New 3.5% easy-access savings, 20% off Nike, urgent tax reclaim warning, 2 specs £25, cheapest iPhone 14 £37/mth, 12 motoring savers, 1% cashback on spending

Plus... FREE Lego, British Gas bill cut, are you underpaid?, 5GB Sim '£4/mth'

                                                           

05 April 2023 | View in browser

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THE TOP TIPS IN THIS EMAIL 12 speedy ways to slow accelerating motoring costs, including... - Find cheaper fuel - Cut car insurance costs - Claim £100s for pothole damage Urgent. Tax year ends Wed - check now if you can claim £100s or £1,000s 15GB data Sim '£5/mth' New 3.5% easy-access savings Are you one of 500,000 underpaid on minimum wage? Extra 20% off reduced Nike, Ted Baker, Converse & more Grab unlimited 1% cashback for a year on almost all spending TWO pairs of designer specs £25 Kärcher 20% off code Win! Government makes Economy 7 pricing fairer after Martin's plea Martin's podcast: Should you fix your energy bills? iPhone 14 + unlimited data £37/mth FREE Lego Easter egg toy With British Gas for prepay? You'll now pay less Tesco cuts Clubcard points on fuel Bondi Sands self-tanning set £40 '£600 council tax refund - I'd been paying for my student daughter. Thanks MSE.' Achoo! 180 hay fever tablets £4.79 This week's best buys, including free £200, 4.8% loan, '£19.53/mth' 38Mb fibre Should I share money from selling clothes my friend gave me? 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

As car insurance costs rocket by 20%... 12 speedy ways to slow the accelerating cost of motoring  Including save £100s on car and breakdown cover, free EV charging, find cheaper fuel & more The petrol pumps are one of the few places where the cost of living squeeze is starting to abate (for now, at least) - fuel prices have fallen back to where they were in January 2022. Yet the cost of motoring is still, well, motoring - car insurance has soared a record 21% over the past 12 months, yet another bill growing by double digits this year. There are, of course, big benefits to driving less - for your health and for the environment - but many of us simply have no choice other than to drive. So use our 50+ motoring MoneySaving tips to cut your costs. Here are some of the most important... 1. Find cheaper fuel with a tap of your phone. Using handy website/app PetrolPrices.com, you can find the cheapest forecourt near you in seconds - just punch in your postcode and how far you're willing to travel. For example, we found petrol prices in Hungerford ranging from 149.9p a litre to 171.9p a litre on Tue - a £10ish difference on a full tank. 2. NEVER auto-renew your car insurance - instead use our Compare+ tool and get 100s of quotes in minutes. Major insurers are reporting 20%+ hikes to car insurance, with inflation causing a spike in the cost of labour and parts. So check if you can save with our revolutionary Car Insurance Compare+ tool. Here's how it works: - You fill in one questionnaire. We've borrowed MoneySupermarket's, so if you've used it before, your answers can be auto-filled. Then... - Get MSE cost-cutting tips as you answer. Such as our 'best time to buy car insurance' analysis, which can tell you if waiting to get quotes is likely to give you cheaper prices. - See your cheapest insurers from the comparison as a benchmark. But of course, we want you to beat them... - Personalised tips to try for an even bigger saving. These include whether you should look to add an additional driver or pay annually, not monthly - and some have one-click checks, so you can easily find out if they work for you. - See whether other sites can help slice down your costs even more. We assess if Direct Line (which isn't on comparisons) is likely to be cheaper for you, and give you our latest comparison site order of others to try, as MoneySupermarket may not be your cheapest. Since we launched it a year ago, we've been inundated with success stories, including this from Simon last week: "My insurer's renewal increased from £369 to £506. I used your tool and was blown away with the results - despite adding extra cover, it still came in at £356. Thank you so much for what the whole absolutely brilliant MSE team do to help save the nation money." - Not at renewal? Still check if you can switch and save - see cancel your car insurance for pros and cons. - More than one car? See if Multicar insurance can be cheaper. 3. Time for your MOT? Do easy DIY checks and find 'hidden' cheap tests to save. An annual MOT is a legal requirement (if your car's 3+ years old) - yet a third fail because of avoidable issues. So: - Do DIY checks to help you pass. Broken lights and bald tyres are the most common, fixable fails. Do a 5-min scan with our 9 pre-MOT checks. - Find the right test centre. If your car's in good nick, just go for the cheapest test. If only a few, minor fails are likely, 'hidden' council MOT centres can work. But they won't do fixes, so for bigger fails, you'll want a garage that can do repairs. See how to find the right test centre. 4. Braking burns money, accelerating pumps it out, so do less of both (within reason). By thinking ahead and being aware of your road position, you can accelerate more gradually and brake less suddenly, which can have a big impact on how much fuel you use. See our seven ways to reduce gas guzzling. Ready to join the electric revolution? There are more than 700,000 electric vehicles now on the roads, and with new petrol and diesel cars set to be banned from 2030, more and more are considering going electric. So if you're thinking of getting an electric vehicle (EV) for the first time, or you're already driving one, we've got some help... 5. Learn your EV from your PHEV. There's plenty to get your head around - whether you go fully electric or have a mixture of electric/petrol, how far you can drive it and how easy it is to charge. And while the upfront costs can be higher than petrol and diesel cars, EVs are usually much cheaper to run. Get the basics in Electric vehicles. 6. Already got an EV? See if you can save with an EV tariff. A handful of energy suppliers - the likes of British Gas, Octopus and Ovo - offer special tariffs for charging EVs at home. You typically get a few hours of cheap rates (10p to 12p/kWh), usually overnight, so used correctly you could save £100s/yr. See EV tariffs for full info. 7. Find out where you can charge FOR FREE. If you need to charge when out and about, there are 1,000s of 'free charging' places across supermarkets and other stores - though they're getting harder to find. They're not the fastest, but a buzz of leccy for free needn't be sniffed at, especially with today's prices. See find free electric vehicle charging for how to do it. 8. Full breakdown cover for £57/yr (includes home start & onward travel). AutoAid* has been one of our top picks for years. It covers you, plus your spouse (or live-in partner in some cases) in any car you or they drive. Newbies pay £56.64/yr, or £71.54/yr if your car's over 15 years old, after an automatic £7 cashback through our links. For comparison, an equivalent AA policy is £280/yr bought direct. If basic cover will do, see how to get RAC or AA cover from £48/yr. More help, deals and tips in Cheap breakdown cover. 9. Are you bottom heavy? Take that junk out of your trunk. Don't worry, we're not critiquing your caboose. This is about a few simple things you can do to make your motor more fuel-efficient, such as making sure you don't have a boot full of stuff you don't need, using cruise control at the right times and checking your tyre pressure. It can all make a difference - see our six fuel-efficiency car checks. 10. Pranged by a pothole? You could claim £100s towards damage. In last month's Budget, the Government pledged an additional £200 million towards fixing potholes. That won't help you if your car's just been crocked by one - but using our Pothole claims guide to see if you're owed money might. 11. Is your driving licence out of date? Driving without a valid one could cost you large. Most photocard driving licences expire after 10 years - see how to check if your licence is valid. If you get behind the wheel with an out-of-date licence, you could be fined up to £1,000. Avoid the risk and see how to renew (plus what your rights are while your application's in the works). 12. And lastly... could you say sayonara to your car? The average journey distance for British drivers is less than nine miles, according to Government stats, so think before your grab your keys - could you walk, cycle or go by public transport instead? It's not an option for everyone (it's only really for those in cities), but if you don't drive frequently, it may work out cheaper for you to get the occasional taxi or join a car club when needed. For other ways to cut out the car and save, see 19 ways to cut the cost of train travel and MoneySaving tips for cyclists (and if you're really keen, how Martin averaged 24,000+ steps in 2022). PS from Martin: Hi folks, I'm off work this week & some of next, so I'm leaving this email in the overly capable hands of the MSE team. I want to wish all celebrating a Good Easter or a Pesach Sameach. Otherwise just happiness, whatever you're celebrating or not.

 

 

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.

 

 

 

Urgent. Check NOW if you can claim four tax rebates worth £100s or even £1,000s You've only till 5 April (TOMORROW) to max claims for marriage tax allowance, PPI tax & more With marriage tax allowance, tax on PPI claims, overpaid income tax and uniform tax rebates, you can only backdate reclaims for four tax years (as well as claiming for the current year). So with the new tax year starting on Thursday, you'll LOSE the ability to backdate claims as far as the 2018/19 tax year (so 6 Apr 2018 to 5 Apr 2019). Sort it NOW, as tomorrow (Wed 5 Apr) is your absolute last chance... Apply for marriage tax allowance now or lose up to £238. Around 2.1 million couples eligible for marriage tax allowance don't claim it. To be eligible you must be married or in a civil partnership, and one must be a non-income-taxpayer, the other a basic 20% taxpayer. If so, the non-taxpayer can transfer some of their tax-free allowance to their spouse. If you were eligible for the whole time, this is backdateable by four years, so it's worth a total of £1,242. But from Thu 6 Apr, you can't claim for the 2018/19 year, worth up to £238. Full help, pros & cons in our Marriage tax guide, but if it's worth it for you, it's quick and simple to do. Nick emailed: "My wife transferred her allowance to me as she is self-employed and doesn't earn enough to pay tax. We've just received a cheque for £948.58. Cannot thank you enough for all your tips in these difficult times." Did you have a PPI payout? You're likely due tax back, but go quick. August 2019 was the final deadline for PPI claims through the ombudsman - it was a hugely busy time. And if you had a payout between 6 Apr 2018 and 5 Apr 2019, the deadline's approaching to reclaim that tax. Martin's Reclaim PPI tax blog takes you through it, and it can be worth £100s or even £1,000s, as Emma's email to Martin shows: "I've wanted to thank you for ages. After watching your programme in 2019, I claimed a PPI refund and got £17,000 back. Today I claimed the tax I paid back... another £1,400." Is your tax code wrong? Millions may be - check now. A tax code is a series of letters and numbers - for example, 1257L - which tells your employer/pension provider what tax to deduct. It's YOUR RESPONSIBILITY, not that of HM Revenue & Customs (HMRC) or your employer, to check if it's wrong, and if it is (millions often are each year), it can mean you're overpaying and are due cash back. You've until Wed 5 Apr to do it for the 2018/19 year. Full help's in our Free Tax Code Calc guide, which James read, before emailing: "Having read your info about checking tax codes, we spoke with a couple of very nice people at HMRC. End result, a £4,000 tax rebate between the two of us. Well worth the time, thank you for bringing it to our attention." Wear a recognisable uniform to work? Claim a uniform tax rebate. Even if it's just a branded T-shirt, if you wash or repair it yourself, you can likely claim a tax rebate. The minimum allowance is £60/yr (so it's worth £12/yr for a basic 20% taxpayer, £24/yr for a higher 40% payer). As you can backdate four years, go quick or you'll lose 2018/19. Full help's in our Uniform tax rebate guide. It worked for Rita: "Thanks to your email, I claimed £60 tax relief backdated for five years for work uniform expenses. This was a very simple task to do, thank you." PS: Use or lose your £20,000 2022/23 ISA allowance. They're not right for everyone, but if you need tax-free ISA savings, you need to go now. See Cash ISAs for savers, Lifetime ISAs for first-time buyers and Junior ISAs for children.

 

New. Top 3.5% easy-access savings - with fully unlimited withdrawals. App-only Tandem's 3.5% AER* account pays 3.15%, but hit the 'top-up' button after opening to add a 0.35% 12-mth bonus. Full details & more options in Top savings. On minimum wage? Check you're not being underpaid - 500,000 are. The UK's national minimum wages went up by at least 9.7% on Saturday, yet up to 500,000 are actually receiving less than they should. Check if you're affected (and feel free to share with anyone it's relevant to) in Are you underpaid? Extra 20% off already-reduced Nike, Ted Baker, Converse and more via code. MSE Blagged. Secret Sales sells high-street & designer stock at reduced prices. The code gets extra off. 2,000 codes available. Secret Sales One month left - grab unlimited 1% cashback for a year on almost all spending. Newbies opening the Chase current account* before Mon 1 May qualify for an uncapped 1% cashback on most spending for a year. After that, it'll be capped at £15/mth and you'll need to pay in £500+/mth to get it. Chase also offers a linked 3.1% saver account and the debit card's fee-free for overseas spending, making it a good all-rounder for rewards. Full info & options in Best bank accounts. TWO pairs of designer prescription specs from £25 delivered. MSE Blagged. Includes Aspire, Scout and more. See Glasses Direct. Ends Thu. Kärcher 20% off code - gets, for example, £84 window vac (normally £125). MSE Blagged. Valid on all home and garden products, including already-reduced items. Kärcher code Win! Government makes Economy 7 electricity pricing fairer after Martin's plea. Many Eco 7 users unfairly saw bills rise by 7% in Jan, even though the Energy Price Guarantee didn't change. Martin raised this with the Energy Secretary - and the Government's now changed its rules. Finally you can fix your energy bills - but should you? This and more in the new The Martin Lewis Podcast - listen through BBC Sounds, Spotify, Apple and more.

 

 

BLAGGED FOR MSE - 20% off reduced Nike, Ted Baker & more 2,000 available - Two pairs of designer specs from £25 Ends 13 Apr - 20% off all Kärcher home and garden products Ends Thu - Lebara 5GB Sim '£3.70/month' Ends Mon 24 Apr  - Three 100GB Sim '£8.75/month' Ends Sun 30 Apr - iPhone 14 - 128GB for £37/mth Ends Sun - £74 Bondi Sands self-tanning set £40 5,000 available	DID YOU MISS? - Aldi 40% off outdoor items code - Passport Office strikes - will your application be delayed? - Base rate up (again) to 4.25% - what it means for you - MSE's epic Easter egg taste test - can cheap choc win? - Energy fixes are back - should you do it?

 

 

April's hideous 17% mobile bill hikes have now kicked in, so... Grab 15GB data for just '£5/mth' - or supersize to 100GB for '£9/mth' - simply by switching Sim We've warned that mobile bills were facing double-digit percentage hikes this month - and if you're in contract, there's little you can do to avoid 'em. But if you're one of the NINE MILLION out of contract, check if you're massively overpaying. You may even be forking out for the old 'pay off your handset' contract rates, despite having already paid for the phone. If you're not in need of a new handset, switching to a new Sim-only deal can save £100s (the Sim is the chip in your phone that dictates your data, calls & texts allowance). Our Cheap Sim comparison has all the deals, here's a taster... Top newbies' Sim-only deals All have UNLIMITED calls & texts. Data is the differentiator - use our Data Calculator if you're unsure how much you use MSE Blagged Lebara (on Vodafone's signal) Service poll result: 4/5 5GB for '£3.70/mth': It's £1.49/mth for six months, then £5.90/mth, so an average of £3.70/mth over a year, on a rolling one-month contract (which you can cancel at any time). No-frills firm Lycamobile has a slightly cheaper deal (see it in our comparison), but we've little service feedback, so decided to play safer with this. iD Mobile (on Three's signal) Service poll result: 3.6/5 15GB for '£4.67/mth': The £8/mth price is locked in for the 12-month contract, but you can CLAIM a £40 Amazon or Currys voucher. Factor that in and it's equivalent to £4.67/mth. A strong price for this much data. Virgin Mobile (on O2's signal) Service poll result: 3/5 25GB for '£6.34/mth': It's £8/mth, but you can CLAIM a £20 Amazon voucher. Factor that in and it's equivalent to £6.34/mth over 12 months. It's a one-month contract, so you can cancel at any time. Note: There have been a few technical issues with Virgin's site today (Tue), so if the page doesn't load, try waiting, reloading or try again later. MSE Blagged Three (on Three's signal, obvs) Service poll result: 2.5/5 100GB for '£8.75/mth': The £15/mth price is locked in for the 12-month contract, and you'll automatically get £75 cashback, making it equivalent to £8.75/mth. On a different network and don't want to switch signal? Smaller networks 'piggyback' on the big four's signals (Vodafone, Three, O2 and EE), so you can move provider and keep the same signal. Our Cheap Sims tool lets you filter by network, though not all firms offer 5G, Wi-Fi calling or 4G calling. The tool shows you which do. More Sim-switching need-to-knows... - You can keep your number. Text 'PAC' to 65075 then give the code you're sent to your new provider, who'll transfer it. - Unlock your phone for free. If you're out of contract, your network must let you do this at no cost. See Mobile unlocking. - Don't want to switch? Haggle. Mobile firms are among the easiest to haggle with. Full info in Mobile haggling. - Need roaming help? See our Cheap mobile roaming guide.

 

New. iPhone 14 + unlimited data £37/mth - the cheapest we've seen. MSE Blagged. The latest smartphones aren't MoneySaving, but if you'll buy one anyway, at least do it the cheapest way. Newbies to the Three network can get a 128GB iPhone 14 on a 24-month contract with unlimited data, mins & texts for £37/mth, through Affordable Mobiles. Note: Three is responsible for the contract, Affordable Mobiles for the handset. Want a different handset or a Sim-only deal? See MSE's Cheap Mobile Finder tool. FREE Lego Easter egg toy. In selected The Entertainer stores this Saturday (8 April). Free Lego On prepay with British Gas? You'll now pay less for gas. All prepay energy users will pay no more for gas than those paying by direct debit from July - saving around £45/yr. But British Gas is cutting prices three months early. Tesco cuts Clubcard points at the forecourt. From 14 June, it'll change from one point per £2 to one point per two litres of fuel. This follows several other recent Clubcard & delivery shake-ups - see full details in our Tesco changes round-up. £74 Bondi Sands 10-piece self-tanning set £40, via code. MSE Blagged. 5,000 available. Bondi Sands 'I got a £600 refund as I'd been paying council tax for my student daughter - thanks MSE.' Our success of the week comes from Karen, who found she was eligible for one of many different council tax discounts: "I read your article on the 25% council tax discount you get if you only live with full-time students. I applied to my daughter's college to get proof she attended from 2020 to 2023, and sent this to my local authority. It's now refunding me over £600. Thank you so much for your help MSE." If we've helped you save (on this, or owt else), please send us your successes. Achoo! 180 hay fever tablets £4.79. 'Tis the season, so see our Cheap hay fever meds round-up.

 

 

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AT A GLANCE BEST BUYS 0% balance transfers Longest 0%: NatWest - 30 months 0% 2.99% fee (23.9% rep APR) No-fee 0%: NatWest - 19 months 0% (23.9% rep APR) Best bank accounts £200 to switch + £36/year cashback: NatWest / RBS £175 to switch + TOP service: First Direct Top savings accounts Top easy access: Tandem 3.5%, no min Top one-year fix: SmartSave 4.51%, min £10,000 Car insurance Try our Car Insurance Compare+ tool Cheap loans Cheapest for £5,000 to £7,499: AIB (NI) (apply), 5.6% rep APR Cheapest for £7,500 to £15,000: Sainsbury's Bank (check eligibility / apply*), 4.8% rep APR (must have Nectar card) Broadband top picks Standard (10Mb+): Shell Energy '£16.53/mth' Fibre (30Mb+): Shell Energy '£19.53/mth' Fast fibre (55Mb+): Shell Energy '£19.58/mth' On universal credit or similar? Check discounted social tariffs Cheap Sims Up to 3GB data: Lebara, '£2.94/mth' for 3GB 4GB to 9GB data: Lebara, '£3.70/mth' for 5GB 10GB+ data: iD Mobile, '£4.67/mth' for 15GB

 

THIS WEEK'S POLL Have you got an electric car? The push towards electric vehicles (EVs) is growing - with about 700,000 already on the road, and the sale of new petrol and diesel cars to be banned by the end of 2030, more people will be considering going electric. Have you taken the plunge and bought an EV, or do you plan to in the future? Let us know in this week's poll. Most MoneySavers still carry wallets/purses rather than relying on a digital wallet. More than 10,000 people voted in last week's poll on whether you've ditched a physical wallet for a digital one - the answer was a resounding 'no', with 85% still holding a wallet. See full poll results.

 

 

MSE NEWS - Top story: New cost of living payments to start from 2 May for those on tax credits - On universal credit and struggling to pay your mortgage? Check if you can get help - Dozens more bank branches to close this year - is your local branch one of them? - Easier broadband switching for Virgin Media customers and others delayed

 

 

MONEY MORAL DILEMMA Should I share the cash I get selling the hand-me-downs my friend gave me? My friend gave me a big bag of clothes her daughter had outgrown. My daughter wore and loved them all, and has now outgrown them herself. My friend said she didn't want them back, so I'm planning on selling them. But should I give her half of the profits? She's not short of cash and doesn't use second-hand selling sites, so wouldn't see I was selling them. Enter the Money Moral Maze: Should I share the cash I get selling the hand-me-downs my friend gave me? | Suggest a Money Moral Dilemma

 

 

MSE TEAM APPEARANCES (SUBJECTS TBC) Thu 6 Apr - BBC Radio Leicester, Mid-morning with Summaya Mughal, from 11.35am Tue 11 Apr - BBC Radio Cambridgeshire, Mid-morning with Jeremy Sallis, from 10.45am

 

GETTING RID OF UNWANTED PRESENTS - TO REGIFT OR NOT TO REGIFT? That's all for this week, but before we go... our Forumites are discussing rewrapping unwanted gifts and pawning them off to someone else. One Forumite in particular is sick of getting body lotion sets, and removes items they don't use to pass them on. Another once rumbled a regifting boss, who gave them a cookbook... that had an inscription from the previous gifter. One family has even made a competition out of regifting, seeing how often the same present can be circulated around them before being shipped off to an unsuspecting friend. Tell us your thoughts on regifting in our To regift or not to regift forum thread. We hope you save some money, The MSE team

 

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