Boots trick, 21mth LOW fee 0%, Travelodge £19, M&S £5 vch, petrol 10p off, free festivals, Tesco rumour, £100 bribe, reclaim old PPI

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	Cutting your costs, fighting your corner	Martin's Money Tips Wed 8 May 2013
Cards Reclaim Shopping Deals Utilities Banking Travel Insurance Mortgages Income

This week 40 online shopping tricks Home insurance bill slashing New free £100 + £5/mth bank bribe Use your mobile abroad for less Boots No7 trick £40 for £15 60 free summer festivals 'Free' £11 Nails Inc - mag freebies Travelodge £19 | Prem Inn £29 rms Rumour: Tesco 2x exchange 'I reclaimed £2,000 PPI from 1994' £50 2-week hols for 16/17 yr olds Theme park 2for1 NOW for summer Samsung Galaxy tablets deal Tesco 10p/L off fuel with £60 spend Free £12 Ideal Home Scotland tix Grand Designs London 2for1 M&S £5 off £35 | BHS 20% voucher Got old Barclaycard - poss free £50 Celeb cookbooks flash sale Free Douwe Egberts coffee sample 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 Ending! Shift debts to 21mth 0% LOW fee Everything you ever wanted to know about credit card balance transfers... ...but were afraid to ask. A balance transfer card repays debts on other cards for you, so you owe it instead at a cheaper rate. As more of your repayments clear the debt, instead of just servicing interest, you save and are debt-free sooner. As a hot deal's ending, I thought I'd go through deals & answer your queries. Top 'debt shifting' balance transfer deals Card (1) Transfer offer Transfer fee Rep APR after Barclaycard* - longest 0% 26mths 0% 3.5% 18.9% Halifax* 25mths 0% 2.5% (2) 18.9% Ends Fri. Lloyds* - long, low-fee 21mths 0% 1.5% (2) 17.9% Halifax* - lowest fee 15mths 0% 1% (2) 17.9% MBNA Rate for Life - if need longer 5.9% for life 1.5% 18.9% FULL HELP in Best Balance Transfers (& APR Examples). 1) All 0% deals are representative, so only 51% of those accepted need to get this long. 2) Low fee due to temporary promo. Try to pick the card with the lowest transfer fee (a one-off fee of the amount you transfer), within the time you need to clear the debt. That's why I rate Lloyds' card, as it's the lowest fee of any 20mth+ card. Yet apply after Fri and the fee doubles, so go quick. More help in the Which Card Is Cheapest? tool. Always obey the Golden Rules (1) Clear or shift again before the 0% ends, or you pay the full APR. (2) Pay at least the monthly minimum, or you'll lose special rates. (3) Don't spend or withdraw cash on these, it isn't usually at the cheap rate. Your balance transfer questions answered... Q. Will I be accepted? Cards score your application based on their wish list of a profitable customer. If you've had past credit problems, it's tough. You need to apply to find out, but that marks your credit file. So use our Eligibility Checker first to see which cards your odds are best with, plus our Boost Your Credit Score guide. Q. How many balance transfer cards can I apply for? There's no set limit, and you can do many at once. Each application marks your credit file and many in a short space is damaging. However, if you're credit card tarting (shifting from 0% to 0% when one ends), it's a good technique to keep costs low, and shouldn't be too big an issue as long as you spread your applications. Q. Will I pay the same minimum if I shift debt? Monthly card minimums vary, so while shifting cards means less interest, it can occasionally mean a higher monthly payment. If that's an issue, check before applying. Also see Danger: Min Payments. Q. Can I get a new card, from the same firm as I've already got, to shift debt to? You may be accepted for, eg, a Barclaycard if you already have one, but it, like most, won't let you shift debts from other Barclaycards. This also applies to brands managed by the same firm, eg, MBNA & Virgin. Q. My new balance transfer card's credit limit is too low, what can I do? You can ask for an increase, but that's rarely allowed. Yet shift the maximum debt you can (as you can't unapply) and see if you can get another cheap card for the rest. More help in the Credit Limit Too Low? guide. Q. If I spend on a 0% balance transfer but pay it off, do I pay interest? To avoid, you need to clear debt IN FULL each month. If you repay spending but leave balance transfer debt, you pay interest. So get a different card to spend, see 0% Spending Cards / Cashback Cards. Q. Should I cancel unused cards? Access to excess credit, even if unused, can make lenders wary. So cancelling could boost your creditworthiness, though that's not definitive. Some cards give existing customer balance transfer offers, worth checking. See Should I Cancel Unused Cards? Q. Can I balance transfer onto someone else's card? Eg, can a woman with a good credit score agree to shift debts from her dodgy (credit-wise) partner's card? Lenders we've checked with confirm you can. Though, if you do this, remember the debt legally becomes yours. There's no going back. Q. Do you pay interest on the transfer fee? This varies, but either way it's usually paid off after your first monthly payment, so the amount's small. Q. Do you have to make up interest once the 0% ends? No, this isn't an interest postponement, you're not charged any interest on balance transfers during the period. It only starts on the remainder once the 0% ends. Q. Can I transfer an overdraft balance/loan to a 0% card? A money transfer lets you balance transfer cash into your bank account (and then use it to repay the loan) so you owe the card instead. Be VERY careful, most 0% cards don't allow this at 0% and cost a fortune. See Money Transfers for the few that do. Q. Can I balance transfer again from another card later in the 0% period? You can but usually there's a time limit for cheap debt shifts. With Barclaycard and MBNA it's 60 days from application, Lloyds 90 and Halifax 90. For far more help and info, see the full Best Balance Transfers guide.
Blagged for MoneySavers Free Ideal Home Show Scotland tix 5,000 pairs available 2for1 Grand Designs (London) tix Ends: Sat 11 May Tesco Photo £5 off £10 Ends: Sat 11 May
Did you miss? Cut your mobile bill in HALF 30 ways to earn cash online £29 Nook e-readers 10-year mortgage fix 3.99% Lock-in energy prices for TWO winters
Get permanently cheap energy Our new club ensures you're always on the cheapest tariff. Join free: Cheap Energy Club
Reclaim PPI for FREE Claims handlers aren't more successful. Free help & templates: Reclaim PPI
MSE News Top story: T-Mobile users attempt to escape price hike Brits reject 'Can I help?' shopping culture Nationwide to ditch Cheshire, Derbyshire and Dunfermline brands Interest-only mortgage timebomb warning: Act now Savvy MoneySaver plays bank system to make £1,000s
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The Ones Not To Miss		Wed 8 May 2013
40 online shopping tricks. New guide Want to slash the cost of buying anything and everything online? Our compendium of tricks does just that How do you safely find the best deals in the virtual jungle? We've been giving you tips for years, and have now decided to put them all in one place with our new 40 Online Shopping Tricks guide. Here's just a few nibbles to tempt you... - Prepared to wait? Name a price you'll pay and then wait for price-drop emails in your inbox. - Use the MegaShopBot tool to speedily find the best way to compare prices across e-tailers. - Find how to legitimacy check unknown e-tailers before you commit and part with your cash. - If you're a slave to high-end designer brands, find out how to spot hidden brand sales. - If you're struggling to find a deal, a free site aims to negotiate discounts for you. - If you're on Facebook, send and receive a few free £3 gift cards by teaming up with buddies. - You've more rights buying online than in-store, so you could learn to be a robo-shopper. - Grab the top cashback credit cards to bag 5% off all spending - ensure you ALWAYS repay in full each month. - See behind Amazon's giant shelves to dig out mega-bargains with the geeky Amazon Discount Finder tool. back to top ↑
Boots No7 trick: £40-worth for £15. Quick. Forum Hottie! Combine 3for2, BOGOHP and £8 off vouchers. Boots Paaaarty - 60 FREE summer 2013 UK festivals & carnivals. Hit the scene without obscene prices - many suitable for families. Check what's on near you with our Free UK Festival Tickets guide. Go quick to bag tickets. 'Free' £11 Nails Inc polish - magazine beauty freebies... £11 Nails Inc in £4 mag | £9 Benefit mascara £4 mag | £8 Avon lippie £4 mag | £8 lip crayon £2.50 p&p | All Beauty Deals £19-£21 Travelodge | £29 Premier Inn. 350k rooms at T'lodge Jul-Sep, 200k Prem Inn May-Sep. Hotel Sales
Tricks to slash home insurance bills (some get PAID to take it) "I cut my bill from £230 to £57." Many massively overpay when a few simple checks could save you large As a rule of thumb, buildings cover (mainly for freeholders) is for everything that'd stay put if you turned your home upside down; contents (everyone), everything that falls. Our Home Insurance guide helps slash costs, incl: £30 new locks cut bills by £50 a year. The right lock can be safer, and cuts costs for years to come. Test it. We ran comparisons where changing to a better lock slashed £40 off a year's premium. Use our Top Locks tips to see what insurers like. Don't over-cover. Buildings: You're meant to cover the rebuild cost but many wrongly cover their home's value, which is far higher - leaving you paying vastly over the odds. Contents: Many underinsure, thinking: "I've £40k of stuff, but'll only cover £20k as I'd never claim it all." Yet if discovered, half cover can mean half payouts. See contents info. Five steps to speedily find your cheapest. 1) Combine comparison sites Confused.com* & MoneySup* for max quotes in min time. 2) Add missed biggies Aviva* & Direct Line*. 3) For high-value contents try Hiscox*, John Lewis Special* and Home & Legacy. 4) Double-check the price on the insurer's site, and that the policy is right for you. 5) See if cashback of up to £100 is available on your winning policy. Full info: Cheap Home Insurance. "Cut contents cost from £228 to £57" Forumite fc223 posted: "I cut my contents insurance from £228 to £77, plus I got £20 cashback." Some even get more cashback than the cost, leaving them getting paid. back to top ↑
"The Martin Lewis Money Show" Fri, ITV, 8pm This Fri: Slash £100s off water & energy bills - and a bit of financial Ed. Last week: Watch Again inc Buy stolen goods, Reclaim package bank accounts, Best package accounts, Section 75
Rumour. Tesco DOUBLE exchange starts next week. Don't redeem Tesco points this week. It won't confirm, but we've heard strong rumours of a new "double Clubcard voucher value in-store" offer in some depts. Tesco Exchange "I reclaimed £2,000 PPI - on a loan from 19 years ago." We're constantly asked "what's the time limit?" As this email from Chris shows, there isn't one. Full help, template letters, FAQs and more in our Reclaim PPI for FREE guide. National Citizen £50 2-week holidays for 16/17 yr-olds. The Govt-backed service (Eng) has just launched £50 places (free for some) on exciting 2-week residential courses, Jun to Aug. National Citizen Service
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Grab 2for1 theme park vouchers NOW for summer. During summer, discounts are rare, but many available now last for the 'hot' months, eg, Alton Towers, Chessington, Thorpe Pk, Drayton, Sea Life. Theme Park Vouchers Buy Samsung Galaxy tablets, get huge 3,000 extra Tesco pts (worth up to £120). Get 1,000-3,000 extra points on 3 Galaxy tablets. Factor the points in Rewards (up to 4x) and it's substantially cheaper. Tesco Deals Tesco 10p/L off fuel with £60 spend. Get a voucher for its forecourts in stores or online. See Cheap Petrol. Click the titles for full info and all our top picks Balance Transfers Car Insurance Cheap Loans Top Cash ISAs Longest 0%: Barclaycard* 26mths, 3.5% fee (18.9% rep APR) Low fee 0%: Halifax* 15 months 0%, 1% fee (17.9% rep APR) Get quotes in this order... MoneySupermarket* Confused* Direct Line* Aviva* Admiral MultiCar* Santander (£5k - £7.5k) 6.9% rep APR Derbyshire BS* (£7.5k - £15k) 5% rep APR Cheshire BS* 2.3% AER Min £1,000, incl bonus Postal. Transfers allowed NS&I, 2.25% AER Min £1, no bonus Online. No transfers. See Card APR Examples & Loan APR Examples
New FREE £100 bank bribes - grab 'em New. A price war ahead of September changes means you can now get £100 PLUS £5 a month every month This Sept, new rules launch making switching a touch easier. Banks are positioning in advance to win custom. Halifax has just joined the fray, offering a new £100 switchers' bribe. Here's how it compares. All accounts below require a credit check. Customer service Feb 2013 poll Provider % voting 'great' Halifax (all) 38% First Direct 91% Santander 123 63% Nationwide (all) 66% Full info in Best Bank Accounts. New. Free £100 and £5/mth if in credit. Halifax* Reward account switchers get £100 & are paid £5 each month they're in-credit. It's got a 6mth 0% overdraft, but charges after are hefty. Min pay-in: £750/mth (equiv £9,200 salary). Free £100 & no.1 customer service. First Direct gives new switchers £100. Great, as it's smashed every service poll we've done. There's no in-credit interest, but you get a £250 0% overdraft. Min pay-in: £1,000/mth (equiv £13,600 salary). 3% savings & bills cashback. If you've savings, Santander 123* pays 3% AER variable on £3,000-£20,000 balances and 3% cashback on phone, b'band & TV direct debits; 2% gas & electric; 1% water, council tax & Santander mortgages. This should dwarf its £2/mth fee, as someone with typical bills earns c.£10/mth. Its overdraft's costly though. See full Santander 123 analysis. Min pay-in: £500/mth (equiv £6,000 salary). 5% savings & 0% overdraft. Nationwide* gives a year's 5% AER in-credit interest, but only on up to £2,500, and a 0% overdraft (50p/day after, aim to clear by then). Min pay-in: £1,000/mth (equiv £13,600 salary). FULL info in Best Bank Accounts. If you use travel, mobile & breakdown cover, see Top Packaged Accounts. back to top ↑
Free £12 Ideal Home Show Scot tix - 5k pairs. MSE Blagged. Glasgow in May, norm £12-15. Ideal Home 2for1 Grand Designs (London) tix code. MSE Blagged. Ends Sun. Tickets £16-£19 + £1.70 fee. Grand Designs M&S £5 off £35, BHS 20% off, Urban Outfitters 15% off and more... M&S £5 off £35 vch (take in old clothes Thurs) | BHS 20% off vch & code in mag | Sainsbury's £12 off £60 newbies code Urban Outfitters 15% off code | Brantano 20% off code | Tesco Clothes £5 off £25 code, new custs | Discount Vouchers
Use mobiles abroad for less - when in 'Roam'... Slash costs of calling abroad with special discounts, top tips, and even international Sim cards EU roaming costs are capped, but it's still 29p/min to make calls, 8p/min to receive, 9p/text and 69p/MB data. Elsewhere, you can pay up to £3/min to call. See the Cheap Mobile Roaming and Cheap Data Roaming guides, here are quickies: Smartphone users beware. Even unused apps download data in the background, costing some £100s overseas. If you need 3G, at least turn app updates off. And NEVER watch TV via 3G - bills when you return can be sickening, eg, Three is £10/MB in Canada. As a 30min TV programme is 500MB, you could be charged £5,000. 'Don't ask, don't get' roaming discounts. For example, Vodafone's EuroTraveller is £3/day any day you use your phone, to use your UK mins & data allowance in EU (turn 3G off on other days, and save all calls for one day). Full lists in Cheap Call Bundles and Cheap Data Bundles. Get friends & family to call your hotel room. Using specialist cheap calls providers, they can call for as little as 1p/min without changing phone line. Use the International CallChecker to find them the cheapest number. Know the difference between 3G and wi-fi. 3G is when you access costly web/data via your mobile signal. Wi-fi uses a fast local connection and can even be used to make calls via Skype*. See Find Free Wi-Fi Abroad. Heavy users - switch Sim. Whether to a local Sim if you visit one country a lot, or international Sims to receive calls free in many, this can save large. See Best Sims for Calls & Data and Best Data-Only Sims. back to top ↑
Got a Barclaycard you don't use? Poss free £50. Reports it's offering cash when some cancel. Free £50 Celeb cookbooks FLASH sale. Thu only. Great savings likely on big-names, but it's hush-hush. Book People Forum Hottie. Douwe Egberts coffee sample. Forumites've bean raving about this. 100,000 avail. Douwe Egberts 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 £100 bonus and top cust service Santander 123* Up to 3% cashback on bills (£2 per month fee) Get quotes in this order... Confused.com* MoneySupermarket* Direct Line* Aviva* Post Office* with eve & wkend calls £13.25/mth BT Line Rental Saver* £10.75/mth (pay a yr upfront) Do a Money Makeover Budget Planner MSE car sticker £16 Travel Insurance
Restaurant vouchers La Tasca 3for2 tapas Strada up to 35% off food Prezzo 2for1 for £2.50 Zizzi 25% off food Sizzling Pubs 25% off food	Discount vouchers & sales Stylist Pick 30% off (in £1 mag) Boots £10 off £100 code Poundland £2 off £12 vch Tesco up to 50% off toys Bonmarche 20% off £25	Top deals Tesco Photo £5 off £10 Visit Scotland 2for1 attractions Free snacks Boots A/C holders only Free Halls lozenges via Facebook Hotels.com 10% off code
The Moneysaving community
THE GREAT HUNT Cheap taste-a-like tipples - eg, lemonade + vinegar = Pimm's Last week, we were gobsmacked to read someone suggesting a cheap non-alcoholic Pimm's alternative can be made by mixing lemonade with balsamic vinegar - we tested it and, well, not everyone disliked it. Branded alcohol's costly, so we want to tap MoneySavers' collective wisdom on cheap, supermarket-brand alternatives and making your own. Be Drinkaware. Share yours/read others': Cheap taste-a-like tipples Past topics: View all BOOK GIVEAWAY: Urban Gardening For Dummies. 25 blagged for MoneySavers. Find out if you got one. MONEY MORAL DILEMMA: Should I sell gig tickets for a profit? This week's MoneySaver who wants advice asks... I recently bought three Rolling Stones tickets at £106 each. I then managed to bag some Glastonbury tickets, where the Stones are headlining, so want to sell the original tickets. I disagree with touting and would normally sell at face value, but I know tickets are going for £180. Also, the Glastonbury tickets were just over £200, so it'd be nice to make a few quid extra. Does the fact that I didn't buy the tickets with the intention of selling them justify my making a profit? Enter the Money Moral Maze: Should I sell gig tickets for a profit? | Suggest an MMD | View Past MMDs THE GREAT HUNT... REVEALED Cheap BBQ tips revisited It's generally acknowledged the more you know about something, the better-placed you are to find cheats and loopholes. One MoneySaver says his BBQing was "revolutionised" when he invested in a decent BBQ, while another suggests using hickory chips on a grill to get a great BBQ flavour for less. CHEAP FLIGHT SALES ALERT: Airline: Aer Lingus Price: From £32.99 Ends: Ongoing Our pick this week is Aer Lingus's from £32.99 sale for flights to Ireland from 14 UK airports until 30 Jun, including taxes & charges. We found Manchester to Dublin for £37.09. To find flights quickly, use the FlightChecker on a £50 one-way max search. Extra charges warning: Avoid payment and check-in charges - see Budget Airline Fee Fighting. Related: Cheap Flights, Cheap Hotels, Spending Abroad, Cheap Currency, Travel Insurance back to top ↑
Quick forum tips Top Deal: £25 3ft York Fitness punch bag & mitts (was £40). Bag one. 99p Cien Q10 anti-wrinkle cream (was £1.99) this weekend at Lidl. Smooth. 45p eyeshadows (were £1.50) and more cheap cosmetics at Eyes Lips Face. £4 Daz (38 washes = 10.5p/wash). Was £8.50. Soap-er. Debt Free Wannabe chat of the week: MAY The Force Be With You Competitions thread of the week: A week's Rural Retreats s/c holiday Old Style (Thrift) Board thread of the week: What does a portion cost you?		Freebies Shampoo and conditioner Pen for businesses Nivea samples (need Facebook)
Martin's blogs No blogs this week.	Martin's appearances 9 May Daybreak, ITV, 7.35am-7.45am. Deals of the Week. 9 May Shelagh Fogarty, Radio 5, 12pm-1pm. Consumer Panel. Listen to past shows. 10 May The Martin Lewis Money Show, ITV, 8pm-8.30pm. Water bills. PS. Missed past shows? Watch them here. 13 May This Morning, ITV, 11am-12pm. Subject tbc.
MSE team corner Team blogs: How I buy posh nosh for less Team appearances: No team appearances this week.	Board of the week The Weddings & Anniversaries Board Share advice and tips on celebrating your big day for less. Discussions include Mother of the Bride Outfit, What's Your 'Theme'? and How much time/effort required to plan?.	Cheap travel money UK's Best Currency Rates £100 will buy you: Best Worst € 118.00 107.56 $ 154.05 140.96 TL 271.50 248.81 Rates correct at 4pm Tue Find all top currency rates Compare travel cash
This week's poll: What class are you? It's an old-fashioned concept, but it's still something that's talked about. The aim is for you instinctively to say where you think you fit. Which social class do you see yourself in? Upper class Upper middle class Middle class Lower middle class Upper working class Working class Lower working class Underclass Doesn't apply/don't know		Poll results Would you KNOWINGLY buy sweatshop-made cheap clothes? Over half of MoneySavers would still buy cheap clothes in a store if they knew they were made in a sweatshop. - 58% would still buy. - 23% would avoid it if they could find a cheap alternative. - 18% would never shop there again. 11,684 voted. See the full results.
Question of the week Q. BA has turned down my delayed flight claim as the fault occurred mid-flight rather than before departure. Is it true I can't claim for this, even though I was delayed for five hours? David, by email. MSE Helen K's A: Compensation for flight delays is paid based on the time of arrival at your destination – 3 hours is the crucial time – so it doesn't matter whether the delay occurred before departure or mid-flight. However, one of the key conditions is it must have been the airline's fault - and safety issues can be excluded, so you may not be covered. For full info on how to claim compensation, with template letters and more, see our Flight Delay Compensation guide. Please suggest a question of the week (we can't reply to individual emails).
Archna's free game of the week: Super Mario Brothers
Where do you sit on the Global Rich List? That's it for this week, but you may find this a wee bit eye-opening. It's a site highlighting incomes across the world - it shows where you sit on that list. Check out The Global Rich List. We hope you save some money, Martin & the MSE team
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