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Plus... 12 plants £9, BIG MoneySaving successes, £17/month MEGAFAST broadband, new funeral plans guide

THE TOP TIPS IN THIS EMAIL

2022's BIG MoneySaving successes, including:
- £9,400 tax rebate
- £1,000 off water bills
- £740 TV haggling New. Top 1.71% easy-access savings Cut funeral costs? £3,360/year energy bill HELL - fix now? 9p Diet Coke, 45p Heinz mustard & more - 10% off past 'before before' food New. FREE £160 bank switch bribe Boots trick - get £37 of No7 for £13.50 Megafast Virgin broadband £17/month Martin: How to boost your credit score FREE water-saving gadgets New MSE calculator: How much are you expected to give your kids for uni? How do you pay for childcare? Take the MSE poll 12 lavender plants £9 Get more bucks for selling books This week's best buys, including 2.7% loans, MSE Car Insurance Compare+, £4/month 5GB Sim Our son got a £20,000 payout - should we focus on saving for our other kids?

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

15 MoneySaving successes of 2022 (so far) to inspire you, including...

- £4,800/year pension credit claim
- £9,400 tax code check reclaim
- £1,000 water meter saving
- £740 Sky haggle saving

In a week where we've seen the Lionesses roar to victory, and athletes from all UK nations enjoying medal success at the Commonwealth Games, we're kicking off this email by rounding up some medal-worthy successes from MoneySavers in 2022 so far. We hope to inspire you to overcome your financial hurdles and achieve your goals. Some require you to go the extra mile, others are swimmingly easy. On your marks, get set, save...

'I applied for PENSION CREDIT and got £1,500 plus £185 every two weeks.' If you're over 65 and have income of less than £200 a week, it's worth checking if you're due pension credit. It can be worth £1,000s a year, but more than 800,000 eligible pensioners don't claim. Check online or call the pension credit helpline to see if you're due. If you don't qualify but know someone who might, help them check too.
Jackie emailed in July: "After hearing Martin talk about pension credit I applied and was awarded a £1,500 lump sum and an extra £185 every two weeks [£4,810/year]. This has changed my life. No one tells you this is available and only thanks to your team am I now getting it."
'I saved £230 following your TRAIN TICKET MoneySaving tips.' Travelling by train can be expensive, but our Cheap train tickets guide rounds up all the ways to cut costs, from split ticketing and railcards to booking in advance and more.
Beth emailed in April after she combined tips to save over £200: "Thank you so much for all the tips - for 4 friends, I bought two Two Together Railcards (through Tesco Clubcard of course, for £20 instead of £60), so got a third off the fare, and split the ticket and got another £10 EACH off! The cost went from £510 for four tickets to £279 - amazing."
'I checked my TAX CODE and found I was owed £9,400.' Legally it's up to you to check your tax code's right. Get it wrong and you can be underpaying £100s or £1,000s, and years later find you're hit with an unaffordable tax bill. Or overpaying, so missing out on money you could have now. Use our Tax Code Guide & Calculator to find out.
Michele emailed in February: "I checked my tax code and discovered I was being taxed on every penny I earned. I'd previously been self-employed, but my code hadn't been updated with my employer. It took an hour on the phone to HM Revenue & Customs, but I've now been refunded £9,400. Thank you Martin and all MoneySavingExperts."
'I saved £564 a year on my MOBILE BILL by switching to a Sim-only deal.' Up to nine million people are out of contract on their mobile phone - and the huge majority of them are overpaying, especially if they're still paying for a phone that's already paid off. Yet, it's simple to save £100s switching to a Cheap Sim-only deal.
Jane saved large and emailed us this week: "I was paying £53 a month with EE out of contract. Thanks to your Sim-only deals page I moved to a £6 a month plan from Smarty. Incredible saving, I'm very happy. Thank you."
'I claimed £240 WORKING-FROM-HOME TAX BACK.' If you were required to work from home, even for ONE DAY, between 6 April 2020 and 5 April 2022 and you are (or were) an employee, you're STILL eligible to claim tax relief worth up to £280 (depending on tax band). Full info in Martin's updated Working-from-home tax back blog.
Len tweeted Martin last week after the blog update: "@MartinSLewis Boom! Applied Wednesday and got email this morning saying I had messages from HM Revenue & Customs, logged in and message says a cheque for £240 is on the way. Thanks so much."
'I HAGGLED £740 a year off my Sky TV, phone and broadband bill.' The best savings usually come from switching, but if you don't want to, haggling with your existing provider can help you slash costs - full help and tips in our Service company haggling guide.

Gary emailed in May about the huge discount he managed to haggle: "I was paying £65 a month for the full Sky package. It was due to rise to £109, so I phoned to see what they could offer and retentions only offered £99 so I cancelled. Within days I was offered 50% off but after further haggling got it down to £47 a month [saving £744/year]."
'I saved £3,700 in interest by switching to a CHEAPER LOAN.' If you're paying off a personal loan, it's worth checking if you can switch to cut costs, especially with current rates starting from 2.7%. See our Cut existing loan costs guide for step-by-step help.
Kevin got in touch in May with his saving: "Just wanted to say thanks. I read about how to cut existing loan costs in your weekly email and managed to get a much nicer 3.4% loan to pay off a pricey 11.9% one. It'll save us almost £3,700 in interest."
'I got a £970 cheque by claiming MARRIAGE TAX ALLOWANCE.' More than two million eligible couples miss out on this easy tax break, worth £252 this tax year, paid via your tax code. You can also backdate it by four tax years if you were eligible, which can net you a cheque for up to £970 on top of this year's gain. See our Marriage tax allowance guide for who qualifies and how to claim.
Ian emailed us back in March: "Many thanks for recommending we apply for the marriage tax allowance. It's resulted in a cheque from the tax office for £968 plus further tax savings each year. It was simple to do and the money is most welcome during these difficult times."
'I'm saving over £1,000 a year after switching to a WATER METER.' As a rule of thumb, if you're in England or Wales and there are more bedrooms in your home than people, or the same number, it's worth checking if you'd save with a free water meter.
Angela emailed us her HUGE saving in April after she pulled the plug on overpaying: "Following your tips, we switched to a water meter now our children have left home and our bills went from £1,360 a year to £325 - saving over £1,000 a year. Thank you."
'I got a £575 SAVINGS bonus from the Government's Help to Save scheme.' Are you on universal credit or tax credits? If so, it's worth checking if you qualify for an unbeatable 50% savings bonus via Help to Save.
Charlotte emailed Martin in May: "I saw one of your shows a while back where you told us about the Government's Help to Save scheme. I set it up and have been paying in the max £50/month and have just received my £575 bonus. Thanks."
'I reclaimed £6,800 in PACKAGED BANK ACCOUNT fees.' These accounts are where you pay a monthly fee for extras such as travel, mobile and breakdown insurance. They're great value for some, but were mis-sold on a mass scale to others. If you've been a victim, our packaged bank account reclaim tool in conjunction with complaints site Resolver can help.
Chris used it and emailed in March to tell us about his massive reclaim: "I am writing to thank you and Resolver - I got a refund of over £6,800 in charges for my packaged bank account from NatWest. They twice refused my claim, but I was not prepared to give up and after several emails and phone calls I received my refund."
'I made £1,100 SELLING a non-working motorbike.' The phrase 'One man's trash is another man's treasure' has never been truer. Many of us have £100s' or £1,000s' worth of items sitting in our homes that we don't use enough to justify keeping. And you might be surprised by what others are willing to pay for. We've rounded up our top tips in our eBay selling guide.
Shardlake tweeted in April after we asked for people's selling successes: "@MoneySavingExp Sold a non-working motorbike, bidding war, went for £1,100 - had been offered £50 by a scrap dealer..."
'I got £1,200 of BANK OVERDRAFT FEES back.' If historic overdraft charges put you into financial hardship, or made your situation worse, check if you're eligible to get them back.
Just last week, Sue got in touch: "I've been successful in claiming £1,200 for bank overdraft fees. I wrote to Santander claiming their overdraft fees were unfair as the fee itself often took me over the limit. The reply came back negative, but I persevered and wrote to the ombudsman - and after 12 months, the money was credited to my account. My sincere thanks to all of the MSE team."
'I saved £280 buying my laptop via AMAZON WAREHOUSE.' This is the less well-known part of Amazon that flogs returned or slightly damaged items for a fraction of the price. See our Amazon Warehouse blog on how you can use it to bag a discount on something you were planning to buy anyway.
It worked for Larry, who tweeted us in April: "@MSE_Deals Got my laptop for £320 instead of £600 from Amazon Warehouse."
'I got an extra £1,400 back by reclaiming TAX ON MY PPI PAYOUT.' With successful PPI reclaims, you didn't just get back what you paid - lenders and insurers also needed to add annual 8% statutory interest on top.
This counts as savings interest, but unlike savings, 20% tax is automatically deducted from interest on PPI reclaims. As most can earn £1,000/year interest without paying tax, if you got a PPI reclaim payout since April 2018, you may be due some back - Martin's Reclaim PPI tax blog shows who can claim and how to do it.
Emma emailed Martin in May: "I wanted to thank you. After watching your programme in 2019 and listening to your advice I claimed a PPI refund and got £17,000 back. Now today I have claimed the tax I paid back - another £1,400."

PS: If these success stories have inspired you, please tell us how much you saved, made or reclaimed.

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.

New. Top easy-access savings now pay 1.71% - the highest rate since 2013. Or get 3%+ if you can lock money away

Things move fast in the savings world. Just a couple of weeks ago, we were telling you about the best easy-access accounts for three years. But Virgin Money's now smashed the competition, launching a market-leading 1.71% account - the highest easy-access rate since 2013. So EVERYONE should check now what savings rate they're getting, and take action if it's below 1.5% - with inflation soaring, it's even more important to maximise every penny of savings interest to mitigate the impact. Here's our latest analysis. All accounts listed have the full £85,000 UK savings safety protection.

Get up to 1.71% on top easy-access savings. Easy-access savings are entry-level accounts where you can put money in and take it out when you want - especially useful if you'll need to dip into them to afford the rising cost of living. All are variable rate, so monitor the interest in case it drops later on. Today's top picks all have pros & cons...
- New. Virgin Money M Plus 1.71% with perks - but leaves a credit file mark. You can put up to £25,000 in Virgin Money's M Plus's* linked savings account. Yet to get it, you'll need to open (though needn't switch to) its bank account, which means a full credit check will go on your credit file - best avoided if you've a mortgage or other important credit application soon. You also get a debit card which is a top pick for overseas use.
If you do switch to it, you get 20,000 Virgin points, which you can convert into various treats, such as 12 bottles of wine, money off flights, or even 100 sausage rolls (though if you're switching, other accounts offer up to £160 free cash).
- 1.5% on savings + 1% cashback. Alternatively, the Chase current account's* linked saver pays a slightly lower 1.5% and works a similar way, though only does a soft credit check, so won't affect future credit applications. Its debit card gives 1% cashback for 12 months on most UK and foreign spending and is also a top pick for overseas use.
- Just want standard savings (not linked to a bank account)? If you just want a straightforward savings account, Yorkshire Building Society* pays 1.55% AER, but only if you've £10,000+ to save in it. If you've less, Zopa pays 1.5% AER from £1, though it's app-only.
Or you can get 3%+ if you can lock money away in a fix. The top fixes pay more than easy access and the rate is guaranteed. The negative is you can't access your cash during the fix, so only lock away what you're certain you won't need. Yet rates change regularly - so always check the latest top fixes. Current top payers include...
- Top 6-month fixes: App-only Atom 2% AER (min £50) or for online access United Trust Bank's 1.96% AER (min £5,000).
- Top 1-year fix: Online access OakNorth Bank 2.85% AER (min £1).
- Top 2-year fix: Online access Shawbrook Bank 3.12% AER (min £1,000).
Is it worth fixing when UK rates are rising? The longer you lock savings away, the longer you forgo the ability to move cash elsewhere if rates improve. Yet with the Bank of England widely expected to increase the base rate again this week, it may pay to stick with top easy-access savings for a couple of weeks to see if rates improve before looking to fix.
Can you boost interest further? Some specialised options in our Savings section pay even more:
- 50% bonus for many on universal credit or tax credits. See Help to Save.
- 25% bonus for first-time buyers aged 18 to 39. See Top Lifetime ISAs.
- Earn up to 5% if you can save monthly. See Regular savings.
- Earn 5% on smaller savings. See Current account savings.
- Prefer to invest? Higher returns, but more risk. See Stocks & shares ISAs.

Updated. Energy price cap now likely to rise by a sickening 70% in October - so should you fix? Another week, another set of horrible energy price cap predictions: industry analyst firm Cornwall Insight now expects October's price cap to be 70% higher than today's (so a staggering £3,359/year on typical use). It's also upped predictions for January's cap - now expected to rise a FURTHER 8% (typically £3,616/year). We've updated Martin's Time to fix? guide with the new figures.

9p Diet Coke, 18p Sharwood's curry sauce, 45p Heinz mustard & more - via 10% off code for already reduced past 'best before' food. MSE Blagged. Approved Food sells cheap groceries near or past 'best before' dates (NOT past 'use by' dates, which are about health). Min £22.50 spend, delivery's £3+. Approved Food

New. Switch banks for a FREE £160 + bills cashback, or £150 + top service. Switchers to the Santander 123 Lite* get a free £160, plus 1% to 3% cashback on many household bills (worth £40 to £80/year for those with mid-to-large bills, after the £2/month fee). Or, if you value cracking customer service, First Direct* pays switchers £150 and was rated 88% 'great' in our last service poll. You also get access to a 3.5% linked regular saver, and many get a £250 0% overdraft. Full details of both, including - crucially - whether you'll qualify, in Best bank accounts.

Boots trick to get £37 of No7 cosmetics for £13.50. Stack offers to load up for less. See No7 trick.

It's back. Megafast 108Mb Virgin broadband just '£17.40/month' - we've not seen cheaper. MSE Blagged. This deal comes and goes, but until Thu 11 Aug, newbies can get this Virgin Media 108Mb broadband & line deal for £22.95/month, with an automatic £100 bill credit (so nothing to pay for four months, unless you make calls). It's equivalent to £17.40/month over the 18-month contract. Can't get Virgin in your area? Use our broadband comparison for the top deals.

Martin's 'protect and boost your credit score' masterclass. In case you missed it last week, Martin shows you how to check your credit reports for free, and gives his 10 tips to make you more financially fanciable. Martin's masterclass

BLAGGED FOR MSE

- 10% off code for discounted 'best before' store Ends 9am Mon
- 108Mb Virgin broadband & line just '£17.40/month' Ends 11 Aug
- 12 lavender or 12 perennial plants from £9 4,900 sets available

DID YOU MISS?

- Amazon Prime ups its price - we've a quick tip to beat it
- Try the MSE app, a new way to use MoneySavingExpert
- Rail strike refund rights
- FREE Burger King cheeseburger or fries
- Poundshop.com 10% off EVERYTHING code

Funerals cost £1,000s - but you could save your loved ones emotional AND financial stress with a prepaid funeral plan

Money in prepaid funeral plans is now protected - though they're not right for everyone

This isn't a topic we're exactly giddy to talk about, but it's important. We all die... and dying is expensive. A basic funeral costs over £4,000, which could easily double depending on the type of send-off you have - a huge sum for a grieving family to find. One option to minimise some costs is to buy a funeral plan, and last week new rules kicked in that protect cash in these plans. We've full details on what you need to consider in our updated Prepaid funeral plans guide, but in brief...

A prepaid plan lets you pay for your funeral essentials in advance - but they DON'T cover everything. You pay a fixed amount to cover a range of services. What's covered depends on the plan - basic ones (costing about £2,000) cover transport and care of your body, a coffin, burial/cremation costs and a funeral director, while a premium plan (about £4,500) will cover extras such as mourners' limos and a posher coffin. The big benefits are:
- Funeral plans are inflation-proof - the price you pay today will still cover your funeral costs, even if these are significantly higher when you die.
- Money spent on a funeral plan isn't considered part of your estate, which means it won't be counted when working out if there's any inheritance tax to pay when you die (unlike savings, which is).
- You can usually spread the cost of them interest-free over 12 months.
But prepaid funeral plans DON'T cover headstones, flowers, wakes or burial plots (which combined can cost £1,000s) - so your family will still need to find cash for these, if they're wanted. See more on what is (and isn't) included.
New. Funeral plans are now regulated - so your money's protected, even if the provider goes bust. See full info on the new protections in our guide, but they mean:
- If the provider goes bust, your funeral will still go ahead, or you'll be able to get your cash back.
- If you have a complaint about a provider, you can now escalate this to the Financial Ombudsman Service.
- You'll still get a funeral if you've instalments left to pay when you die (or a refund if the plan's less than two years old).
Think about the send-off you want, as this will help you find the right plan. Do you want to be buried or cremated, have a particular style of coffin, or lay on transport for mourners, for example? Next look to marry up your wishes and your budget as this will help you narrow down the types of plan to look at. We've a summary of some of the biggest providers' plans to help - see funeral plans compared.
Important. Be very careful if you'll need to pay for a funeral plan over several years - you'll be charged interest and could end up paying far more than the funeral's actually worth.
Remember, funeral plans aren't the only way to pay. There's state help if you're on a low income, and other no-frills, cheaper options. See funeral plan alternatives.

PS: Already got a funeral plan? Check your provider's still authorised to offer them. If it is, there's nowt to do - your plan is protected by the new rules. If not, your firm should refund you or transfer your plan - so check your provider now.

Save water AND money with FREE £20 shower heads, £5 tap inserts and more. Over a million free water-saving gadgets are available - they help stop water waste and can lower bills. Save Water Save Money

New MSE calculator. How much are you expected to give your kids for university? The maintenance loan students get to fund uni costs (such as accommodation, food and travel) is dictated by a means-test of 'family income' (parents' income for most under-25s). The unwritten suggestion is parents are meant to fill the gap. So if your child is going to uni, try our Parental Contribution Calcs: England | Scotland | N. Ireland | plus info for Wales. Want to save now for younger children? Use our Parental Contribution Savings Calculator.

How do you pay for childcare? Let us know your experiences. Whether you use childcare vouchers, Tax-Free Childcare, tax credits or get help from family, tell us how it works for you and any issues you've faced in our childcare survey.

12 lavender plug plants OR 12 young perennial pink plants from £9 delivered. MSE Blagged. Normally £15 to £31. There's 4,900 sets available. Precious Plants

Decluttering? We've tips to get more bucks for your books. MSE Rhiannon compares selling on specialist book apps vs eBay, plus we've codes for up to 20% extra cash via the apps. Sell books for cash

Tell your friends about us

They can get this email free every week

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% (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+): Plusnet '£12.74/month'
Fibre (30Mb+): Shell Energy '£15.58/month'
Superfast fibre (55Mb+): Shell Energy '£16.91/month'
Megafast fibre (100Mb+): Virgin Media '£17.40/month'

On universal credit or similar? Check discounted social tariffs

Top savings accounts

Top easy access: Virgin Money 1.71%, no min deposit
Top one-year fix: OakNorth Bank 2.85%, min £1

Car insurance

Try our new MSE Car Insurance Compare+ tool

Cheap loans

Cheapest for £5,000 to £7,499: M&S Bank* 3.7% rep APR interest
Cheapest for £7,500 to £15,000: Finble 2.7% rep APR (1 to 7 years, by eligibility calculator only)

Best bank accounts

£160 to switch + 1-3% bills cashback (£2/mth fee): Santander
£150 to switch + TOP service: First Direct

Cheap Sims

Up to 3GB data: Lebara, '£3.45/month' for 3GB, unlimited mins & texts
4GB to 9GB data: Lebara, '£3.95/month' for 5GB, unlimited mins & texts
10GB+ data: Lebara, '£4.15/month' for 12GB, unlimited mins & texts

THIS WEEK'S POLL

Have you got a summer holiday booked or have you already been on one? Holidays are back again this year for many, with most travel restrictions now dropped. But many trips have been beset by delays. So this week, we want to know if you've got a summer getaway booked or, if you've had one, whether it was disrupted? Vote in this week's poll.

Nearly half of MoneySavers have checked their credit report in the last three months. Last week, we asked you to tell us when you last checked your credit report and about 3,000 people responded. The vote showed a big split - while nearly half had checked their credit report in the last three months with at least one credit reference agency, almost 40% hadn't checked AT ALL in the past 10 years. See full results.

MSE NEWS

- Top story: Don't auto-renew NS&I Guaranteed Growth Bonds
- Households to get £400 energy bill grant in six monthly payments from October
- Help to Buy equity loan scheme closing to applicants in three months
- Asda Mobile to double prices for pay-as-you-go customers
- New online Government tool tells flat-owners if they need to pay to make their building safe

MONEY MORAL DILEMMA

Our son got a £20,000 payout for an accident - should we focus on saving for our other kids? One of our sons was involved in an accident at nursery and got £20,000 compensation, which has been safely put away for his future. We're now wondering what to do about saving for him and his two brothers - should we continue to save an equal amount for all three of them, or concentrate on saving for his brothers since he already has a large amount put away? Enter the Money Moral Maze: Should we focus on saving for our other kids after our son's payout? | Suggest a Money Moral Dilemma

MSE TEAM BLOG

- Beetles, bathtubs & low-ABV beer - last week's MSE Forum highlights
- Tips and tricks to get more bucks for selling books

MSE TEAM APPEARANCES (SUBJECTS TBC)

Thu 4 Aug - BBC Radio Leicester, Mid-morning with Kelly Hinch, from 11.35am
Tue 9 Aug - BBC Radio Cambridgeshire, Mid-morning with Jeremy Sallis, from 10.45am

LOSING POCKET MONEY OR ADDING UP YOUR COFFEE COSTS... WHAT WAS YOUR MONEY-PIPHANY?

That's all for this week, but before we go... MSE Forumites have been discussing the moment that changed their attitude towards money. For one it was when they added up how much they spent on coffee and realised they could put that money to better use - paying off their credit card. Another recalls pestering his dad for cash so much that his pocket money was stopped, prompting him to get his first ever job. But many said their 'money-piphany' was when they joined the MSE Forum - with one particular Forumite driven to take hold of their finances after help from another. So let us know - what was your 'money-piphany'?

We hope you save some money, stay safe,
The MSE team

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We think it's important you understand the strengths and limitations of this email and the site. We're a journalistic website, and aim to provide the best MoneySaving guides, tips, tools and techniques - but can't promise to be perfect, so do note you use the information at your own risk and we can't accept liability if things go wrong.

What you need to know

This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances - and remember we focus on rates not service.

We don't as a general policy investigate the solvency of companies mentioned, how likely they are to go bust, but there is a risk any company can struggle and it's rarely made public until it's too late (see the Section 75 guide for protection tips).

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Always remember anyone can post on the MSE forums, so it can be very different from our opinion.

Please read the Full Terms & Conditions, Privacy Policy, How This Site is Financed and Editorial Code. Martin Lewis is a registered trade mark belonging to Martin S Lewis.

More about MoneySavingExpert and Martin Lewis

What is MoneySavingExpert.com?
Founded in February 2003, it is now the UK's biggest consumer help website, with more than 12 million users each month and about 8.5 million receiving this email. In September 2012 it became part of the MoneySupermarket Group PLC. Its focus is simple - saving cash and fighting for financial justice on anything and everything. The site has over 80 full-time staff, more than a third of whom are editorial - researching, analysing and writing to continually find ways to save money. More info: See About MSE.

Who is Martin Lewis?
Martin Lewis CBE is the founder and executive chair of MSE, as well as the founder of the MMHPI charity. He's an ultra-focused MoneySaving journalist and consumer campaigner with his own prime-time ITV programme The Martin Lewis Money Show, Radio 5 Live Wednesday show Ask Martin Lewis and weekly slot on This Morning, among others. More info: See Martin Lewis' biography.

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