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| DON'T believe the fake 'Martin Lewis' or 'MSE' ads |
| Don't wait till the last minute to buy car insurance - the perfect time's 20 to 26 days ahead September's peak renewal time. Not due to renew? Check anyway - some can save £100s New car registrations are released in September (and March) - and related to that, these months also see a spike in online searches for car insurance. Yet when we analysed more than 70 million quotes, we found the cheapest time to get car insurance quotes is 20 to 26 days before you want the policy to start - it's more expensive if you're too early or too late, as the graph shows. Earlier this year, we built our Car Insurance Compare+ tool to help you find cheap car insurance. Here's how it works... Fill in one form and we give you quotes, plus our tips to try to get it cheaper. Use Car Insurance Compare+ and you...- Fill in one questionnaire. We've borrowed MoneySupermarket's (we're part of the same group), so if you've used it before, your answers can be auto-filled. - Get MSE cost-cutting tips as you answer. Like our Job Picker tool, which suggests tweaks to your job title that can cut costs (though never lie, as that's fraud and can invalidate insurance). - See your cheapest insurers as a benchmark. These are from the comparison, so you can see them straightaway, but of course we want you to beat them... - Personalised tips to try to cut costs further. These include timing your quote right, whether you should look to add an additional driver or to check multicar policies - often with one-click checks to see if they actually do cut costs for you. - Whether to try other sites to cut costs further. We assess if Direct Line (which isn't in 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 cheapest. Not renewing in September? Check if you can save by switching mid-term. The majority of policies won't be due for renewal in the next few weeks. Yet even if yours isn't, it's worth checking now if you can find a cheaper quote than what you currently pay. If so, you can usually cancel an expensive policy mid-year and move to a cheaper one. As long as you haven't claimed, you'll likely pay a £50ish admin fee (factor that in) and get the rest of the year refunded. Use the Car insurance tool to see if you can save. Holly switched mid year: "Just wanna say thanks for your emails. I wouldn't have thought to cancel my car insurance policy mid-year and start a new one - which is £300 LESS a year." Full help in switching mid-policy. |
| £15 off Sainsbury's, £15 off Amazon Fresh, £5 off Iceland with newbies' grocery delivery offers. Get up to £90 off online shops with our updated round-up of grocery delivery codes. Delivery discounts New. Switch banks for £175 FREE + top service. This week First Direct* boosted its switcher bonus to £175 (was £150). It was rated 88% 'great' in our last service poll, plus gives access to a 3.5% linked regular saver, and many get a £250 0% overdraft too. Full details, including crucial eligibility info and other options, in Best bank accounts. £75 off Ninja air fryer & grill. 3,000 available. MSE Blagged. Normally £250, but £175 with our code. Plus get 20% off pots and pans. Not available in N Ireland. Ninja A-level results warning: putting off uni till 2023 could cost you £10,000s more. For students in England, deferring for a year means you'll be on the new student finance system coming in 2023, and will repay your loan for a much longer period - potentially costing £10,000s more. See student finance shake-up for what you need to know. Hot Diamonds 40% off EVERYTHING - for example, £80 ring for £24. MSE Blagged. Includes already reduced outlet items. Hot Diamonds 5GB data + roam-like-at-home in Europe with '£3/month' Sim - we've not seen cheaper. Newbies to Lebara (uses Vodafone's network) can get a 5GB/month Sim with unlimited minutes and texts for just 1p/month for the first six months, then £5.90/month. Over a year, it's equivalent to £2.96/month, but as it's a one-month contract, you can cancel any time. Plus Lebara doesn't currently charge extra for using your allowances in mainland Europe - useful if you're heading overseas. Need more/less data? Use our powerful Cheap Mobile Finder. 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. |
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| 'I fixed to try and beat the coming huge energy price rises, do they have to honour it?' Unless there's state intervention, the long-predicted, hideous hikes in energy bills will sadly soon come to fruition. The current estimate is an 82% rise in October, then a further 19% rise in January - so bills will then be well over DOUBLE what they are now. To mitigate the rises, Martin's Should I fix energy? guide has for many months shown when to pounce on, and when to avoid, your energy firm's usually short-lived fixed offers. If you haven't fixed, it's worth regularly (weekly or, ideally, even more often) scanning the guide, which has a list, checked and updated every weekday, of firms with fixes worth considering. I've fixed. Can they take it away from me? Many who took advantage of Martin's updates earlier in the year did bag fixes, which now look like they'll save them large amounts. Yet some are worried, like Tony in his email to us..."Following Martin's tip, I took a dual-fuel fix in February this year and have the agreed fix paperwork till February 2024. Will E.on have to honour this even though prices are going through the roof? If this is the case, my direct debit will stay at £120 a month, what a saving. Well done to you all." In simple terms, the answer is yes. A fix means the rates you pay for each unit of gas and electricity are locked in - though what you pay can vary with usage. And if you fix, the energy company must charge you the agreed rate, provided nothing changes with you or it. The main exceptions are: - If you move home (most fixes aren't portable). - If you change the person named on the bill (some firms allow it, but others cancel the fix - even if the change is due to a bereavement). - If you get into arrears (here, the provider can move you to a prepay meter if you don't agree a repayment plan). - If the energy firm goes bust, when you'd likely be moved to a different supplier at the price-capped rate. Of course there are always the unknown exceptions, such as a big anti-consumer change in regulations - yet hopefully that's very unlikely. Already struggling to pay? We've compiled all the help that's currently available, including grants, payment options and more in Struggling to pay energy bills. |
| Struggling with school uniform costs? Check if you can get a grant worth up to £200. Means-tested support is available across Scotland, Wales and N Ireland. In England, only a few councils offer it. See if yours does in our updated council-by-council school uniform round-up, which includes details of how to apply. 'I won £12,500 thanks to the MSE Forum.' Our success of the week is a 'comping' win from MSE Forum user becks171, who said: "I received a call from Absolute Radio telling me I'd won the 'Summer Payday' £12,500. A huge thank you to MSE Forum user Comping_Rich for posting the daily amounts - and a note to anyone who is sick of entering: keep it up, it can totally happen for you too." Send us your MoneySaving successes on this or anything else. Sending a parcel? Royal Mail will now pick it up for free. Till 31 Dec, normally up to 72p. Free parcel collection Get £30 cashback for investing £100. 1,700 available. MSE Blagged. If you plan to 'robo-invest' - where investments are selected for you based on your attitude to risk - then after fees, this InvestEngine deal is equivalent to a 29.3% head start, provided you keep it for at least 12 months. This isn't an InvestEngine recommendation - we don't do investment tips - just if you're going to use it anyway, you can get cashback. Full details in Robo-investing cashback. Students, parents, teachers - buy a Mac or iPad & get up to 10% off + free gift card worth up to £120. Apple isn't MoneySaving, but if you're buying from it anyway, this is a cheaper way. Take a bite out of Apple's prices |
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| AT A GLANCE BEST BUYS |
| THIS WEEK'S POLL How do you rate your broadband provider? We can tell you which are the cheapest broadband providers but to keep our customer service ratings updated, we need your help. Please rate your broadband provider on customer service (not price) over the past six months. Vote in this week's poll. More than half of you avoid using cash. More than 11,000 people responded to last week's poll, with just over 50% telling us they rarely or never use cash. Paying for parking, hair care and food were the top reasons for using it. See the full cashless society poll results. |
| MONEY MORAL DILEMMA Should I use my work perk towards household food shopping, or keep it for myself? My partner and I have always split bills and rent based on our earnings, so he paid more when I earned less, though we now earn about the same. As a work perk, I get a prepaid card topped up with £200 a month as a 'lunch allowance', but I can spend it anywhere. Sometimes I use it to pick up food shops for us both, but it's got me wondering... should I keep it for my lunches, or should I do our food shops on it to make up for when my partner was paying more towards bills? Enter the Money Moral Maze: Should I use work perk towards household food shopping? | Suggest a Money Moral Dilemma |
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| MSE TEAM APPEARANCES (SUBJECT TBC) Tue 23 Aug - BBC Radio Cambridgeshire, Mid-morning with Jeremy Sallis, from 10.45am |
| BROKEN IPADS & OLD CAR TAX DISCS... WHAT ITEMS ARE YOU SHOCKED YOU MANAGED TO SELL? That's all for this week, but before we go... we've enjoyed a bit of nostalgia this week after we unearthed an old MSE Forum discussion in which posters compare the weirdest second-hand items they've managed to shift on eBay and the like. A few made a pretty penny flogging old car tax discs, while one Forumite was shocked to see her old Sindy doll clothing spark an eBay bidding war. Plenty found surprising success selling broken items - one poster nabbed £30 for a Game Boy they'd previously dropped down the loo, and another £50 for an iPad that'd been reversed over by a car. Read others and add your own success in the Things you never thought you could sell MSE 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 shellenergy.co.uk, firstdirect.com, sainsburysbank.co.uk, bank.marksandspencer.com 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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