 

 

 

Do you pay for childcare? Whether year-round or just in summer, MILLIONS are missing out on £1,000s/yr of help The school summer holidays can add an extra burden on many parents, yet millions may be unaware of the help that's available, both for summer and across the year. Unless you earn over £100,000 a year, don't assume you can't get help. Our Childcare costs guide has full info, but here are the three most important things to check... Step 1. Before you pay for ANY childcare, check if you can get 'FREE' childcare hours each week. If your child is nine months to four years old in England (or three or four years old in the rest of the UK), you can get up to 30 hours of what's often called 'free' childcare a week - though more accurate would be to call it 'funded', as you may need to pay a top-up depending on the cost of the childcare. See how to get funded childcare. Step 2. On Universal Credit (or should be) and PAY for childcare? Check if you can get help. If you pay for childcare, you may be able to get help via the benefits system. It's important you check this first before using the 'Tax-Free Childcare' system below, both as this is almost always better and, if you claim Tax-Free Childcare, it'll stop your benefits. On Universal Credit (UC) and in work? Claim up to £1,739/mth of childcare costs (including if they're just for summer). The maximum childcare provision has been uprated this year, to 85% of childcare costs up to £1,014/mth (for 1 child) or £1,739/mth (for 2+ children). See claiming childcare costs through UC. Earn under £40k-ish (or possibly more) and not claiming UC? Check NOW if you can get it. Martin's rule of thumb is if your household income's roughly under £40,000 (or £55,000 if you've a larger family & pay high rent), then it's worth plugging your info into our 10-min benefits calc to see if you're due owt (not saying you are, just it's worth checking). If you qualify, you'll get what's called the 'child element', worth around £288/mth per child (for your first two children), plus your standard allowance. And, if in work, you may get further help towards childcare costs on top (see point a. above). Still on Tax Credits? You can claim back up to 70% of childcare costs this way. Though some will be better off switching to UC as more childcare money's available that way. Be careful though, seek one-on-one advice before switching. Childcare ISN'T just nurseries & childminders - it oft includes holiday clubs, summer camps etc To count as childcare - for both benefits and Tax-Free Childcare - providers must be regulated in Eng & Wales by Ofsted (which includes the Early Years Register & the Childcare Register), in Scotland by the Care Inspectorate, and in N Ireland by the local Health & Social Care Trust. Many school summer clubs, camps and tutors are, so it's worth asking them (and, if on Tax-Free Childcare, do check they accept it). See how to check if my provider's registered. Step 3. Are you one of 800,000 homes missing out on the up to £2,000/yr Working Family Childcare Top-Up? Do remember if you claim UC or Tax Credits, don't do this, as opening it means ALL your benefits stop. Now a quick note from Martin: "You won't have heard of the Working Family Childcare Top-Up scheme, because it's actually called Tax-Free Childcare - a terrible name that's nowt to do with tax, nor tax-free. It was christened the Tax-Free Childcare system to score political points - but the confusion that name causes is a big reason too few people understand and claim it. So we're campaigning for it to be renamed to something that actually helps, not hinders, understanding." In the meantime, here's how it works... Tax-Free Childcare provides a top-up for working parents of children aged 11 or younger (16 or younger if they have a disability) who pay for childcare. To qualify, you (and your partner if you live with them) must usually: - Be employed or self-employed. - Earn a minimum of the equivalent of 16hrs a week's Minimum Wage (roughly £9,500/yr if aged 21+). - Earn £100,000 or less (after pension contributions). The last Govt promised to consult on shifting this to a household, not individual, cut-off - we're waiting to see if that will continue. If you're eligible, it's a no-brainer - just set up an online account for your childcare costs and, for every £8 you pay in, the state tops it up with £2, up to a max £500 every three months (£1,000 for some with disabilities). For full eligibility and info, see how to get Tax-Free Childcare. As Kiran emailed: "I had no idea about Tax-Free Childcare until I got your email highlighting that I could pay for my after-school care via it and save myself 20% off the fees. Thanks to Martin and his team, I now save around £100/mth. I am so grateful. Thank you."

 

Ends Sun at the latest. Free £200 just for switching bank. Last week, top service bank (91% 'great') First Direct* added a £25 Amazon voucher (via this link) to its free £175 cash for switchers' deal, but that ends on Sunday - or sooner if there's huge demand - so go ASAP (the link will show you if it's still on). And the £175 may not be around much longer either. You also get a top overseas debit card, a 7% regular savings account to put up to £300/mth in & many get a £250 0% overdraft. Rarely offered: Barclays* has a free £175 bank switch deal - it's not done a lot of switch deals before, so fewer will fall foul of 'can't have had a switch bonus from it before' type-rules. Full info on these & others in last week's new & boosted bank switch free cash deals email. 'Free' National Trust family day pass (normally £30ish) with 95p paper. Excludes NT Scotland sites. Days out Ends Wed. Top-pick 5.1% easy-access savings. We've already mentioned it above, but it's a multi-best-buy so pops up a lot. App-only bank Chase* is paying 4.1% variable rate savings, plus until 16 Jan 2025 a 1% point bonus (so 5.1% total) for newbies who open it by 11.59pm Wed (min £1, max £1,000,000). To get the savings, just open its free current account (no hard credit-check & you needn't switch to it). Top easy-access cash ISA: The Trading 212 5.2% cash ISA*, which you can put up to £20,000 per tax year in, does actually pip it though. Do read more info on both of these and more options in Top savings and Top cash ISAs. Secret Sales code: Extra 20% off reduced Nike, Converse, Asos and more. MSE Blagged. High-street & designer stock at reduced prices. 4,000 codes available. Secret Sales Ends Wed. Amazon 'Prime Day' is on now - we sort the deals from the duds, eg, £160 Shark cordless vac deal (was £230). Other decent discounts include a £200 Ninja multicooker (was £303) and a £25 Ring camera (was £50). Plus there's an extra 30% off Amazon Warehouse. See our full 'Prime Day' analysis. Five financial must-knows you won't, usually, find on MSE For five weeks, in Martin's new Not The Martin Lewis Podcast mini-series, he's invited specialists from areas he (and MSE) doesn't cover to dig in to the detail. They've been mega-popular, so if you missed them, here's a reminder (links include the pod and transcripts)... 1) Will you pay inheritance tax? Plus probate help. Main residence rules, gifting, trusts, need-knows. 2) How to start a pension? Should you consolidate existing pensions? Is it ever too late & more... 3) How to get money from your pension? Avoid the BIG tax trap. Annuities, drawdown & more. 4) Can you challenge rent rises? Plus renters rights: repairs, damp, pets, disputes & more. 5) How tax works: Income tax, crypto tax, tax returns, capital gains. Vital info many don't know. Ends Thu. Cheapest 30GB mobile Sim - just '£4.09/mth'. This iD Mobile Sim (uses Three's signal) is £4/mth for the first three months, then £8/mth, but you can CLAIM (don't forget) a £35 Amazon or Currys voucher. Factor that in and it's equivalent to £4.09/mth over the 12mth contract. Want different data / network? Use Cheap Mobile Finder. New pod. Are you one of 4m graduates who can reclaim £100s overpaid student loans? And should you overpay your student loan? These are the big topics of this week's The Martin Lewis Podcast, a must-listen for anyone who's left uni since around 2000 (possibly before if it's not paid off). It's now embedded in our reclaim student loans guide. All this & more via BBC Sounds | Spotify | Apple or wherever you get your Martin fix. Ends Thu. £70 Eurostar returns (plus how to get an extra 5% off). For travel 13 Aug to 23 Oct. Eurostar flash sale. Related: 20% off Interrail 'Global Passes' for travel from 1 Sept.

 

 

BLAGGED FOR MSE - Secret Sales extra 20% off Nike, Asos etc code 4,000 available	DID YOU MISS? - Netflix axing its cheapest 'basic' plan - What'll Keir Starmer do for your wallet? - Exclusive: The top 20 celebs used by scammers

 

 

News. Water bills to rise £100+ over the next five years 5 ways to cut your water bill (some can save £500+)... Water regulator Ofwat's latest contentious proposals mean it'll allow water firms to increase bills by an average of around £100 across England and Wales over the next five years. It says this £88bn rise will lead to a record investment to "reduce pollution, improve customer service, river and bathing water quality" as well as to tackle climate change. Yet this was a third less than water firms wanted, and with Thames Water's solvency possibly teetering... water is in crisis. So most bills will rise, yet there's a huge variance based on where you live, eg, Anglian customers will pay £66 more by 2030, whereas Southern Water customers will pay £183 more (see firm-by-firm water rises). Of course, perversely, with water there's privatisation but no competition, yet that doesn't mean you can't do anything. Our full Cut your water bills guide overflows with tips, but there are five to briefly scan through here... The BIG SAVING: Millions in Eng & Wales can save £100s switching to a FREE water meter? Water bills are based on the old pre-1990 rates system, where the amount paid is roughly based on your home's rental value, not usage. So bigger homes tend to pay more, even if they're using little water. In England and Wales you can get a free water meter, which measures how much you use and bills you accordingly. Here's Martin's simple rule of thumb... ... then there's a good chance you can save, so use a water meter calculator  For some, especially bigger houses with few people, the savings are large. Ursula emailed us: "I got a meter fitted as there are only two of us in a three-bed house. We now pay £16/mth, not £60/mth [so £530 a year less]. Thank you." If your water calc shows savings are likely, you can ask your firm for a more formal assessment if you want. Can you switch back? If you voluntarily fit a meter, with most (though not all) firms you've up to two years to change your mind and go back without penalty (see firms' water meter switch-back policies). Told you can't get a meter? In some ways that's the best route... Some with shared pipes or in flats are told by water firms they can't 'practicably' have a meter fitted. If so, ask for an 'assessed charge bill', which works out how much you'd likely pay if you had a meter. Then if that's cheaper than your normal water bill, switch to it. If not, don't. Karen emailed us: "I moved into my house 4 years ago and was told I couldn't have a meter. Having recently read your advice, one easy call with SE Water resulted in my annual charge dropping to £200pa from £446pa. Thanks so much." On Universal Credit, benefits or have a low household income? Check out social tariffs and WaterSure. Social tariffs are offered by all firms and can reduce what you pay by up to 90%. There are 5.7m ELIGIBLE HOUSEHOLDS MISSING OUT on an estimated £160/yr on average. See firm-by-firm social tariff help. Separately, if you receive benefits AND either have 3+ children OR a medical condition such as Crohn's or eczema which means you need to use more water, you may be able to have bills capped under the WaterSure scheme. Freebies to cut your water use (good even with no meter) - 100,000s available, including £20 shower heads. Water firms across most of the country hand out 100,000s of water freebies. They're especially MoneySaving if you've a meter, but even if you don't, as much of the water we use is heated, they can cut energy bills. Plus, see our 30 water-saving tips. Can you get a sewerage rebate? It's generally assumed that used water creates a similar amount in sewage. Yet if you've a way of draining or storing water - such as a soakaway, cesspit, pool or big garden - that means some of the water you're using isn't going into a public sewer, you may be able to claim a rebate worth an average ~£35/yr.

 

Live 5pm Wed. Ask Martin Anything live on the MSE App. The boss is doing another live video Q&A on the MSE App - download it free via Apple | Android. And make sure notifications are 🔛 so we can tell you it's started. Warning. Barclaycard customer? From Monday you could be paying DOUBLE the interest. The minimum amount most have to repay will drop next week, leaving many in debt for years longer. See Martin's analysis & what's best to do in Barclaycard changes. Tesco shopper? Can you get an up to £50 Clubcard bonus? Tesco's launched a new Clubcard Challenge. Related: Nectar 'shop for points' boost Flight delayed / cancelled due to crew sickness? Many can now claim up to £520 back. The Supreme Court has ruled that crew sickness is counted as the airline's fault, meaning 10,000s may now be able to make retrospective claims. See our flight delay or flight cancellation guides for full info on who's eligible and how to claim.

 

 

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AT A GLANCE BEST BUYS 0% balance transfers Longest 0%: Tesco Bank (check eligibility / apply*) - 29mths 0%, 3.49% fee (24.9% rep APR interest) No-fee 0%: NatWest (check eligibility, NatWest has asked us to link only to our calculator) - 13mths 0% (24.9% rep APR interest) Best bank accounts £175 cash + £25 Amazon vch to switch: First Direct £175 to switch + perks (eg, Apple TV+): Barclays Broadband top picks Fast fibre (100Mb+): Virgin '£22.06/mth' Superfast fibre (500Mb+): Vodafone '£27.63/mth' On Universal Credit or similar? Check all discounted social tariffs Car insurance Try our Compare+ Car Insurance tool Cheap loans Cheapest for £5,000 to £7,499: Tesco Bank (check eligibility / apply*), 7.2% rep APR (for Clubcard holders) Cheapest for £7,500 to £15,000: Tesco Bank (check eligibility / apply*), 6.1% rep APR (for Clubcard holders) Top savings accounts Top easy access: NatWest Group's Ulster Bank 5.2%, min £5,000 Top fix: Nationwide 5.5% for 18mths, min £1 Top energy deals Try our relaunched Cheap Energy Club Cheap Sims Up to 3GB data: Lebara, '£3.13/mth' for 3GB 4GB to 9GB data: Lebara, '£3.23/mth' for 5GB 10GB to 30GB data: iD Mobile, '£4.09/mth' for 30GB 31GB+ data: iD Mobile, '£5.75/mth' for 50GB

 

THIS WEEK'S POLL How do you rate your broadband provider? We can tell you which are the cheapest broadband providers, but to keep our customer service ratings updated, we need your help. So please let us know how you rate your broadband provider on customer service (not price) by voting in this week's poll. Three-quarters of you are going on a summer holiday this year (or hoping to). Last week, with peak holiday season upon us, we asked how many of you are going on a summer holiday this year. Over 5,000 of you responded, with 52% saying you were venturing abroad and 17% going away in the UK. A further 6% are hoping to go somewhere despite not having booked yet. See the full summer holiday poll results.

 

 

MSE NEWS - Top story: Money transfer firm Small World collapses - what to try if your cash is missing

 

 

MONEY MORAL DILEMMA Should I go back to the supermarket that didn't charge me and offer to pay? I did my big shop at a major supermarket and paid with a credit card as normal. Yet when my card statement arrived, I hadn't been charged. Do I go back and offer to pay, so the supermarket doesn't lose out? I'd feel a bit silly as it's been weeks and I don't have a receipt, so I don't know exactly what I bought or how much it cost. Given such a big firm's unlikely to be affected by a one-off loss, I could say nothing and carry on shopping there, but would that make me no better than a thief? Enter the Money Moral Maze: Should I offer to pay the supermarket that didn't charge me? | Suggest a Money Moral Dilemma (MMD) | View past MMDs

 

 

MSE TEAM BLOG - MSE Forum highlights: Baking bread, black tie & bringing down hotel costs - Five ways to manage the stress of budgeting - Bought a new boiler this year? Some could get £100+ back

 

 

MARTIN'S APPEARANCES (TUE 16 JUL ONWARDS) Wed 17 Jul - Ask Martin Lewis, BBC Radio 5 Live, 1pm Thu 18 Jul - This Morning, phone-in, ITV1, 10.30am Tue 23 Jul - This Morning, phone-in, ITV1, 10.30am

 

 

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