Laden...
|
|
|
---|
DON'T believe the fake 'Martin Lewis' or 'MSE' ads |
Two HOT balance transfers: slash existing card debt costs
Go for the card with the lowest fee in the time you're sure you can repay. (Unsure? Go long for safety.) Most longer 0% deals charge a percentage of the debt shifted as a one-off fee - so if you can repay quicker, this is best avoided. Though right now a few top deals include cashback or a voucher which can cover the fee anyway, meaning you can effectively get far longer at 0% than you normally would for little or no fee...
a) Never miss the min monthly repayment, or you could lose the 0% deal and it'll cost far more. Full help and info, including options for poorer credit scorers, in Best balance transfers (APR examples). |
News. Over 1 million overpaid for NHS prescriptions last year - did you? Check here... missed out on a prescription season ticket? ALL Cineworld tickets incl Imax & 4D £3 this Saturday ONLY (+ trick to get 'em for £1). It's got a big one-day discount as part of a sponsorship deal. Full info in Cineworld day. Related: 5 Odeon tickets £25 (don't all need to be used at once). Railcard discounts are back - 33% off code. Slash train costs. Gets a digital railcard via the Trainline app for £20 for 1 year (normally £30) or £47 for 3 years (normally £70). They usually get you 1/3 off travel. Cards include: 16-25 | Family & Friends (1-4 adults 1/3 off if with 1-4 kids, who get 60% off) | Two Together (for any named pair) | Senior. See railcard code. Sky, O2, Three & Virgin Mobile hike prices by up to 11.7% - can you beat the hikes? Many can leave penalty-free - check what your provider's doing and if you can switch. Related: Disney+ hikes bills £20/year for many. Ends Sun. 7p/litre off fuel at Morrisons with £40+ in-store spend. See Morrisons 7p off fuel. |
12m+ tax codes are being sent out - check yours NOW
If you're on a payroll (as an employee) or get a private pension, you'll have a tax code. These characters dictate what tax your employer or pension firm should take via PAYE - see where to find yours. The numbers and letters mean different things - see full details in our guide - but in summary... Use our free Tax Code Calculator to find out if your code is likely right or wrong. Our success of the week comes from MoneySaver Michele, who followed our tip to check past codes...
|
£33 Ted Baker prescription specs (normally £145). MSE Blagged. Via code. SpeckyFourEyes Bag £25 cashback on top 23-month 0% spending card. Apply via our links and accepted M&S Bank 23-month 0% purchases card* newbies (best to check acceptance odds first) get £25 cashback if spending £100 on the card within 90 days. So you could just pay it off IN FULL for the cashback, though this is a top 0% card, so if you NEED to borrow, this is the cheapest way as, used right, there's no interest. Golden rules: 1) Always pay at least the monthly minimum. 2) Clear the debt before the 0% ends or it's 21.9% rep APR interest. Full help in 0% spending cards (APR examples). Ends Sun: Two adults & two kids' mains & drinks for £10 at Morrisons Cafes. See Morrisons deal. NS&I customer? Check if you're missing prize money or interest. A computer glitch means 300,000 customers have had prize payments or interest delayed. See how to check if affected and what to do. 14 couples' MoneySaving tips, including £1,200 tax break & how to make £300 switching banks. In case you missed it last week, read our top tips on how it can pay to join MoneySaving forces. |
Tell your friends about usThey can get this email free every week |
AT A GLANCE BEST BUYS
|
CAMPAIGN OF THE WEEK Donate second-hand kids' books to spread the power of reading. Young people in many families don't have their own books, whether that's through parents' lack of time or confidence to help them, or simply because books are too expensive. The Children's Book Project charity is looking for donations of 'gently used' children's books to distribute to kids who need them most. If you'd like to help, find out where you can donate. |
THIS WEEK'S POLL When did you last make a landline call? To get broadband at home, you often need to have a landline as well. But with many people increasingly turning to video calls or messaging services to communicate, this week we want to know when you last used your landline to make or receive a call. Let us know in this week's poll. Younger MoneySavers are more likely to approve of using a restaurant voucher on a first date. Last week, in our traditional Valentine's poll, we asked if it's OK to use a voucher on a first date, and 2,600 of you responded. And we saw a generation gap, as while over 60% of under-25s viewed using a voucher as a positive, only a third of over-65s saw it the same way. Interestingly, it was older women who were the most likely to disapprove. See the full Valentine's voucher poll results. |
|
---|
MONEY MORAL DILEMMA Is it OK to claim free food to feed my guinea pigs? With the cost of living rising, including the price of food, I've been considering using a food sharing app to collect salad that's going free, then feeding it to my guinea pigs. Is it OK to do this to save money, or should I be leaving it for those who want to eat it themselves? Enter the Money Moral Maze: Is it OK to claim free food for my pets? | Suggest a Money Moral Dilemma |
MARTIN'S APPEARANCES (WED 23 FEB ONWARDS) Wed 23 Feb - Ask Martin Lewis, BBC Radio 5 Live, 1pm. Listen to past episodes MSE TEAM APPEARANCES (SUBJECTS TBC) Tue 1 Mar - BBC Radio Cambridgeshire, Mid-morning with Jeremy Sallis, from 12.40pm |
FREE SAMPLES, AUDIOBOOKS AND... GUARD DOGS? HOW SMART SPEAKERS CAN BE MONEYSAVING... That's all for this week, but before we go... A Forumite asked for some questions to put to her Amazon smart speaker. And fellow Forumites came back with some great MoneySaving suggestions, including: "Alexa, what's free from Audible?" for the latest free audiobooks, "Alexa, send me a sample..." for freebies and "Alexa, add [GROCERY ITEM] to my shopping list", to help stick to a list. And one poster even described how the speakers could be used as a cheap way to deter intruders - including setting timers for lights and playing barking noises while you're out. Find more ideas and add your own in the Smart speakers can be MoneySaving Forum discussion. We hope you save some money, stay safe, |
Important. Please read how MoneySavingExpert.com worksWe 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). We often link to other websites, but can't be responsible for their content. 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 LewisWhat is MoneySavingExpert.com? Who is Martin Lewis? What do the links with an * mean?Any links with an * by them are affiliated, which means get a product via this link and a contribution may be made to MoneySavingExpert.com, which helps it stay free to use. You shouldn't notice any difference; the links don't impact the products at all and the editorial line (the things we write) isn't changed due to them. If it isn't possible to get an affiliate link for the best product, it's still included in the same way. More info: See How This Site is Financed. As we believe transparency is important, we're including the following 'un-affiliated' web-addresses for content too: Unaffiliated web-addresses for links in this email money.co.uk, natwest.com, bank.marksandspencer.com, virginmedia.com, mbna.co.uk, comparethemarket.com, confused.com, moneysupermarket.com, gocompare.com, sainsburysbank.co.uk Financial Conduct Authority (FCA) Note MoneySupermarket.com Financial Group Limited is authorised and regulated by the Financial Conduct Authority (FRN: 303190). MoneySavingExpert.com Ltd is a company registered in England and Wales. Company Registration Number: 8021764. Registered office: One Dean Street, London, W1D 3RB. MoneySavingExpert.com Limited is an appointed representative of MoneySupermarket.com Financial Group Limited. To change your email or stop receiving the weekly tips (unsubscribe): Go to: www.moneysavingexpert.com/tips. |
Laden...
Laden...
© 2024