| | MARTIN'S QUICK BRIEFING: For more tips, alerts & awful puns, follow Martin on Twitter Warning. British Gas imminent 8% hike
ACT NOW to beat it. Others likely to follow. Lock in to prevent hikes The papers are dripping with sources saying BG plans to announce an 8%+ hike after the party conferences, but before its Nov financial results. If they're right it's likely we'll see a raft of energy hikes before winter as like sheep, when one big six energy firm moves, others will (baaa) follow. So ACT NOW....
| 1. | Switching's no biggie (except for the savings). Switch and you keep the same gas, electricity & pipes. Only service and, crucially, cost changes.
Sarah emailed our energy club: "Switched energy before, but hadn't realised how quickly things change. Did another comparison & I saved £450/yr."
There are two choices of tariff. A variable, where prices can rise, and a fixed where they don't. Variables can be cheapest - if you've never switched before, the best of them will save you large even if they then hike prices by 10%. See point 3 to find the best of them, but if you want certainty... | | | | 2. | Urgent. Consider locking in for up to FOUR winters of no price hikes. Many on standard tariffs can save and get no-price hike certainty with a cheap fix. Don't just call your provider, that risks locking in at high cost.
However these top fixes could end any time. Firms use them to grab market share. Once they hit quotas, they're withdrawn. We've heard rumours the cheap M&S fix below will be pulled for new customers within the week.
| TOP FIXED DEALS (not prepay) | | Fixed until | Exit fee | Cost/yr | | Someone on a standard tariff | - | - | £1,420 | Longest fix, beats any other 3yr+ fix: Npower*
| 31 Mar 2017 | None | £1,340 | Cheapest non-exit penalty fix: Npower*
| 30 Nov 2014 | None | £1,180 | Cheapest fix, but shorter & exit fees: M&S
| 30 Sep 2014 | £50 | £1,140 | | Cheapest variable (ie, subject to price rises) | - | - | £1,120 | (1) Quarterly billing, dual fuel customer. Source: Ofgem.
(2) Average monthly direct debit, dual fuel. Varies by region. |
Don't fix without reading this...
- ALWAYS compare (New Tool): Your winner & saving depends on usage & location. Our Cheap Energy Club has a new Top Fixed Tariff Picks comparison page, showing YOUR prices for these top deals. We do this as most comparisons just list price order, so you risk missing longer, good value deals.
- No exit penalties give certainty & flexibility. Usefully, two tariffs above have no early exit fees, so if things don't go as predicted, you can leave for free.
- Is it worth fixing? If it shows you can save and get certainty, it's a no-brainer. As some predict 30-40% rises over the next few years, longer fixes are attractive for those wanting to switch, then forget about it. Though shorter deals would win if price hikes aren't so sharp.
- You could be due a lump sum. If you're in credit when you switch, your old provider needs to give you the cash (put it aside, winter's coming so usage is higher). If you're in debt to the tune of £100+, it'll usually want the cash. If less, you may be able to carry it over to your new account.
- You can take your fix if you move. Usually fixes are portable, all the above are. | | | | 3. |  Join the FREE MSE Cheap Energy Club for permanently cheapest energy. Over 500,000 have now joined our unique MSE Cheap Energy Club comparison (in just over 6 months). It not only finds you your cheapest deal, but also once done, it monitors your tariff and deal in case the price is hiked or others get cheaper.
If that happens, it alerts you when it's time to switch again. It also gives £30 dual-fuel cashback (and a free hotel night with Npower switches). For alternative cashback deals, see Cheap Gas & Elec. | | | | 4. | Paying by monthly direct debit is up to 6% cheaper. If possible, pay by fixed MONTHLY direct debit and you get a discount - though always do regular meter readings for accuracy, as your bill is estimated. | | | | 5. | Your direct debit can rise even if your price drops. Direct debits are based on an estimate of your usage. So some find they switch to a cheaper tariff, but their direct debit rises.
This is usually because the new firm over-estimates, or the old one under-estimated (in which case you were probably in debt when you left). If it's too high and means you overpay, you'll get the money back later. If it's a problem, ask them to lower it, you've Fair Energy Direct Debit Rights. | | | | 6. | Prepaid (key or card) energy meter? You can switch & save. Don't assume you're locked to your provider. While some of the more competitive deals aren't available, it's still possible to save up to £150 a year. Do a comparison at Energyhelpline*, MoneySupermarket* or uSwitch*.
Also consider checking if you can move off prepay to a normal billed meter for free. Full help on this & more in our Cheap Prepaid Gas & Elec guide. | | | | 7. | Got electricity only or Economy 7? You can still save. Even if you don't have gas, the rules are still the same. The MSE Cheap Energy Club comparison will check if there's a cheaper electricity-only deal.
If you're on Economy 7, read our full, new guide to check if it's right for you, finding a better deal, and tips to boost it. See Economy 7 - Is It Worth It? | | | | 8. | Save £100s on boiler cover costs too. Many energy firms use our fear of losing heating to charge hefty insurance costs. Yet you needn't stick with your energy provider's boiler cover. Our Cheap Boiler Cover guide has full help, incl:
a) If you rent, your landlord's likely to be responsible for the boiler. Check.
b) Decide if you want boiler-only, or central heating cover too. Compare via uSwitch* and add Energyhelpline* & MoneySup* if time.
c) Add in Green Insurance* + E.on, Direct Line & Swinton* that they miss. | | | | 9. | Don't walk around in your knickers. It's not just cutting the rate, using less energy cuts bills too. It's amazing how many pay heftily to chunk up the thermostat while barely dressed - so change your instincts. Wear a jumper and check out these key resources...
- Energy Mythbusters: Incl is it cheaper to keep heating on all day?
- Energy Saving Hunt: Read our forumites' top energy saving tips.
- Green Deal Mythbuster: Includes underfloor heating & double glazing.
- Free Boilers & Insulation: Some on lower incomes/pension credit can get it.
- Free Solar Panels: With the right roof, you may be able to cut bills.
- Energy Saving Trust: Tips and information to save you energy. | | | | 10. | Can't afford to pay the bill? If you're seriously behind, or in general financial hardship, you may be able to get grants to help pay them. See our Housing and Energy Grants guide for full info. | | |
Blagged for MoneySavers |
Did you miss? |
 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 |
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| Wed 25 Sep 2013 |
iPhone 5S vs Samsung S4. FIGHTTTT
It's on. The two big handsets are squaring up on tech - but we care about who scores a knockout on price Being a first adopter of flash new handsets ain't MoneySaving. Yet with 34 new iPhone 5Ss being sold each second, if you're doing it, we want you do to it for less. Our updated Cheap iPhone & Cheap Samsung Tools do just that. Including... | Upfront cost | Monthly cost | Total over 24mths | | 2,000 mins, 5k texts, 3GB | | iPhone 5S* | None | £52 | £1,250 | | S4* | None | £32 | £770 | - Samsung S4s are £100s cheaper. We compared identical tariffs across networks. Every time, the S4 won. One typical example (right) compares like-for-like contracts with no upfront costs from Three. Here, the Samsung was nearly £500 cheaper.
For full details, see our Samsung S4 Top Deals and compare all Samsung deals. - Top iPhone 5S deals. To take a bite of the forbidden (for MoneySavers) Apple, we like this T-Mobile* deal; £170 upfront then £36/mth on just an 18-mth contract. As it's shorter, you can shift to a cheap Sim quicker. It has 600 mins, 3,000 texts, 750MB a month. If you've the cash, it's cheaper to buy a £549 iPhone 5S 16GB* and use Giffgaff* - £12/mth for 250 mins, unlimited texts, unlimited data. See iPhone 5S Top Picks and compare all iPhone 5S deals.
- To really save, grab the last but one model. Full info in our iPhones and Samsungs comparison, eg:
- iPhone 5: T-Mobile* is £99 upfront, then £27/mth (2yr contract) with 500 mins, unltd (fair use) texts & data.
- Samsung S3: Talk Mobile* nowt upfront, then £20/mth (2yr contract) with 750 mins, 5,000 texts and 1GB.
- Smartphone deal need-to-knows. 1) If you can wait, prices are likely to fall. 2) 4G costs extra, except for Three but its 4G isn't on yet. 3) If your contract's nearly up, haggle a deal with your provider. 4) For other handsets, see our Cheap Mobiles guide. 5) Flog your old phone after upgrading. See Who Pays Most For Old Mobiles.
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| 50% off EVERYTHING at Body Shop code & vch. MSE Blagged. Incl sale & non-sale goods. See Body Shop. Last chance. Shift debts to 28mths 0% with lower fee. Until Mon, accepted new Barclaycard Plat* customers can balance transfer to it for its market-leading 28mths 0% with a lower 2.99% fee (norm 3.5%). Repay quicker? Lloyds* gives 24mths 0% with a 1.5% fee. Clear both before the 0% ends, or they jump to 18.9% and 17.9% representative APR. FULL help, more best buys and options in Best Balance Transfers (APR Examples). Turn photos into £8 giant posters (RRP £28) & 75% off calendars
£8 XL poster (RRP £28) code | 75% off 2014 calendars code for A3 & A4 | Free £5 Snapfish credit | See ALL Photo Deals Urgent. Homebase 15% off everything code. This weekend only. Online code & in-store offer. Homebase Deals |
20+ tips to boost mortgage gettability
Getting a mortgage is a beauty parade. We'll show you how to rouge up, and get 'em whistling The days when lenders flung out mortgages willy-nilly are long gone. To get a mortgage, and more importantly a good one, these days it's all about your desirability. Our new 20 Tips For Getting A Mortgage will help. Some foundations...  - Add up all income, bonuses & benefits to ensure the property is genuinely affordable. Don't push too hard - not having a mortgage isn't as bad as getting one, then being repossessed.
- If you are applying for a mortgage, put down 0.1% more than the minimum deposit needed for it. This can boost your acceptability and softens the underwriting process.
- Manage your credit file in advance. Check all three agencies for errors a couple of months before. If there are gaffes, correct them. Full help in Check Your Credit File For Free.
- Ensure you're on the electoral roll. This speeds things up, and helps lenders identify you.
- You can't apply for a mortgage without an accepted offer, but you can get a decision in principle to get an idea of plausibility.
- Put off applying for cards, loans, overdrafts or mobile contracts. Unless vital, save your credit searches for the mortgage.
- Not sure where to start with a mortgage? Grab our free First Time Mortgage or Remortgage Guides.
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| Pimp your specs: New lenses and a frame MOT, £9 with code. Make do and mend. Cheap Glasses Tesco F&F clothes 20% code MSE Blagged | Sainsbury's Tu 25% off sale. Price war for Supermarket Clothing Why the 'bedroom tax' should be scrapped. It's probably a false economy. Martin's blog: Scrap The Bedroom Tax Ends Thu: M&S Outlet EXTRA 20% off code. MSE Blagged. Use on items already up to 50% off. M&S Outlet |
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Loan best buy tables LIE! Beat them
The tables say the cheapest £2,000 loan is 14.9%. Yet those in the know can get 18mths 0% or permanent 6.9% Never undertake a loan lightly. 1) Do you really need it? 2) Can you afford to repay? If not, don't do it! 3) Only borrow the minimum needed. 4) Plan to repay as quickly as possible to cut costs. 5) Ensure it's at the lowest possible rate...  Borrowing under £5,000? The cheapest loan isn't a loan. Here, even the cheapest loans are 12%+ rep APR. Instead there are far cheaper ways to borrow.
- 0% credit card 'loans'. If you can pay by plastic, the Tesco card* is 18mths 0%. So clear it by then and it's interest-free (avoid its 16.9% rep APR after). Need longer? MBNA for Life* is 6.9% long term on spending done on it in the first 90 days.
- Need cash? Short 0% or long 6.9% 'loans'. A money transfer credit card pays cash into your bank account, so you owe it instead. Short term: Virgin* is 26mths 0% with a 4% fee (beware 20.9% rep APR after). Longer term: AA's Transfer Plus* is 6.9% for a 2% fee until all the shifted debt's repaid. Full info: Money Transfers
If using a card to replicate a loan, remember while loan repayments clear the debt within a fixed time, cards allow flexible repayments, so discipline's needed. Work out what you'd pay on a loan, and fix card repayments at that.
- Just want a loan? Peer-to-peer lenders Zopa* and Ratesetter* operate a flexible loan marketplace, with loans you can repay early. They're sometimes far cheaper than standard loans. Full info in Peer-to-Peer Lending.- Loans for £5,000+ from 4.9%. For larger amounts, the cheapest loan is just a normal loan. For £7,500-£15,000: Sainsbury's* is 4.9% representative APR if repaid in under 3 years, Derbyshire* is 5% for up to 5 years. For £5,000 - £7,500: Clydesdale* and Santander offer 6.8% rep APR. Full info and best buys in Cheap Personal Loans.
- The key need-to-knows. 1) All require you to pass a credit check. 2) Never miss credit card min repayments or you can lose the deal. 3) Where it says 'representative' or 'rep APR' it means only 51% of accepted applicants need to get that rate, others may pay more (see loans & card APR examples). 4) In financial difficulty? Get Free Debt Crisis Help.
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| £6.50 Baileys (usually £13). 70cl bottles in-store at Asda. Can you find 'em? Please be Drinkaware. Codes... Whistles 25% off, Jones Bootmaker 20%, Habitat 25% & more...
Whistles 25% off code/vch in mag | Jones Bootmaker 20% off + free del | Habitat 25% off code and in-store |
Aldi £5 off £40 newspaper vch | Vertbaudet £20 off £50 | Tesco Direct £10/20 off | Tie Rack 20% off | Discount Vouchers
FREE 75p Nakd healthy snack bar. Just print a voucher. 5,000 available. Nakd Deals Last chance. Free Karcher power washer (RRP £80) OR £70 M&S with car insurance. Two deals end Mon. 1) Churchill's* giving a limited number of Karchers via this link if you get car insurance. The page'll say if it ends early. 2) Use code avivamse70 at Aviva* to get a £70 M&S e-gift card with ins. Important: We're not saying these are cheapest - ALWAYS compare. Use Gocompare* & Google* then add in Direct Line*. Better still, read FULL Cheap Car Insurance. Starts today. Huge 3-for-2 on toy sale at Argos. Includes 4,500 lines, in-store & online. Argos Deals |
Hidden 'no repairs' council MOT centres
Insider MOT tricks. It ain't the cost of the MOTs, it's the cost of the repairs that can cripple your pocket A whopping 40% of cars fail MOTs first time. While test costs are usually two-figure sums, repairs can be £100s or £1,000s. Of course, if they're for safety, they're needed, but... well, our full Cheap MOTs guide explains. To rev you up a bit though:  1 in 5 fail due to lights not working - walk round your car first. A scary number of people have obvious fails, like broken windscreen wipers or tyre checks. So use our DIY Pre-MOT Checklist to walk around your car beforehand and fix things easily first. - Choose the right test centre for your car. If your motor's mint and fails are unlikely, then just focus on getting the cheapest test. If you know it'll fail, go where they do cheap and reliable repairs. But if it's somewhere in between, then...
- Hidden council MOT centres. If you're happy with your test centre, great. Yet some report over-zealous fault-spotting they feel is to gain lucrative repair business. Council-run MOT centres set up for buses/ambulances also open to the public. They generally don't do repairs, so there's no vested interest. If they say 'fail', it's for safety.
We've had huge anecdotal feedback that this results in fewer unnecessary repairs: "Local garage said fail and £400 to fix. Council MOT centre passed, no problem. Thanks." See our list of 90+ UK Council MOT Centres. back to top ↑ |
| 50 Student MoneySaving tricks & deals. Our updated 50+ Student Tips includes budgeting, banking, deals & tricks, eg, the £12/year NUS Extra card now lets you bag 10% off at Co-op supermarkets - so spend £120/yr there and it's a winner. Ask Martin Student Finance Qs? Tweet him @MartinSLewis on Thu 10.30-11.30am as part of Twitter/NUS's #FreshersSurvival. Tesco 5p/L off fuel with £50 spend. Bag a voucher when you buy groceries online or in store. Cheap Petrol Flight Delay Compensation UPDATE. Compensation's only due where it's the airline's fault. A judge has said compensation is due (ruling's non-binding) if a flight's delayed due to the knock-on effect of the plane being delayed on a previous flight, where it wasn't the airline's fault. Confusing but important, see Flight Delay Compensation. Beat smoking this Stoptober - top freebies for quitters. If you're ditching ciggies, we've a raft of freebies to help, including quit kits, patches, apps & 'tangle toys' to keep your hands busy. See Stop Smoking Tips & Freebies. |
Restaurant vouchers | Discount vouchers | Top deals |
 CAMPAIGN OF THE WEEK
Spy on irresponsible payday loan ads
Citizens Advice has issued tips on the rules payday lending ads are supposed to follow. The Advertising Standards Authority can ban bad ads wherever they appear, so if you spot a misleading ad, let it know (opens a PDF). Discuss on the MSE forum: Misleading payday loan adverts BOOK GIVEAWAY
Eyes Wide Open. 25 blagged for MoneySavers. Find out if you got one. MONEY MORAL DILEMMA
Should I go without for the sake of my live-in tenant?
This week's MoneySaver who wants advice asks... My unofficial live-in tenant (no contract) has lost her job, so can't afford her rent just now. She's asked me to lower it until she gets work again, at which point she'll reimburse me. Problem is, I rely on that income. Should I struggle myself, or tell her she has to move out if she can't afford to pay? Enter the Money Moral Maze: Should I go without for the sake of my live-in tenant? | Suggest an MMD | View Past MMDs THE GREAT HUNT
Are there savings or losings to be had on night shifts?
Night-shifters, do you find MoneySaving different to day-time workers? We want to tap your collective knowledge to find out how night owls bag bargains. Share yours/read others': Night shift savings Past topics: View all CHEAP FLIGHT SALES ALERT
Airline: Monarch Offer: Up to £25 off code Ends: Ongoing
This week's pick is Monarch's £25 off code. Each passenger gets up to £25 off any return flight for travel from 1 Oct 2013 to 31 Oct 2014, but it doesn't apply to infants. Enter code MYSAVING at the checkout to get the discount. To find flights quickly, use the FlightChecker on a return 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 THE GREAT HUNT... REVEALED
Shrinking food - what's getting smaller?
Chocolate, cheese, chicken, even cat food - MoneySavers have a comprehensive list of shrinking foods. A couple of forumites have noticed multipacks and 'more for less' deals are getting smaller, while a major supermarket has apparently reduced alcohol content in drinks without reducing the price. Sneaky stuff indeed. back to top ↑ |
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Martin's blogs | Martin's appearances 26 September
Daybreak, ITV, 7.35am-7.45am.
Deals of the Week. | 26 September
Shelagh Fogarty, Radio 5 Live, 12pm-1pm.
Consumer Panel.
Listen to past shows.
| 27 September
This Morning, ITV, 10.30am-12.30pm.
Money Talks with Martin Lewis.
A celebrity faces Martin in the vault. | 30 September
This Morning, ITV, 11am-12pm.
Mortgages. | |
MSE team corner - Team appearances:
- No team appearances this week.
| Discussion of the week How to stop feeling guilty for saying NO One forumite pays for her teenager's phone, trips out, etc and gives him £40 each month - but he still wants more. Others suggest he gets a job, or she makes it weekly and another shares their own story. | Cheap travel money |
This week's poll: Should we switch to plastic bank notes? The Bank of England is planning to scrap paper bank notes in favour of polymer (plastic) notes, as used in Canada and Australia.
They're more durable than paper notes and they survive money laundering - being put in the washing machine - but not ironing. They can be folded, but aren't as easy to roll in a wad. Concerns so far include cleanliness and whether they can be used for magic tricks.
Which of these is closest to your view? | Poll resultsWill new 7-day switching make you more likely to switch bank account?
The new switching regime has failed to whet the appetite of the vast majority of current account customers. Of those who've:
- Never switched, only 22% are now likely to.
- Switched 10+ years ago, it's 13%.
- Switched 4-10 years ago, it's 18%.
- Switched 1-3 years ago, it's 17%.
6,554 voted. See the full results. |
| Q: My son is autistic. Recently his bank changed his cash card to a debit card and he ran up charges. Is there a way to get a card which only gets cash out, limited only to what he has in his account? Ingrid, by email. MSE Helen S's A: The first thing you should do is go into your current bank with your son and talk to them. Usually where mental health issues are involved, the bank will be sympathetic. However, your extended question indicated this hadn't worked for you in this case. Therefore, you need to go to a different bank and open a basic bank account. Most basic bank accounts have debit cards, but a couple give a cash card instead. They're Santander's Basic Current Account and the Cash Card Account from Barclays. The Barclays account offers the choice between a debit card and a cash card, so make sure they give you the right one. The Barclays account needs to be opened in a branch, the Santander one by post. For both accounts, your son will need a form of ID and proof of address to open the account. Call the bank before applying if you're unsure what to bring. Please suggest a question of the week (we can't reply to individual emails). |
 Archna's free game of the week: Blym |
Take the 'are you still down with the kids?' test Do you know the difference between twerking and fracking? Do you know your swag from your YOLO? Find out how up-to-date your pop culture knowledge is in this fun Are you still down with the kids? quiz. 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 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 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, how this site is financed and Editorial Code. Martin Lewis is a registered trade mark 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. In September 2012 it became part of the MoneySupermarket Group PLC. 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 npower.com, three.co.uk, energyhelpline.com, uswitch.com, moneysupermarket.com, greeninsurancecompany.co.uk, swinton.co.uk, t-mobile.co.uk, apple.com, giffgaff.com, carphonewarehouse.com, barclaycard.co.uk, lloydstsb.com, tescobank.com, mbna.co.uk, uk.virginmoney.com, theaa.com, zopa.com, ratesetter.com, sainsburysbank.co.uk, cbonline.co.uk, barclaycard.co.uk, churchill.com, aviva.co.uk, firstdirect.com, google.co.uk, gocompare.com, directline.com, confused.com, comparethemarket.com, postoffice.co.uk, bt.com.
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