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New. Shift debt to 25mths' 0% NO FEE card & get £20 cashback Pay interest on a credit card? There's a new price war... now 5 cards PAY you to cut the cost Balance transfers are the key weapon to cut costs if you're one of the millions hit with hideous interest rates. You get a new card that pays off credit or store card debt for you, so you owe it instead, but at 0% - meaning more of your repayments clear the debt. Many of these charge a one-off fee - a percentage of the sum switched - but a host of new cards give cashback which can be bigger than the fee, so you're PAID to cut costs. Here are the 3 best cards that give cashback, plus 2 other top picks... PS: Don't apply willy-nilly - our Balance Transfer Eligibility Calculator shows the cards you've best odds of getting, without hitting your creditworthiness. Plus, go for the lowest fee in the 0% period you're SURE you can repay in. Top if shifting £100-£999. New M&S Bank (eligibility calc / apply*) cardholders can shift debt to 32mths 0% for a 0.99% fee (min £5). But apply via our link and if you shift £100+ by 30 June 2018, you get £25 back. That's more than the fee for transfers of up to £2,525, so you're PAID to shift debt. After the 0%, the rate jumps to 18.9% rep APR.Top if shifting £1k+ & if you can clear the debt within 2yrs-ish. New Barclaycard (eligibility calc / apply*) cardholders can shift debt for up to 25mths 0% for NO FEE (well, it charges 2% then refunds it), and you get £20 cashback if you move £1k+. Whether you get the full 0% length depends on your credit score, so if our eligibility calc shows low odds, you could be better off with M&S Bank above, or Sainsbury's Bank (eligibility calc / apply*) where new cardholders can move debt for 28mths 0%. Again, this has NO FEE (1.5% charged initially & refunded) - and with this and M&S Bank's card, if accepted you definitely get that length. After the 0% period, the rates soar to 19.9% & 18.9% rep APR. Top if shifting £1k+ if you need even longer. M&S Bank's card above wins if you can pay off in 32mths. If you need longer, a different Barclaycard (eligibility calc / apply*) gives new cardholders up to 35mths 0%. There's a 1.35% fee (initially 3.5%, with the difference refunded) but as it pays £20 cashback on &poun d;1k+ transfers, that's bigger than the fee on up-to-£1,480 transfers. For even longer, new MBNA (eligibility calc / apply*) cardholders get up to 36mths 0% with a 1.99% fee . After the 0% period, the rates soar to 19.9% & 21.9% rep APR. Balance Transfer Golden Rules. Full help and ALL best buys: Balance Transfers (APR Examples). a) Clear the card or shift again before the 0% ends or the rate jumps. b) Never miss the min monthly repayment or you could lose the 0%. c) Don't spend/withdraw cash. It usually isn't at the cheap rate and withdrawals hit your creditworthiness. d) Some are 'up to' lengths, so you may get a shorter deal even if accepted. e) You must usually do the transfer within 60/90 days to get the 0% and cashback. |
Married? Are you missing out on a FREE £900? 1m+ married or civil partnership couples still don't claim the marriage tax allowance. It's worth £238 this year, and a £662 cheque for past years. Marriage tax allowance check 100+ supermarket coupons worth £100+, incl FREE £2.40 Almond Breeze milk, £1 off Robinsons squash, £1 off Flora. Get April's vouchers before they run out. 100+ coupons Urgent. Cheap Easyjet winter 2018/19 flights, incl Xmas. Be ready to pounce. See Cheap Easyjet. Asos 'up to 50% off' sale, eg, £85 Levi's for £51, £62 Puma trainers £37. On men's and women's clothing, accessories, gifts and brands. Asos sale Do you have one of the 6m+ unregistered London Oyster cards? You're risking your cash. We've discovered millions could lose out. See why in Oyster warning. 30% off ALL Lego in Toys R Us closing down sale. At 75 remaining stores - limited stock. Can you find it? |
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New. How to get 25% extra Tesco Clubcard pts for ALL of 2018 Plus lots more Clubcard tricks incl beat the deadline to swap vouchers before rewards are slashed Tesco's Clubcard is one of the most generous loyalty schemes... if used right. And there are two big developments all 16m Clubcard holders need to know about. Full help in Boost Tesco Points, here are the main details... New. 25% extra points when you go wallet-free. You normally earn 1pt per £1 at Tesco but it's relaunched a promotion, running till 31 Dec, where for every £4 you spend in store you get an extra point if you pay via its app. How to get a 25% Clubcard boostHuge Clubcard cuts coming - hurry to beat them. You can swap vchs for 2, 3 or 4x their value at many retailers, but in a big shake-up they mostly move to 3x soon. While a few improve, many of the best will get worse including Pizza Express, London Zoo and Lightwater Valley. Tesco had planned an immediate revamp last Jan but after we led calls for it to give people notice, it delayed the change to summer. So time's ticking - but act before 10 June and they'll be valid for 6mths, incl summer hols. Full info, and which rewards are changing, in Clubcard overhaul. More Clubcard tricks, incl reclaim lost vchs. To play the scheme like a symphony you can also: - Reclaim lost Clubcard vchs from the past 2yrs. - Extend Tesco vchs if they're about to expire. - Boost your points haul via online surveys and more. PS: See more tricks for Nectar, Morrisons and Boots collectors in Boost Loyalty Points. |
Sainsbury's gives a sneak peak of Nectar's potential future. It's trialling a major overhaul in the Isle of Wight. Future of Nectar? Avios scheme to close. Members to be moved to BA's club. Full details in Avios closure. 170 begonia plants for £10 (norm £18). MSE Blagged. Or 680 for £20 delivered. 4-8cm plants, 6,000 avail. Jersey Plants Get £125 cashback on £1,200+ investment. Investing can be risky, but if you're going to use a 'robo-investor', get a 10%+ head start with this Moola offer, which includes ISAs. See £125 cashback. Plusnet to raise broadband and call costs. Check if you're hit and how to beat it in Plusnet help. Related: Find the best b'band deal for you with our Broadband Unbundled tool. Virgin Atlantic launches new miles-earning credit cards - any good? See Virgin cards analysis. 15,000 FREE Grand Designs Live London tickets. MSE Blagged. 5-13 May, norm £12+. Grand Designs |
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AT A GLANCE BEST BUYS
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New. Junior ISA allowance UP - get 3.5% on kids' savings Junior ISAs are tax-free accounts for you to save (or invest) for anyone 17 or under. The money is locked away until they're 18, when they're converted into a normal ISA they can access. Last week the annual amount you can put into a JISA increased to £4,260 per child. So are they worth it? Full info in Top Junior ISAs, here are the key numbers... - A JISA is tax-free but kids hardly pay savings tax anyway. So for most, the key is the top rate. See normal kids' savings below, and how their tax on interest works. - Beware - it's their money when they hit 18. Cute toddlers can become rebellious 18-yr-olds, and as it's then their money, even if you planned for them to put it towards a home, there's nothing stopping them blowing it on booze etc. - You can transfer cash Child Trust Funds into cash JISAs. CTFs were opened automatically for kids by the Govt till 2011, when JISAs came in. As they're defunct, they likely pay rubbish interest so it's best to switch. See CTF to JISA transfers. - Is it worth using a JISA to invest? That's down to your attitude to risk. Remember, while investment returns can beat savings, there's a risk you could lose more than you save. See investment JISAs. Earn up to 4.5% in a normal kids' savings account. If you aren't keen on locking away your child's cash in a JISA, the top children's regular savers pay up to 4.5% if you can put away up to £100/mth. For lump sums where you have access, see children's easy-access savings to get up to 3%. I'm a grown-up and fancy these rates. Can I beat the system? You can, yet it's morally questionable and there are things to be aware of. See Martin's (Morally questionable) way to earn 2.5% on up to £50,000 savings. |
5 'mystery' Plain Lazy T-shirts £35 via code (norm £110). MSE Blagged. Men's or women's lucky-dip bundle. Plain Lazy FOUR BIG MONEYSAVING WINS - SUCCESS OF THE WEEK |
THIS WEEK'S POLL What have you taken from a hotel room? Rightly or wrongly, many see a hotel room as a free-for-all. Whether it's complimentary shower gels, tea bags or towels, we want to know what you've ever taken away. What have you taken from a hotel room? Women more frequently visit their bank branch than men. Last week we asked how often you visited your main bank's branch and received over 9,000 votes. Across all ages, women more regularly visited their branch than men. Branch visits were also more common among older groups - with roughly 40% of those aged 65+ visiting within the past week, compared with fewer than a fifth of under-25s. See full bank branch results. |
MONEY MORAL DILEMMA Should I claim money from cash-strapped council? I pay for a parking permit from my council. When I renewed this year, it got lost in the post and I was charged £20 to have it reissued. I think this is unfair and I'm considering fighting to get my cash back. But considering how skint many councils are, should I just let it go? Enter the Money Moral Maze: Should I claim council cash? | Suggest an MMD | View past MMDs THE QUICKIES - Debt-Free Wannabe chat of the week: Dating with no money? |
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MARTIN'S APPEARANCES (WED 11 APR ONWARDS) Thu 12 Apr - Good Morning Britain, ITV, Deals of the Week, 7.40am MSE TEAM APPEARANCES (SUBJECTS TBC) Wed 11 Apr - BBC Cumbria, Money Talks with Helen Millican, from 6pm |
QUESTION OF THE WEEK Q: I have owned my house for the past five years, and now live with my partner who has never owned her own property. Are we eligible for any first-time buyer ISA savings schemes to buy our first home together? Martin, via email. MSE Rosie's A: Happily, you are. Even though you're not a first-time buyer, your partner will still be able to make use of a Help to Buy ISA or - if she's under 40 - a Lifetime ISA for your joint purchase. These schemes let you save towards a property purchase and get a 25% boost to your savings, though there are limits to the max bonus you can get. To be clear, these ISAs are individual products, so your partner will be able to use her full bonus towards your joint purchase even though you're already a homeowner. For full info, including eligibility criteria and the best places to save, see our Help to Buy ISA and Lifetime ISA guides. Please suggest a question of the week (we can't reply to individual emails). |
'FREE LUNCH AND LUXURY SLEEPING PODS'. WHAT ARE YOUR WORKPLACE PLEASURES? That's all for this week, but before we go... we are nicely settled into our shiny new office. While we're enjoying the large selection of meeting rooms, and the beautiful view down London's Oxford Street, it got us thinking... what are your office satisfactions? Free lunch, wonderful colleagues and sleeping pods all feature as MoneySavers share their office pleasures in our brand-new office Facebook post. We hope you save some money, |
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