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DON'T believe the fake ads on Facebook |
STOP paying credit card interest. Shift debt to 27mths interest-free, no fee If you've outstanding credit or store card debt, cutting the interest means more of your repayments clear the actual debt, so you'll be debt-free faster (provided you stop borrowing). The key weapon is a 0% balance transfer, where you get a new card to pay off existing cards, so you now owe it, but interest-free. I don't usually single out one card, but the market's changing, and sadly many top deals have got worse, so now there's one card that's best for most...
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Brexit - as the saga rumbles on, how it impacts mortgages, flights, your rights & more. See the facts when there are facts & Martin's analysis when there aren't in our Brexit guide. 'Free' Nando's meal + 12 more cheeky chicken MoneySaving hacks. Any Nando's discount is rare but MSE's Coupon Kid has the tricks to save you an arm and a chicken leg. Nando's hacks. See also: 20+ McDonald's hacks. O2 customers - are you due compensation after last week's outage? Also affects Giffgaff, Tesco Mobile & Sky Mobile customers. O2 compensation £150 of No7 make-up & skincare for £39 via Boots 'Star Gift'. Hugely popular set, incl day & night cream, mascara etc. No7 set. Another one we correctly predicted in our Christmas Deals Predictor. Ends Fri. 10,000 bonus Virgin Atlantic miles via its credit card. For new customers who spend £1k in 90 days on its fee-free card - enough for a one-way to New York (you pay taxes). Full analysis & options in Airline Credit Cards. Are you getting a fair pint? When you can demand more beer. With Xmas partying in full swing, MSE Kelvin sets out your pint rights. Pls be Drinkaware. |
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Should I buy euros, dollars etc now given... well, Brexit? After the delay to the parliamentary Brexit vote, the pound fell against the euro and dollar to at or near its lowest in about 20mths. On Tue night, £1 was worth just €1.11 and $1.25. So lots of you are asking us...
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Barclays now allows you to block gambling & premium line payments on its cards. The first big bank to do it, following Monzo and Starling. The move is based on research from Martin's Money & Mental Health Policy Institute charity. Find out how Barclays' gambling block works. 3,000 left. £110 cashback on £1,000+ Ratesetter 3%-ish investment. Peer-to-peer investing isn't saving, as it's not risk-free, so ain't for everyone. Yet if you are going to do it, our special link gives an 11% head start on £1k. The deal launched last week for the first 5,000 newbies but 2,000 were snapped up quickly. Full info, incl pros & cons, in Peer-to-Peer Lending. £35 for 7 bottles of wine & 2 glasses delivered (norm £81). MSE Blagged. Via Naked Wines newbies' code. 1,200 cases. Pls be Drinkaware. 'I've made £270 in Amazon vouchers in under 3 months... taking pictures of job ads with my phone'. Find out how you can do the same in Job Spotter success. NHS & emergency services staff discounts, incl 10% off at Iceland & Starbucks. See full list of emergency services discounts. Hamleys £5 off when you spend £50. Plus £10 off £100 at the toy store. Voucher valid in 19 stores. Hamleys |
AT A GLANCE BEST BUYS
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New. FAST broadband & line '£17.67/mth' from BT-owned Plusnet Millions overpay for broadband & line and could make big savings if out of contract by ditching dud deals. The key is grabbing short-lived promos - and many are around this week. All deals are postcode-dependent so use our Broadband Unbundled tool to find the best in your area (links below go there).
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£900 STUDENT LOAN RECLAIM - SUCCESS OF THE WEEK: Enid Blyton collections incl Famous Five - 22-book set for £19 (norm £28). MSE Blagged. See Book People. |
THIS WEEK'S POLL What have you switched in 2018? Sadly, the best deals rarely go to loyal customers. Moving company to a new, hot promo deal is often (not always) the way to slash costs - so this year, have you switched or stuck with what you have? What have you switched in 2018? Most of you have already done all or most of your Christmas shopping. With the big day fast approaching, 57% of respondents to last week's poll said their shopping's finished or nearly finished - though 12% hadn't yet made a start. The 35-49-year-olds were the most organised group, with under-25s most likely to be leaving it to the last minute. See the full breakdown in Xmas shopping poll results. |
MONEY MORAL DILEMMA Should I let my mum keep my car? I live with my mum and we share my car, though I've decided to move out. I want to get rid of the car so I have more money for living costs, yet my mum says she needs it to get to work, but can't afford to pay for it herself. I'll be earning considerably more than her - and I'm torn between what's morally right and my financial stability and independence. Enter the Money Moral Maze: Should I let mum keep my car? | Suggest an MMD | View past MMDs THE QUICKIES - Debt-Free Wannabe chat of the week: Debts piled up, no payments made this year - HELP |
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MARTIN'S APPEARANCES (WED 12 DEC ONWARDS) Thu 13 Dec - Good Morning Britain, ITV, Deals of the Week, 7.40am MSE TEAM APPEARANCES (MOST SUBJECTS TBC) Wed 12 Dec - BBC Radio Cumbria, Money Talks with Ben Maeder, from 6pm, 'how to cut the cost of Christmas food' |
QUESTION OF THE WEEK Q: I have an old bank account I don't use anymore - should I close it or do banks look more favourably on you if you've held an account for a long time? Vanessa, via email. MSE Karl's A: If you've held a bank account for a long time and have managed it well, it may help your credit score. But it's one of dozens of factors that can affect it, and is unlikely on its own to win or lose you a future credit application. If it's 15yrs+ old, it may not influence your score at all. Whatever the case, if it's a rubbish account you may want to ditch and switch and grab a free cash bonus, which may be more important to you than any credit score impact - see Best Bank Accounts. If you're unsure, it's worth checking your credit file for free with the MSE Credit Club - and see our Credit Scores guide for need-to-knows and how to boost your score. Please suggest a question of the week (we can't reply to individual emails). |
DECK THE HALLS WITH HOMEMADE BAUBLES... That's all for this week, but before we go... ever thought of making your own Xmas decorations from bits around the home or from work? MSE Tony's wife has been sharing some of the creations made at the college where she works, including a tree from books and even a fireplace. So what do you think? Have you given it a go or are you tempted to? Let us know in our homemade decorations forum thread - and send us pics of your Xmas efforts. We hope you save some money, |
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