Cheap lenses tool, 25p trains, Monsoon 25% code, 4.5% ISA, £5 Odeon, stamp hike, £9 b’band & phone, flash currency sale, PPI

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MoneySavingExpert.com weekly email Cutting your costs, fighting your corner Martin's Money Tips Weds 25 Feb 2012 Cards Reclaim Shopping Deals Utilities Banking Travel Insurance Mortgages Income

Headlines Cheap contact lens finder tool Microchip dogs for nowt Last chance: Beat stamp hike Currency sale + tastecard Reclaim PPI for free Free £3 personal greeting card Monsoon 25% off & other codes 4.5% cash ISA reminder Odeon £5 entry New 5.9% loan 'Free' flight or Eurostar on plastic 25p London-Brum trains 6% children's savings Cheap (Cheep) pet insurance Vouchers Index: Restaurants / Shopping Best buy 0% cards & more MSE News Top story: FSA contacts 76,000 on 'fraud list' Ryanair fees threat over Spain flights Petrol prices hit new high Is the interest-only mortgage dead? Will writers could be regulated Did you miss Popular tips from recent emails Get paid 5% when you spend Pizza Hut delivery 2for1 Earn 4.5% on ISAs new AND old £100 for best bank account Preview of Martin's first ever advert Martin's Quick Briefing For more tips, alerts & inevitable bad puns follow Martin: Get faster, cheaper broadband The top broadband boosting need-to-knows Don't believe the hype. While UK broadband speeds average 7.6Mb/s, many pay for packages offering triple this, but don't get anywhere near it. Time to sort it... 1. Check broadband speed. New ad rules require 'up to' speeds, but just mean a meagre 10% need to get that. So check your broadband speed* then read on to see if one promises less, costs less, but delivers the same. 2. How to boost your broadband speed. Many small things help. 1. Use a shorter cable from phone point to router. 2. Replace microfilters. 3. Plug in, don't wi-fi, for big downloads. 4. Consider a signal-boosting gadget for your phone socket. Much more in the Boost Broadband Speeds guide. 3. Before you switch broadband... 1. Been with provider less than a year? Check leaving doesn't breach contract. 2. Check neighbours' speeds for your new provider with StreetStats*. 3. Sadly, most cheap broadband deals are only available to 80% of the UK. Use our Cheapest Broadband For Me tool to see what's available where you are. 4. NEW! £6/mth broadband + £25 set up. This special link gets Primus* at £5.99/mth + £25 set up, with 10GB monthly downloads and speeds 'up to' 14Mb. For 50p/mth more, BT-owned Plusnet* has good feedback and while its download limit's also 10GB, it's unlimited from midnight-8am — great for scheduling films/games. See our Cheap Broadband guide. 5. New cheapest line rental £6.29/mth. If you only use a landline for broadband, paying line rental's frustrating. So go cheap. Primus has cut its Line Rental Saver* deal to £6.29/mth. To add in inclusive evening & weekend calls, its Home Phone Saver* is £7.99/mth. Alternatively, BT's Line Rental Saver* is £129/year upfront (£10.75/mth). See Cheap Home Phones. 6. Urgent. Cheap broadband AND line rental £9/mth all-in. Sign up for TalkTalk's Essentials package* by 11.59pm tonight (Wed) and it's half price for 12 mths (£3.25/mth), plus you get a £50 Tesco voucher, and line rental is £114 for a year upfront. Factor the voucher as cash and it averages £8.58/mth on a 12mth contract. See TalkTalk Essentials deal & Cheap Broadband. 7. Cheapest unlimited downloads £15/mth + £26 set-up. Watch lots of iPlayer & Netflix, use Spotify, or download games and it's easy to bust limits and pay penalties up to £5/GB. The cheapest unlimited download deal is O2* at £15.25/mth (much cheaper for O2 mobile customers) with speeds 'up to' 20Mb. See our Cheap Broadband guide. 8. Cheapest fast fibre optic broadband £21.49/mth + £55 set-up. The cheapest's Plusnet's Extra Fibre* £21.49/mth package with a big 120GB download limit (unlimited midnight to 8am). Speed is 'up to' 38Mb, and fibre optic is often consistently faster than normal. See Cheap Broadband. 9. Free phone line installation (normally up to £130). Broadband usually needs a landline, which can cost up to £130 to install. Until 20 May the Post Office* has no-cost, no-contract landline connection. You could get it then switch, though it has good packages. See Free line installation. 10. Free antivirus software and office software. Antivirus is crucial. Without it, if you're defrauded via PC, a bank could argue negligence and not cover you. Yet Free Antivirus Programs offer just as much protection as paid-for services. Plus, while you're at it, kit out your PC with Free Office Software incl lots of design/photo programs. 11. Haggle to cut costs. Here are 11 tips for the price of 10. If you can't (or don't want to) switch, then haggle. In our recent poll, 75% of TalkTalk customers and 71% of O2 customers negotiated a better deal. Politely tell it you want a better deal and will ditch it if not. As MoneySaver @japp88 tweeted: "AOL broadband £30/mth, down to £20 with unlimited calls, line rental and 2 mths free." See How To Haggle. Like what we do, tell others too If this email's ever helped you — please encourage friends/family to get it too. Why not forward it and suggest they sign up (it's free) via moneysavingexpert.com/tips? The Ones Not To Miss 25 Apr 2012 New tool. The Cheap Contact Lens Finder Same lenses for less | Uncovers hidden own brands | Compares prices | Saves up to £150 It's all about getting exactly the same lenses as normal, following your prescription, but paying less. To help, we've launched a new Cheap Contact Lens Finder. Tell it what brand & type you use, and it'll show where they're cheapest. You've a right to your prescription. Once your lenses have been fitted, your optician must hand over your prescription, so you can take it to online sellers if they're cheaper. Hidden own brands. The likes of Boots and Specsavers sell own-brand lenses, but they're often reboxed versions of big manufacturers' lenses. Cheap Contact Lens Finder uncovers the real brand and shows where they're cheapest online. Comparing can save £150. Compare 1 Day Acuvue and the new tool shows the cheapest is £306, compared to £456 on the high street. Or there's Ciba Vision Focus Dailies at £372, compared to £555. Use discount codes to slice costs further. There's also 20% off GetLenses (1st orders) and 10% off Lensway — see full Contact Lens Discounts. These are on top of the prices shown in comparisons. Back to top ^ Microchip your dog for nothing. Can cost £30. See Dogs Trust Deals & Cheap Pet Insurance below Last chance. Stock up on stamps. How to beat Mon's price hike. See blog: Profit from stamps? 24hr flash holiday money sale + free YEAR'S tastecard. From 9.30am today (Wed) ICICI's* boosting rates on all currencies for 24 hrs. Plus order £500+ worth, and it gives a 12-mth tastecard (gets 2for1ish at 1,000s of restaurants, RRP £80/yr). To see how good its rates are, check our Travel Money Comparison. Or... get a super-cheap overseas spending card. Most credit & debit cards add a hidden 3% load, so spend £100 of euros and it costs £103. Yet a few load-free credit cards, give PERFECT rates worldwide: Halifax Clarity, Post Office* and for over 50s, Saga* (for Nationwide FlexAccount holders ONLY its Select* card). ALWAYS fully repay each month, or the 11.9%-16.9% rep APRs defeat gains. See Top Overseas Cards & Official APR Examples. You don't need to pay to reclaim PPI Help to do it yourself | Why give 30% of YOUR money away? It's easy for most It's been a big PPI reclaiming week. On Monday, MSE teamed up with Which? to hold a summit with all the banks and the Ombudsman, to work to stop people unnecessarily using claims firms (see summit results). Thousands give away big money needlessly. Plus, to take on their airways dominance, please spread our joint Don't Pay To Reclaim radio ad. Banks have £5 billion aside to be paid out. It's 12 mths since banks lost the court case. Since then, the process for those who were mis-sold's become easier. Banks are now mostly playing ball, so some get money back with just a call or letter — see our Reclaim PPI for Free guide. "I claimed £16,000 back myself" Mark Hare's tweet says it all. "Thanks to the website, I managed to claim £16,000 back. No one should use the companies, it's easy to do yourself." Had Mark used a firm at 30% + VAT, they'd have probably sent a similar template to ours, but he'd have paid £5,760. Not got paperwork? Unsure if you were mis-sold? Many go to claims firms for answers to questions such as: "I can't remember my lender", "I've lost the paperwork" and "can I reclaim from Egg?" Answers in our PPI FAQ Are claims companies ever worth it? If you know the facts and are willing to pay a hefty 30%+, we've no problem with it. Yet many aren't told costs, are wrongly told they can't do it themselves, or that firms have a greater chance of success. If you use a firm, never pay upfront and ensure the fee ONLY relates to the amount repaid (not the whole PPI cost). Be extra-careful if you've arrears — a payout may clear debts, leaving you to find the fees. Back to top ^ Free £3 personalised greetings card. Incl delivery. See: Tesco Card. Urgent Discount Vouchers & Sales Monsoon 25% off BHS 25% off Wallis 20% off & free del Thorntons up to 50% sale House of Fraser up to 70% sale Code & in-store vch Thu 26 - Sun 29 Apr Code & in-store vch Ends Sun 29 Apr Online code Ends Sat 28 Apr In-store & online Ends TODAY (Wed) In-store & online Ends Sun 29 Apr See All Discount Vouchers Urgent. Odeon (2D) cinema entry £5. £6 within M25. Must book today (Wed). See Odeon Deals Reminder! Top best buy cash ISAs On 6 April every UK resident aged 16+ got a new £5,640 allowance to put in a tax-free savings account. If you've savings it's a no brainer. Earn up to 4.5% fixed Easy Access New money only Boost OLD ISA RATES TOO Rate fixed but early withdraw penalties (all accept transfers). For new ISAs, with access to your cash. Rates will plummet in a year so diarise to transfer. Easy access letting you transfer in old ISAs to boost rates, alongside new cash. 1 year: Santander* 3.5% AER min £2,500 Cheshire BS 3.5% AER min £1,000 deposit Santander* 3.3% AER min £2,500 deposit 2 year: Santander* 4% (+0.1%) AER (1) / BM Savings 2 yr 4.05% AER Principality BS* 3.1% AER min £1 deposit NatWest 3.5% AER min £30,000 deposit 3-5 yr: Halifax* 4.25% - 4.5% AER min £500 deposit Nationwide 4.25% AER Its custs only, in branch. Min £1 Principality BS* 3.1% AER min £1 deposit (1)Pays +0.1% if Rory McIlroy wins a major (and lower penalties) All have full UK £85,000 Safe Savings cover Forum Hottie £24 Burt's Bees lucky dip, worth £55ish. Get a mix of 12 full & mini-size bee-based beauty products, incl milk & honey body lotion. It's got forumites buzzing. Deals Note: Burt's Bees New 5.9% loans. If you need to borrow, rates for £7,500 - £15k have finally dipped below 6%. Sainsbury's* is 5.9% representative APR for 1-3 years, 6.1% for 4-5yrs. Full info, help & warnings in Loan Best Buys (also Official APR Examples) Free TWO Eurostar returns, plus European return flights Credit card freebies are back | Just sign up, do your normal spending & Bob's your uncle Credit cards offer saucy freebies to tempt us, hoping they'll earn big bucks from high interest. Yet MoneySavers know better, they grab the deals at no cost. Here are some hot new deals... How to grab rewards at no cost. Just do your normal spending on the card until you hit the 'trigger' amount to get the freebie (you pay taxes). Ensure you repay IN FULL each month, preferably by direct debit, to ensure there's no interest. 'Free' BA / BMI flights, eg, Morocco return, 2x Prague or Eurostar. Accepted new BMI* cardholders who spend £250 within 3mths get 20,000 BMI destinations miles. Yet BMI's being taken over, so in July they can be turned into 20,000 Avios (was Airmiles) points - enough for a BA Zone 2 return (eg, Marrakech, Athens), TWO Zone 1s (Milan, Nice), or TWO Eurostar returns. You just pay £27/return flight taxes (no taxes on Eurostar). Info, pros & cons in BMI Amex Freebie. Fail to fully repay the card, and it's 16.9% rep APR. TWO Free Eurostar Paris/Brussels returns. Accepted new Lloyds Duo Avios* cardholders get an 18,000 Avios voucher if they spend £500+/mth for 3mths; enough for two Paris/Brussels Eurostar returns on some trains (or two zone 1 flights). Yet with this voucher you must book one night in a hotel via Avios's website, rooms are decent but not the cheapest. More info & how to boost the points in Lloyds Duo Freebie. Fail to fully repay the card, and it's 15.9% rep APR. More cards & credit score impact in Credit Card Freebies and Airline Credit Cards (see Official APR Examples). Back to top ^ What's in your pay packet? It's a new tax year — try our Income Tax Calc 2012-13 and Check Tax Code 25p London—Birmingham train tix. 40,000 avail Mon-Sat to 26 May. See Cheap Trains & Coaches Tell friends about us! They can get this free every week! Forum Hottie £10 for 4 mains & 2 sides at Sainsbury's. Ends 1 May. Incl Indian, Chinese, Mexican & Levi Roots cuisine. See Sainsbury's Deals £10-40 West End tix incl Shrek & Wicked. 50 theatres with discounts. See London Theatre Deals Top children's savings — earn up to 6% Ensure ickle ones don't get ickle interest with top junior ISAs, CTFs & savings Don't think kids are immune from banks' tricks. Many once-good deals now pay pitiful rates. Turn your child into a MoneySaver to maximise their interest. All accounts below have £85K Savings Protection. Top Junior ISAs 3.25%. These tax-free accounts allow £3,600/year to be saved or invested for under 18s born before Sep 2002 or after 3 Jan 2011. The top payer's Coventry BS's 3.25% AER. Be aware the money's locked away till their 18th birthday, then it's theirs, so if they want to buy a Porsche, you can't stop them. Pros, cons & more in Top Junior ISAs. Are kids' savings taxed? Children are taxed like grown-ups, so they can earn £8,105/tax year before paying tax (cash from parents is different, see Kids' Tax). Yet barring prodigies, most won't earn this, so their savings attract no tax; thus Junior ISAs' 'tax-free' status isn't such a biggie. Earn up to 6% in the top children's savings. Put £10-£100 away EVERY month for a year and Halifax Kids' Regular Saver pays a whopping 6% AER. The top normal easy access rate is Northern Rock's Little Rock 3% AER. To lock a lump sum away, top deals are all branch-only, including Yorkshire or Clydesdale banks at 4.25% AER for 5 yrs. Or Halifax at 3.7%-4.1% AER for 2-5 yrs. Full help & more best buys in Top Children's Savings. Top child trust funds (CTFs) 3%. Under 18s who can't get a Junior ISA will usually have a CTF. Up to £3,600/year tax-free can be added to these (but the money is then the child's). If your rate's poor, you can transfer to Yorkshire BS 3% AER. Full info: Top CTFs. Back to top ^ Urgent. Travelodge £65/£95 Olympics rooms. Starts Thurs. See Travelodge Deals £38 People Tree goody bags. 500 goody bags (RRP £150+) up for grabs. See People Tree Deals £60 family 4-day holidays. Needs 8 tokens for Jun-Sep at 303 European holiday parks. See Sun Holidays Cheap (Cheep) pet insurance, eg, £50 gift card Don't risk your pet's life. Vets' bills can hit £1,000s — put cash aside or get cover If you've a dog or cat, get insurance, put money aside, or risk making an upsetting decision if hit by an unexpected bill (eg, dog cataracts £1,500). Our updated Pet Insurance guide explains the choices. Here's a taster. Speedily compare dog & cat deals. Benchmark a cheap quote by pet comparisons on Gocompare* and Comparethemarket, then add missed biggies Aviva* & Direct Line*. Free £50 Sainsbury's gift card. Compare those against deals not on comparisons. Sainsbury's* gives Nectar cardholders either 25% off online quotes OR a £50 gift card by phone (so only take voucher if quote under £200). Also try Tesco* which gives a £30 gift card AND up to 25% off online for Clubcard customers. Dog owners — warning. By law cats are free spirits. Dogs aren't, so if they cause injury or damage you're liable. Check your pet insurance covers this. If not your home insurance may, or it's £25/year from The Dogs Trust. Horses, snakes, rabbits &more. No comparison sites for these, so do it manually: Horses & ponies: Petplan Equine*, Animal Friends* & NFU Mutual. More in the guide. Rabbits / budgies / chinchillas: Exotic Direct*. For bunnies, Quotezone*, Petplan* & Helpucover*. Snakes / tarantulas etc: Exotic Direct* is the specialist. Much more help in Cheap Pet Insurance. Related: Slash Car Insurance Costs, Cheap Home Insurance Back to top ^ Ends Mon. Poor credit scorers 0%. The Capital One Classic* card gives 0% till Aug, and accepts some with defaults or CCJs. Yet after, it's a huge 34.9% rep APR, so don't use it to borrow more. Instead see our Capital One Help guide for how to use it for short-term respite from bank charges or payday loans (see Official APR Examples). 5,000 FREE Mind Body Soul Experience tix. Brentwood, off M25, 6 May. See Cheap Days Out Click titles for full info & all top picks Balance Transfers Car Insurance Cheap Loans 0% Spend Cards Barclaycard* 22 mths 0%, 2.9% fee (17.9% rep APR) Halifax* 22 mths 0%, 3.5% fee (17.9% rep APR) Get quotes in this order... Gocompare* Confused* Direct Line* Aviva* Admiral MultiCar* Sainsbury's* (£5k - £7.5k) 7.8% rep APR (Need Nectar card) Sainsbury's* (£7.5k - £15k) 6.1% rep APR (Need Nectar card) Tesco* 15 mth 0% 16.9% rep APR M&S* 15 mth 0% 15.9% rep APR See Card APR Examples & Loan APR Examples Restaurant Vouchers Pizza Hut delivery 2for1 Café Rouge 2for1 for £2.50 Bella Italia 2 for £12 Prezzo 2for1 for £2 ASK 2for1 for £2 BHS cheap fish & chips All Restaurant Vouchers Discount Vouchers Tesco Clothing £10 off £40 Monsoon 25% off BHS 25% off Ocado £30 off £90 for O2 custs Whistles 'free' giftcard with £4 mag B&Q 15% off incl sale All Discount Vouchers Top Deals 1st class stamps stock up before Mon. Burt's Bees £24 lucky dip Dogs Trust dog microchipping West End theatre £20 tix incl Shrek Chiltern Rail 25p Lon-Birm train tix People Tree £38 goody bag More Deals the moneysaving community Applications for MSE Charity grants open for community groups on 1 May. The latest round of funding for charities/groups involved with financial and consumer education projects opens next week. Only the first 40 applications that meet the criteria will be considered, so prepare your case now to submit when the form's released. How to apply: See The MSE Charity Related: The MSE Charity Fund, How this site is financed Book Giveaway RESULT. Vegetable Growing Month by Month. 50 blagged for MoneySavers. Check your inbox to find out if you got one. Real Life MONEY MORAL DILEMMA: Snooping revealed I'm underpaid — should I ask for a rise? This week's MoneySaver who wants advice asks... My boyfriend's aunt is a hotel cleaner and she told me all the girls sneakily check each others' payslips. Recently, they discovered a couple of colleagues on the same grade get a higher hourly wage. They're considering asking for a rise, though this would reveal they've snooped. Should they confess if it could mean a pay rise, or keep schtum to avoid a backlash? Enter the Money Moral Maze: Should they reveal snooping for a pay rise? Previous MMDs: View All Suggest: A Money Moral Dilemma We've turned on Skimlinks for some forum users, in some boards. Forum users — please read our Skimlinks factsheet where we explain all. We've added this to our site terms & conditions. Spill the beans... on your car boot sale tips, tricks and steals Who doesn't love the atmosphere of a car boot sale? It's a great place to flog your old furniture or get a look-in at the decent stuff. We'd like to know your tips on when to go, what to buy, what not to buy and how to haggle. Spill 'em: Your car boot tips, tricks and steals Past topics: View all RNIB says: Ask your bank to improve accessibility RNIB, the charity offering support, advice and information for anyone with sight difficulties, has released a banking experience guide to help banks improve accessibility (good read for small biz too). If you're one of the UK's 2m blind or partially sighted people, or have spotted issues in banks (many are in the booklet), speak to your local branch. Suggest a campaign: This is for MSE to support the work of other charities, community groups and campaigners. Send your campaign of the week suggestion. Spill the beans... revealed on which firms ignore your 'no cold callers' sign We were shocked and disappointed by how many companies ignore your signs, either because they don't care because it doesn't apply to them or out of sheer audacity. Double glazing companies featured high on the list of culprits, as did TalkTalk and, surprisingly, a number of animal charities. CHEAP FLIGHT SALES ALERT: Airline: Ryanair Sale: £10.99 each way Ends: Thu 26 Apr Our pick this week is Ryanair's from £10.99 each way flights. It's on various routes for travel Mon-Thu, 7 May to 28 Jun 2012, and includes some taxes and charges. Flights include Birmingham to Trieste for £11 each way. To find flights quickly, use the FlightChecker on a £40 return max search. Extra charges warning: Avoid payment and check-in charges — see the Budget Airline Fee Fighting guide. Related: Cheap Flights, Cheap Hotels, Spending Abroad, Cheap Currency, Travel Insurance Back to top ^ Quick Forum Tips Top Deal: 4X Branston baked beans £1 at Asda. Bean yet? £6 kids' picnic lunch bags in the John Lewis clearance sale. Take your pick-nic £6.35 for 100X Love Hearts mini rolls at Amazon. Spread the love £15 Breville slow cookers, (usually £30) at Debenhams. Be quick! Debt Free Wannabe chat of the week: Finally — DEBT FREE Competitions thread of the week: A Michelin-starred break with Stylist Magazine Old Style (Thrift) Board thread of the week: Meal for two for 50p. Suggestions? More Tips: Tips, Tricks & Treats Andrea's Freebies Garden Planner 30 day trial Airplane puzzle pack Thierry Mugler perfume Pukka herbal tea       More Tips: Tips, Tricks & Treats Martin's Blogs Scary inmate Lewis... The 'everyone tell Starbucks your name is Bob' campaign Team Blogs How does Tesco's virtual fitting room measure up? Beat London Marathon charity fatigue Martin's Appearances Thursday 26 April  Lorraine, ITV1, between 8.30 & 9.30am. Real Deals. Shelagh Fogarty, Radio 5, 12-1pm.  Consumer Panel. Monday 30 April This Morning, ITV1, between 10.30am & 12.30pm. Subject tbc. Tuesday 1 May Daybreak, ITV1, between 7 & 8.30am.  Children's Savings. All Martin's Appearances Cheap Travel Money UK's Best Currency Rates £100 will buy you: Best Worst € 122.20 109.30 $ 161.06 144.17 TL 281.50 243.66 Rates correct at 4pm Tues Find all top currency rates Compare travel cash This week's poll: When did you last transfer your cash ISA(s)? ISA providers love to suck people in with great rates, then drop 'em. Yet you've a right to massively boost the rate through a top cash ISA transfer. Which of the following is nearest your situation? I don't have cash ISAs Vote Transferred within last fortnight Vote Transferred within last year Vote Needn't transfer as my rates are near best possible / locked-in Vote Got ISAs and didn't know I could transfer Vote Not transferred for over a year and rate poor/unknown Vote Not transferred for over 5 years, and rate poor/unknown Vote Poll Results Are you taking a holiday this summer? Almost 25,000 of you voted in last week's poll and the results were surprisingly similar for individuals/couples and families with kids. Nearly 7,000 are holidaying in Europe/the Med, but 20% are staying away in the UK. A fifth aren't planning a holiday at all. See Full Results Question Of The Week Q: When going abroad we search for the best deals on exchange rates, but there is little information to help us get the best return on leftover cash. Who offers the better exchange rate for euros to pounds? MSE Alana's A: Our TravelMoneyMax tool has a search to compare both buying travel money and, on the buyback tab, selling travel money. It's likely the rate you'll get won't be so good as exchanging the other way around, though. Plus be aware you can only convert notes, not coins, and there is a time limit with old currencies (such as pre-euro francs). If you often end up with leftovers, consider getting one of the Top Cards for Spending Abroad if you can make purchases by card rather than cash. This is usually cheaper than converting currency, plus it's safer than carrying large sums. Please suggest a Question of the Week (we can't reply to individual emails). Board Of The Week The Over 50s Money Saving Board Tips and tricks for over 50s MoneySavers. Recent discussions include Good smartphone for older person?, Bus passes and Online dating for seniors? Back to top ^ Archna's FREE GAME OF THE WEEK: Boom Town Is Martin a contortionist who wears women's shoes? We all had a bit of a giggle here at MSE Towers when MSE Paloma spotted this link to a funny snap of Martin she spotted in the forums (well done amistupid). Is Martin a contortionist who wears women's shoes? Your captions, please. We hope you save some money, Martin & the MSE team

Important. Please read how MoneySavingExpert.com works 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 guarantee 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 we 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 and how this site is financed. Martin Lewis, MSE, Money Saving Expert, MoneySavingExpert and Moneysavingexpert.com are registered trademarks belonging to Martin S Lewis. More about MoneySaving Expert and Martin Lewis What is MoneySavingExpert.com? Founded in February 2003, it's now the UK's biggest consumer help website with over 6 million people getting this email and nearly 10m using the site. Its focus is simple: how to save cash and fight for financial justice on anything and everything. The site has over 30 full time staff about half 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 set up and runs MSE, he's an ultra-focused money saving journalist and consumer campaigner. He has regular slots on Daybreak, Lorraine, Radio 2 Vine, BBC1 Watchdog, Radio 5 Consumer panel and presents ITV Tonight. He is a columnist for amongst others the Sunday Post as well as an author. More info: See Martin Lewis' biog What do the links with a * mean? Any links with a * 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 product at all and the editorial line (the things we write) isn't changed due to it. 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 Broadbandchoices.co.uk, uswitch.com, plus.net, primussaver.co.uk, productsandservices.bt.com, sales.talktalk.co.uk, o2.co.uk, postoffice.co.uk, saga.co.uk, nationwide.co.uk, santander-products.co.uk, halifax.co.uk, principality.co.uk, sainsburysbank.co.uk, avios.com, flybmi.com, gocompare.com, aviva.co.uk, directline.com, tescobank.com, petplanequine.co.uk, animalfriends.org.uk, nfumutual.co.uk, exoticdirect.co.uk, quotezone.co.uk, petplan.co.uk, helpucover.co.uk, capitalone.co.uk, barclaycard.co.uk, confused.com, admiral.com, natwest.com, money.marksandspencer.com, capitalone.co.uk, icicibank.co.uk. Financial Services Authority (FSA) Note Referring people to insurers or insurance intermediaries can in some circumstances require FSA authorisation. For this reason, Martin Lewis of Shepherd's Studios, Charecroft Way, Shepherd's Bush, London W14 0EH is authorised and regulated by the Financial Services Authority. To change your E-mail or stop receiving the weekly tips (unsubscribe): Go to: www.moneysavingexpert.com/tips