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| DON'T believe the fake ads on Facebook |
| Car insurance costs RISING again - act now to drive down costs Our car insurance system can help you save £100s, even if you're not at renewal Car insurance was one of the few household expenses to fall over much of 2018, but the latest AA figures show the trend is in reverse. There was a 2.7% rise in the final three months of last year, and other surveys predict prices could continue climbing. So slam the brakes on hikes with our Cheap Car Insurance guide - here's our system in brief... Everyone - check if you can get a cheaper price NOW, even if not at renewal. With prices rising, the sooner you check, the better. If midway into a policy and you find much cheaper cover, as long as you've not claimed you can often cancel your policy for a pro-rata refund (minus a £50ish fee, often worth paying for the saving). But you won't get that year's no-claims discount - see switching mid-policy help. MoneySaver John said: "Cancelled £1,726 policy midway for a £345 deal. Amazing, thanks." Ready to check prices? Here's what to do...Step 1. NEVER auto-renew & instead combine comparisons to scour 100s of insurers in mins. The optimum time to check is 21 days before renewal or start of a first policy. If you're closer than that to renewal, hurry, as prices often rise the nearer you get. Comparison sites don't search identical insurers, nor give identical prices, so try as many as you've time for in this order: MoneySupermarket*, Confused.com*, Gocompare*, Compare The Market*. See how we rank 'em. Step 2. Then check big insurers not listed on comparison sites. Aviva* and Direct Line* don't appear, and as they can be competitive, they're worth looking into. Step 3. Then check special deals comparisons miss, incl 'free' £60 Amazon gift card. We've a list of the top deals and while they won't always be best for you, they're worth factoring into your comparison. The standouts are: - £60 Amazon gift card via this Esure* link (ends Sat). - £55 Amazon gift card via this Age Co* link. - £50 in Co-op food vouchers via this Co-op Insurance* link. Rewards can take up to 120 days from policy start date to arrive. Also check if these counter-logical tricks work... - Use trial & error to see if comprehensive is cheaper than 3rd party. - Check if adding extra drivers slashes costs. If they're a lower risk than you, it can bring the cost down. - See if legitimately tweaking your job description cuts costs. More help in our Cheap Car Insurance and Under-25s' Car Insurance guides, including how to bag extra cashback. |
| FREE McDonald's cheeseburger or hamburger via its app till Fri. Dead simple, see free McDonald's. Ends Thu. Cheapest ever 100+Mb fibre broadband & line - '£18.75/mth' from Virgin. As we told you about last week. It's via this special Virgin Media link for newbies on an 18mth deal - available to 50% of the UK (check eligibility via the link). For more options, see our Broadband Unbundled tool. 90+ supermarket coupons, incl FREE £3ish PG Tips. Worth £85+. See top January coupons. Brexit passport checker - will yours still be valid in Europe if there's no deal? It's all about when your passport's end date is. See if you may need to renew early with a Govt passport checker. More ways to BEAT school holiday travel price hikes. We've new tricks incl extra hidden cheap booking dates, how to exploit the Avios system and flying from Scotland. Wendy said: "We live near London but saved £2,000 on our family trip to Crete flying from Glasgow - same hotel, board and dates." See MSE Jenny's Beat school holiday hikes blog. Warning. Pension credit benefit change could cost some £7,000/yr. This applies to many who are over state retirement age, but their partner isn't. Pension credit alert |
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| New. Trick to use sharia savings to beat the best buys Many people's savings are at dire rates, earning less than 1%, which means in real terms they're losings not savings, once you factor in inflation. If you want to earn more, we've simple best buys to up your interest. However, if you're an aggressive saver who likes to be on top of the best rates, we've a trick to boost what you earn further. Let's start with the simple stuff... (All providers below have full £85,000 per person, per institution, savings protection.) - New. 1.55% AER easy access. ICICI Bank UK pays that rate; next best is Marcus* at 1.5% AER. Both are variable rates from a min £1 deposit and incl a 1yr fixed bonus. Keep checking 'em in case the rate drops - for more help and options, see easy-access savings. - 2.03% 1yr fix. Charter Savings Bank pays 2.03% AER (min £1k), or if you've less, app-only Atom Bank offers 2% AER (min £50). If you want to fix for 2yrs, Investec is 2.35% AER (min £25k) or app-only Tandem is 2.3% AER (min £1k). More info, plus longer fixes, in top fixed savings. New. Trick to up your rate - use a UK-regulated sharia fix and grab cashback on top. A sharia savings account is one that follows the Islamic rule that prohibits interest, so the rate paid is an 'expected profit', not interest. It also follows the rule not to invest in the likes of gambling and alcohol. They are open to anyone, of any faith. While there is less certainty you'll be paid the 'expected profit', we're not aware of any UK-based sharia banks that have failed to do so. The 'profit' is taxed like interest. - 1yr fixes. Top payer is Gatehouse Bank which gives a 2.15% 'expected profit' AER on a 1yr fix (min £1k). Yet newbies who apply via savings marketplace Raisin (not direct to Gatehouse) get £10 cashback on £10k to £39,999 (more on larger sums). This in effect ups the rate to 2.25% on £10k. - 2yr fixes. Gatehouse pays 2.35% AER (min £1k), less than fellow Islamic bank Al Rayan at 2.42% AER (min £1k), but via Raisin again Gatehouse pays £10+ cashback if you've at least £10k, which means it can win for some. |
| New. Cheap iPhone XR - with a huge 15GB data for the price of 2GB. The latest iPhone is never MoneySaving, but if you'll get one, at least do it cheapest... like this. We've blagged a top deal for O2 newbies* (via Mobiles.co.uk) to get 15GB data + unltd mins & texts on a 64GB handset. Use code 10MSE at the checkout and it's £165 upfront then £34/mth, plus you're sent a £100 cheque within 3mths. Over the 2yr contract it's about the same price as the cheapest way to bag 2GB with the same phone on any network. For more help, see Cheap iPhones. Boots up to 70% clearance - will it happen? It seemed set to start last week but didn't. We're still chasing, full updates in Boots boost. £20 Ciaté nail polish set (norm £72). MSE Blagged. 12 mini polishes (6ml), incl shimmer & glitter effects. Ciaté Tesco to ditch 3x Clubcard value on rail fares via Redspottedhanky. Due to last till Thu 31 Jan but could be derailed earlier. Rail discount FREE £20 eye test at Optical Express. MSE Blagged. Plus 10% off glasses & free second pair. Free eye test TalkTalk to hit 100,000s of TV customers with £4/mth price rise - how to avoid it. See TalkTalk help. |
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| AT A GLANCE BEST BUYS
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| 8 PlanetSaving tips, incl recycle the 'unrecyclable' Let's be frank, sometimes 'going green' can cost you. But with environmental issues rightly in the spotlight, we've ways you can help save the planet through often lesser known methods AND sometimes save money or even make a few bob. (Of course, while the energy article at the top of this email is about cutting bills, using less is also a good way to go green.) New. Free way to recycle the 'unrecyclable'. From contact lenses to toothpaste tubes, there's a lot we chuck in the general waste, as councils won't always accept them in the recycling bin. Yet we've found ways you can recycle these and lots of other 'unrecyclables' at no cost and help charity too. Forumite arbrighton has been busy recycling coffee pods: "We found local(ish) drop-off points - and go three or four times a year."New. Get cash for tech 'leftovers', eg, empty boxes, instruction manuals & remote controls. To avoid yet more waste, flog them so in effect you recycle the items and get paid. Eg, we've seen Samsung TV remotes go for £50. Get cash for junk Flog old mobiles for up to £500. While you normally get more on eBay, it's usually easier via mobile-reselling sites, eg, £505 for a 64GB iPhone X. Plus specialist sites often test them & sell them on in the developing world at reasonable prices. See how to sell old mobiles. Free water bottle refills. To avoid plastic waste, we've found an app that lists cafés, shops etc that let you fill up for free. This and more in 13 ways to use less plastic AND save cash. Related: Tap water rights in restaurants and bars. Free £17.50 MAC lipstick & other beauty freebies for recycling old containers. Some big brands give freebies if you take certain used containers back. How to bag FREE beauty products. Get £5 off £25 at H&M by recycling old towels, clothes & more. You can take ANY old textiles (eg, clothes, towels, sheets) no matter the brand or condition. How to get a £5 off £25 voucher. Buy a £1 reusable cup to get up to 50p off most Costa, Pret & Starbucks drinks EVERY time. Cut the cost of caffeine. See our coffee cup trick for where to find the cheapest cups and how much it'll save you. Keep the RIGHT food in the fridge to avoid waste. Where's best to store food is a source of debate, but doing it right can lengthen its life. Check where you should keep bread, fruit, veg and more in 12 ways to STOP food-and-drink waste. |
| £1,000 STUDENT LOAN RECLAIM - SUCCESS OF THE WEEK: "Thanks. After seeing Martin talk about how some people have been paying too much towards their student loans, I called and within 10 mins was refunded over £1,000." (Send us yours on this or any topic.) Thorntons extra 15% off sale chocolates via code. MSE Blagged. Even valid on 3for2. £4 del. Thorntons |
| THIS WEEK'S POLL How much data do you use on your mobile? With the growing use of social networks, streaming services, gaming and more all done on mobiles, we wanted to ask how much data do you crunch in a month? MoneySavers say it's acceptable to borrow for houses and cars - but not for Christmas. Last week, we asked what you thought it was right or wrong to borrow for. MoneySavers overwhelmingly said it's OK to borrow for a new home or car, but not for Christmas or hobby gear such as cameras or ski equipment. See full poll results. |
| MONEY MORAL DILEMMA Should our friends pay for part of our holiday? They've asked if we'd like to go on holiday with them. We've given the dates we're free but the only weeks they can travel are more expensive. Is it OK to ask them to pay the difference, given we could've gone for a cheaper deal? Enter the Money Moral Maze: Should our friends pay for part of our holiday? | Suggest an MMD | View past MMDs THE QUICKIES - Debt-Free Wannabe chat of the week: The 'Make up to £10 a day' challenge |
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| MARTIN'S APPEARANCES (WED 23 JAN ONWARDS) Thu 24 Jan - Good Morning Britain - Deals of the Week, ITV, 7.40am MSE TEAM APPEARANCES (MOST SUBJECTS TBC) Wed 23 Jan - BBC Radio Cumbria, Money Talks with Ben Maeder, from 6pm |
| QUESTION OF THE WEEK Q: My annual travel insurance ends in February this year and I'm looking to book a July holiday now. If I fall ill and have to cancel the trip, will I be covered? Mohamed, by email. MSE Tony's A: If you need to cancel your trip between now and February, you'll be covered under your current policy as insurers base their decision on the date you cancel, NOT the date of the holiday. If you have to cancel between February and your holiday, to be covered you'll need a new or renewed policy in place at the time and it's best to start it as soon as the old one ends to avoid a gap in cover. Remember, if you plan more than one holiday, consider an annual policy, but if the July trip will be your only one, a single-trip policy could be cheaper. See full help in Cheap Travel Insurance. |
| MSE MARK'S MATURE MONEYSAVING SHOES - WHAT VINTAGE ITEMS DO YOU STILL WEAR? That's it for this week, but before we go... MSE Mark waltzed into the office last week rocking a pair of boots he's owned for a whopping 10 years - and you wouldn't have known it from looking at them. We used this inspiration to ask MoneySavers on Facebook what golden-oldie items they still wear - they came back with 23-year-old slippers, a 30-year-old jacket and lots more. So in the spirit of vintage MoneySaving, what's the oldest item you still wear? Let us know in our vintage and going strong Facebook thread. We hope you save some money, |
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 admiral.com, ageco.co.uk, aviva.co.uk, comparethemarket.com, confused.com, co-opinsurance.co.uk, directline.com, esure.com, gocompare.com, hsbc.co.uk, marcus.co.uk, mobiles.co.uk, moneysupermarket.com, sainsburysbank.co.uk, santander.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. |
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