iPhone vs Samsung, New Look 25% vch, Domino’s 2for1, flight delay compo, free £40 shampoo etc, 15p off petrol, ‘free’ £20 Dwell, reclaim PPI, £21 Travelodge

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	Cutting your costs, fighting your corner	Martin's Money Tips Wed 7 Nov 2012
Cards Reclaim Shopping Deals Utilities Banking Travel Insurance Mortgages Income

This week iPhone vs Samsung - FIGHT Flight delays since '05 - £480 back? Prepay energy bill? Switch & save Extra £2bn PPI to reclaim FREE Free Ojon £40 shampoo/conditioner 25% off New Look voucher New 2.5% 'Nationwide' savings £21 Travelodge, £19 De Vere Free £20 Dwell / £10 Oasis in mags Dominos 2for1 incl weekend Switch energy now save £300+ £125 bank account bribe 15p/L off Morrisons petrol £7.49 line rental ENDING Vouchers Index: Restaurants / Shopping Best Buys: 0% cards | Car insurance Best Buys: Gas & Elec | Bank Accs	MARTIN'S QUICK BRIEFING: For more tips, alerts & awful puns follow Martin on Twitter Hidden Christmas shopping magic Don't just buy - 10 cost-slashing powerhouse tricks to slash costs Forget trudging out in the freezing cold. Wave a high-tech wand, with tools to spot hidden bargains & slash prices in our 10 top tips. Though please don't plot a shopping lust-list - always budget to find what you can afford, then plan the best time possible on that. More help in 40 Xmas On A Budget Tips. 1. Free tool maps hidden eBay local bargains. The eBay Local Deals Mapper lets you search 'pick up only' deals on eBay, often resulting in much cheaper prices as there are fewer bidders. It even maps where the deals are, so you can measure transport cost against discounts. For more tricks to mine all the auction giant has to offer, see 40+ eBay Buying Secrets. 2. Find cheapest online prices - one click for BEST shopping comparison. As different comparison sites are good for different things, we've designed MegaShopBot.com to help you instantly find the right site whether you want to compare prices for games, gadgets, books, perfumes or owt else. 3. Build secret Amazon 75%+ bargain basements. Our Amazon Discount Finder uses web wizardry to build customised discount pages, eg, 80%+ off kids' clothes*, Beauty 70%+ off* & Cameras 50%+ off*. Plus, check Amazon price history to see if a gift's sold cheaper. 4. Bag 5% off ALL Christmas shopping. Cashback credit cards PAY YOU every time you spend. And Capital One* and Amex's Everyday* pay a huge 5% back on ALL spending in the first 3 mths. So grab one now for the crucial Christmas spend time. Yet only do this if you ALWAYS repay in full, or you'll pay 19.9% rep APRs. Full help: Top Cashback Cards & Official APRs 5. Web clearance outlets for up to 90% off M&S, Argos, Net-A-Porter. A host of big name retailers flog unsold lines at up to 90% off via online outlets. Christmas corkers include £12 Lipsy party frocks (were £55) at Asos, £3.50 Therapy earrings (£15) at House of Fraser and £80 boys' mountain bikes (£160) at Sports Direct. Full details in Online Outlet Stores. 6. Give a chick or a can of worms... for charity. Feel the need to give, but don't want to waste cash on tat? Yule love our rundown of wonderful and weird Charity Gifts, which includes how much goes to good causes. 7. Uncover hidden BIG brand flash sales. Our big list of Secret Sales reveals high-end brand-run clubs - you register for alerts of short-lived online sales, currently including FCUK up to 75% off, Gucci accessories up to 50% off, and Swarovski watches up to 30% off. If you've strong elbows, try a non-virtual version with our Sample Sales list of 90%-off designer discounts. 8. Tesco Xmas DOUBLE exchange on, incl toys. Tesco's just launched its Christmas exchange, letting you double the value of Clubcard vouchers in-store & online for items including toys, Xmas decorations and more. So first Reclaim Lost/ Stolen Tesco Vouchers, add them to your stash, then check Top Tesco Rewards and compare with its Double-Up Exchange deals. 9. Further money back using cashback websites. Once you've found the cheapest store, see if you can get paid cashback for buying through it. A number of sites get paid by online shops for sending traffic then give you a cut - full information and warnings in Top Cashback Sites. 10. Plan to pounce on the BIGGEST discounts. Now's the moment to make your Christmas list. Know what you want, then use this free weekly email and our Vouchers, Hot Bargains and Sales pages to pounce whenever it's reduced. Better still, set up a Christmas cupboard, to wrap & store 'em in. Finally, now's the moment to consider: should you really be giving at all? Read Martin's Ban Xmas Gifts blog and our No Unnecessary Presents Pact tool. Do us a favour. If this email's ever helped you, please forward it to friends and suggest they get it via moneysavingexpert.com/tips PS. Having fallen in love last Thursday... with the 6lb 6oz Sapphire Susan Lewis (Mrs MSE and my first child - mum and daughter doing very well), I'm off this week. So this email's in the more than competent hands of the MSE team. PPS. The Martin Lewis Money Show's on ITV1 next Tue 13 Nov at 7.30pm. Incl PPI reclaiming train cash-mob, how to stop spam texts & savings galore...
Blagged for MoneySavers £3 off £30 at Feel Unique Ends: Thu 15 Nov Free MSE car sticker "Money for nothing, tips for free"
Did you miss? Tesco Xmas DOUBLE exchange Free £5 at Bonusprint Festive Fivers contest - £500 prize Mortgage fixes under 2% Child benefit cut: Full Q&A
Reclaim PPI for FREE Claims handlers aren't more successful. Free help & templates: Reclaim PPI
MSE News Top story: Comet administration: what it means for you Lloyds 'wrongly rejects PPI claims' LateRooms glitch shows user emails O2 roaming costs soar House prices down, says Halifax
The Ones Not To Miss		Wed 7 Nov 2012
iPhone vs Samsung - there's only one way to find out The S3 and iPhone 5 are the Xmas blockbuster handsets. We've used our unique tools to crunch the numbers... If you're looking for a hot smartphone, our Cheap Samsung Galaxy Tool and Cheap iPhone Tool will find the cheapest for you. Now we've used them to price-battle the latest models. To paraphrase Harry Hill, there's only one way to find out... FIGHTTTTT... Upfront cost Monthly cost Cost over 24mth contract THE WINNER Round 1: Cheapest deal with free handset (Three: 1,000 mins, 5,000 texts, unltd data) iPhone 5* via Three None £44 £1,060 Samsung by £360 S3* via Affordable Mobiles None £29 £700 Round 2: Cheapest high usage deal (Three: 500 mins, 5,000 texts, unltd data) iPhone 5* via Three £79 £34 £900 Samsung by £260 S3* via Affordable Mobiles £60 £24 £640 Round 3: Cheapest low usage deal (T-Mobile: 50 mins, 250 texts, 750MB data) iPhone 5* via Phones4U £334 £21 £840 Samsung by £330 S3* via Mobile Phones Direct £139 £16 £510 These are the cheapest like-for-like deals - cheaper ones may exist but not on both phones back to top ↑
Thurs only. FREE Ojon £40 shampoo & conditioner. Trade in any empty bottle. 8k avail. Go quick. Ojon Deals New Look 25% off voucher, Ocado 25% off £50 code & more... New Look 25% off in-store with vch | Ocado 25% off £50 code for new custs | Body Shop Outlet discount codes Laura Ashley 30% off online code | Karen Millen 20% off code Full list: Discount Vouchers New top 2.5% 'Nationwide' savings. Amid current dire rates, Derbyshire BS's* 2.5% AER NetSaver (min £1k) is the top easy-access savings. Many don't know it's part of Nationwide, with an identical rate to its MySave account, but with unlimited free withdrawals instead of one a year. Rate includes a bonus, so diarise to ditch & switch then. See Top Savings. Travelodge £21, De Vere rooms from £19 (both incl Xmas & NY). Travelodge on now, 10,000 De Vere rooms from £19-49 (starts Thurs). Hotel Sales
Flight delayed in last 7 yrs? £480 compensation possible Ruling opens floodgates for claims back to 2005 | Nifty site to find if YOUR plane was delayed A blockbuster ruling by the European Court of Justice means some can get up to £480 compensation for delays - if the airline was at fault. Full info, including how to claim, in the new Flight Delays Compensation guide. Here's a taster... How do I know if my flight was delayed? You may remember, but if not, we found a clever website that can tell you the delay length if you plug in the details. See the Flight Delays Compensation guide. Check now if you can claim. To be eligible, the flight must have departed from 17 Feb 2005 and landed 3+ hours late. It also needs to have been from an EU airport OR on an EU airline landing at an EU airport. If it wasn't the airline's fault (eg, caused by bad weather, strikes or safety/security issues) you can't claim. How much can I get? Between £200 and £480 per person, per flight. The exact sum depends on the length of the delay and where you were flying. back to top ↑
'Free' £20 Dwell and £10 Oasis spends. Vouchers in £3ish and £1 mags respectively. Magazine Deals Domino's 2for1, £10 off Frankie & Benny's codes & vouchers... Domino's 2for1 incl Fri/Sat | Frankie & Benny's £10 off 2 mains | Brewers Fayre 2for1 mains Table Table 2for1 mains | Beefeater 50% off mains Full list: Restaurant Vouchers SWITCH energy now and save £300+. Five of the big six (excl Eon) have hiked prices. The cheapest that's already hiked is Npower Online Energy Jan 2014*, (average £1,070/yr). The cheapest long fix is EDF Blue March 2015* (£1,250), it ensures no hikes for 3 WINTERS but charges early exit fees. Check your exact cheapest and get cashback via these links (after c.3mths). Top comparison: Energyhelpline* £15 per switch. Dual fuel: MoneySup* £30 cash, uSwitch* a crate of wine. Click the titles for full info and all our top picks Balance Transfers Car Insurance Cheap Loans Top Cash ISAs Longest 0%: Barclaycard* 23 mths 0%, 2.8% fee (17.9% rep APR) Low fee 0%: Natwest* 13 months 0%, 1% fee (17.9% rep APR) Get quotes in this order... MoneySup* Confused* Direct Line* Aviva* Admiral MultiCar* Sainsbury's* (£5k - £7.5k) 7.1% rep APR (Need Nectar card) Derbyshire BS* (£7.5k - £15k) 5.6% rep APR Post Office 3.01% AER Min £100. Incl bonus. Post/branch. Transfers Allowed Cheshire BS 3% AER Min £1,000. Incl bonus. Postal only. No transfers See Card APR Examples & Loan APR Examples
Prepay energy bills? Switch & save New rules mean more on key / card meters can switch & save. COMPARE NOW to beat the price hikes Five of the big six energy firms have hiked prices. Previously, some prepaid customers were blocked from switching if they owed suppliers £200+. That's been raised to £500+, freeing many. See full Switch Prepaid Energy guide, here's key info: For medium typical use Avg cost/yr Most expensive prepaid tariff £1,400 Cheapest prepaid tariff (1) £1,332 Cheapest direct debit tariff (1) £1,071 For medium user, dual fuel on Ofgem typical use. Varies by region. (1) Of those companies who've hiked prices . Source: Energyhelpline Step 1: Can you switch & save? Plug your info into a comparison site to see if you're on the cheapest prepaid deal. Plus, via these links, get cashback after c.3mths if they can switch you. Top Comparison: Energyhelpline* pays £15 cashback per switch. Dual Fuel: MoneySupermarket* pays £30 cash, uSwitch* a crate of wine. Warning: Prepaid deals are usually variable, so prices can change. Most have hiked prices already but if Eon, Utilita or Spark is your winner, be aware they haven't hiked, so rises are possible soon. You may be best going for the next cheapest instead. Then again, if you save 10%+, you're almost certainly on a winner whatever happens, so go for it. Step 2: Can you switch to direct debit? A billed meter paying by direct debit smashes prepaid costs. Ask your provider if it'll let you switch. British Gas & Eon do it free if you pass their checks, others charge c.£60 per meter, which should be made back from savings pretty quickly. See full Switching To Direct Debit Billing help. back to top ↑
£125 bank bribe - price war heats up. Top customer service bank First Direct* has upped its bonus to £125 (was £100) for new switchers who pay in a monthly income of £1,500+, via this link. It's hot on the heels of Halifax's £100 switching bonus launched two weeks ago. Full details in Best Bank Accounts. Ends Sun. Morrisons 15p/L off fuel with £60 spend. Grab voucher in-store for its petrol stations. Cheap Petrol ENDS THURS. Cheapest line rental £7.49/mth. At half BT's price, Primus Line Rental Saver's* the UK's cheapest line rental-only deal (no calls included, 1yr contract). Its Home Phone Saver* gives inclusive eve & weekend landline calls for £8.69/mth. Full help, including getting BT cheaper: Cheap Home Phones Glitch gets 3 Always packs 95p (norm £1.30 each). Forum Hottie. May end any time. It's given forumites wings (sorry). Boots Deals
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Extra £2bn for PPI victims - reclaim NOW Reclaim PPI for FREE. Banks put aside billions more to repay mis-selling victims. Find out if you're owed... With £6.5bn already paid, Barclays, HSBC, Lloyds and RBS have set billions more aside to pay out what's expected to be £13bn across all lenders. If you've had a loan or card in the last 10 years, see if you're owed using our Reclaim PPI FREE guide. Here's a taster... "£8,300 back in six weeks" For inspiration, this message is one of 1,000s we've had: "Thanks for the info, today I received a letter from my credit card offering £8,300, just six weeks after posting my letter." Not sure you had PPI? Find old lenders: Six years' worth are listed on credit files. Not got paperwork? Fire off a simple letter to get the paperwork, then check it to see if you had any insurance on it. What counts as mis-selling? The PPI seller needs to ensure it's suitable at the time you get it. Our Mis-selling Checklist lists typical examples: lying about it being compulsory, adding it without asking, giving the self-employed unemployment cover and not saying pre-existing conditions are excluded. NEVER pay to reclaim. Our PPI Loan Reclaiming and Credit & Store Card PPI Reclaiming guides include template letters and FAQs to help you keep all YOUR cash. Claims firms take up to 30% (£750 of a £2,500 claim). back to top ↑
Buy one, get TWO free on crisps & chocs. Forum Hottie. Includes Nik Naks and Penguins. See Tesco Deals. Beware gift vouchers for Christmas. Comet's the latest big name to crash, leaving vouchers potentially worthless (see Comet collapse repercussions - STOP PRESS: As we were sending this email, Comet started to accept gift cards again, at least for now) and showing the danger of gift cards in tough times. Cash is dull, but a safer present. Gift Warning Beat Ryanair fee hike. The airline's prepaid cardholders must book this month to escape £12 rtn fee. See Ryanair fees. 5% off 1st class stamps. In Superdrug stores, buy with '1st' on & they don't expire. Handy for Xmas: Cheap Stamps Click the titles for full info and all our top picks Gas & Electricity Bank Accounts Home Insurance Landlines Compare, switch & get cashback Energyhelpline* £15 per switch MoneySupermarket* £30 dual fuel uSwitch* 6 bottles of wine First Direct* £125 bonus and top cust service Santander 123* Up to 3% cashback on bills (£2 per month fee) Get quotes in this order... Confused* CompareTM* Direct Line* Aviva* Get quotes in this order... Primus Line Rental Saver* £7.49/mth BT Line Rental Saver* £10.75/mth (pay a yr upfront) Do a Money Makeover Free Budget Planner Free MSE car sticker £16 Travel Insurance
Restaurant vouchers Zizzi 25% off food bill La Tasca 3for2 tapas Ask 2for1 for £2 Strada 20% off total bill GBK £8 burger & fries	Discount vouchers & sales M&S 20% off online sale Debenhams 20% off 'up to 70%' sale Heal's 15% off in £4 mag George up to 50% off sale Body Shop 4for2 code	Top deals P&O £25 day rtn & wine case Tesco 'free' Kellogg's Squares Feel Unique £3 off £30 Nails Inc £11 polish in £2 mag Whittard 'free' £6 sweets
The Moneysaving community
CAMPAIGN OF THE WEEK | Big Change in banking Consumer group Which? is demanding banks put customers first. Sign its Big Change pledge to show your support and help reach 100,000 names. Spotted a campaign? This space is for MSE to support money-based work by other organisations. Send us a campaign of the week suggestion. BOOK GIVEAWAY | The Little Book of How NOT To Get The Job. 25 blagged for MoneySavers. Want one? MONEY MORAL DILEMMA | Pet dog or doghouse? This week's MoneySaver who wants advice asks... Our son has wanted a pet dog for years and my wife's keen to get him one. But dogs are expensive and I've been saving in secret to surprise her with a holiday next year. She thinks I'm stingy, when I'm actually the opposite. Should I give in and get the dog to make them happy, or remain in the doghouse myself so we can go away? Enter the Money Moral Maze: Should I get the dog for my son? | Suggest an MMD | View Past MMDs THE GREAT HUNT | What you wish you'd known before selling your house To help spruce up our house-selling guide, we want to tap into MoneySavers' collective knowledge to collate top tips for first-time home-sellers. From estate agents and advertising to prospective buyers' chat-up lines, tell us your tricks. Share yours/read others': House-selling tips Past topics: View all CHEAP FLIGHT SALES ALERT | Airline: Aer Lingus Price: From £30 each way Ends: Ongoing Our pick this week is Aer Lingus. It's for flights from 14 UK airports to Ireland till Sun 31 Mar 2013 and includes taxes & charges. We found flights from Manchester to Dublin for £29.99. To find flights quickly, use the FlightChecker on a £30 one-way 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 THE GREAT HUNT... REVEALED | Cheap and easy Christmas pudding recipes It wasn't too soon for last week's Xmas pud hunt as the responses were varied and useful. This microwave pudding recipe is great for the time-poor whereas this light recipe can provide a tasty treat. Aldi's own got top reviews. back to top ↑
Quick forum tips Top Deal: £5 2for1 DVDs incl Harry Potter 7, pts 1&2. Great stocking fillers. £2.50 Christmas trees (3ft, four colours) at Tesco. What a tree-t. £18.50 Lacoste Touch of Pink EDT, 50ml (£27 elsewhere) incl del at Superdrug. 17p Fin Carre milk choc (100g) & £1.24 Nesquik (500g; £2.72 elsewhere) at Lidl. Debt Free Wannabe chat of the week: Just say NOvember. Competitions thread of the week: A cookery school experience. Old Style (Thrift) Board thread of the week: How to keep warm indoors.		Andrea's freebies 100 Nectar points Age Concern Life Book The i Paper New Stereophonics single
Martin's blogs Looking after the world's most precious Sapphire   What are easy access savings? I need your help   Team Blogs 'I saved shopper from PPI vultures'	Martin's appearances Thursday 8 November Shelagh Fogarty, Radio 5, 12-1pm.  Consumer Panel. Listen to past shows. Tuesday 13 November Daybreak, ITV1, between 7am & 8.30am. Subject tbc. The Martin Lewis Money Show, ITV1, 7.30-8pm. PPI reclaiming and cutting petrol/diesel costs. Other MSE team appearances: Thursday 8 November Dan Plant: Noreen Khan, BBC Asian Network, 3.30pm, subject tbc.	Cheap travel money UK's Best Currency Rates £100 will buy you: Best Worst € 124.06 113.25 $ 158.86 145.14 TL 276.25 252.56 Rates correct at 4pm Tue Find all top currency rates Compare travel cash
This week's poll: Have you tried to reclaim PPI? Banks have set aside about £13 billion to pay victims of PPI mis-selling, with over £6 billion already reclaimed. It's free to do yourself (so don't pay a claims company), while banks are supposed to write to victims to offer money back. Have you tried to reclaim PPI? No No - but I am planning to Yes - using a claims company Yes - doing it myself (see the MSE PPI guide for free template letters) Yes - the bank contacted me		Poll results Is it time to renationalise energy firms? Most are in favour of renationalisation. - 59% say nationalise - 35% say regulate prices - 7% say keep 'em private 10,520 voted. See the full results.
Question of the week Q: Why do I have to give my name and address for shop refunds? Is it a legal requirement? Sandra, by email. MSE Helen S's A: No. They may ask for your address to send repaired goods or where a replacement is not instantly available. But they can't demand your details. The store might want your details to keep track of customers returning goods to deter "serial returners", or to make sure refunds are legit and not staff taking money from the till. Remember, according to the Sale of Goods Act, shops are only required to refund/replace faulty goods, not if you simply change your mind. Though many have a returns policy which lets you take back goods (in saleable condition) you don't want. Please suggest a question of the week (we can't reply to individual emails).		Board of the week The Over 50s Money Saving Board Share advice and tips on over-50s discounts, products and services. Discussions include Retirement flat management fees , Clothes for older people and Stair lift for elderly mother needed.
Archna's free game of the week: Air Transporter
Frappucino reserve banking? As MoneySavers know all too well, banks get away with an awful lot that wouldn't be allowed in any other institution, but how would it be if the tables were turned? Check out this video where a pop-up coffee outlet in London's financial district plays the bankers at their own game: Scamming the bankers. We hope you save some money, Martin & the MSE team
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