| | MARTIN'S QUICK BRIEFING: For more tips, alerts & awful puns, follow Martin on Twitter Warning: 100 days to Christmas
12 saves to DO NOW to ensure you spend less for the big day Nooo... don't think I like tinsel and Jingle Bells before December any more than the next man. I hate the growing early creep of Christmas. Yet, like any major annual expenditure, planning's crucial. The best time to start's January, but as within the next week we hit 100 days to go, there are still big ways to save.
| 1. | Don't pay for Christmas from December's income. Never just plot a Christmas lust list of everything you want. A typical family's Xmas spending is £835, too much for Dec's income alone. So work out now what you can afford to put aside in Sept, Oct, Nov & Dec. Once you know how much you've got, ask: "What's the best possible Christmas we can have on that?" | | | | 2. | Free £100 Amazon voucher in time for Christmas. The Amex Gold* charge card gives accepted customers who spend £2,000 on it within 3 mths 20,000 bonus reward points - convertible into a £100 Amazon voucher. The points arrive as soon as you hit £2,000, so if your normal spending would cover that, just do it on the card and bingo, free Amazon voucher for Xmas.
Key rules: 1) This is a charge card (min income £20k), designed to be fully repaid each month, so there's no interest. Fail to do that & you get a £12 charge and credit file default. 2) The card's fee-free in year one, but £125 annually after, so if you don't want to pay that, cancel before then. Full info: Credit Card Freebies | | | | 3. |  Xmas & NY Travelodge rooms £21. If you're visiting rellies, budget chain Travelodge still has some £21 rooms for 23 Dec to 2 Jan. Go quick to bag prime dates. Full help: Travelodge Sale | | | | 4. | Bag 5% off ALL Xmas shopping. Cashback credit cards pay you each time you spend on them. So do normal spending and set up a direct debit to repay IN FULL each month to avoid interest and you're quids in. The cashback's usually paid on the anniversary of opening the account.
Amex Plat Everyday* (min income £20,000) pays a HUGE 5% back, up to £100, on ALL spending in the first 3 mths, then up to 1.25%. So apply now and happily the big cashback covers all Xmas spending (fail to fully repay and it's 19.9% rep APR).
If your credit score ain't great, Capital One Classic Extra* accepts some with older CCJs/defaults and pays 0.5% cashback on all spending. Though if you fail to fully repay, it's a monstrous 34.9% representative APR. Full step-by-step help in Top Cashback Cards (APR Examples).
| | | | 5. | Try some DemoHoHotivation. The www.demohohotivator.com tool shows how small sacrifices can save you large, eg, how much you can boost your Christmas cash by cutting out something like a cappuccino or weekly mag. We're not saying do it, just work out which use of cash gives you more joy. | | | | 6. | Ban unnecessary Christmas presents? Christmas isn't a retail festival. Yet gift inflation sees people give to an ever-widening glut of extended family & colleagues. The joy of giving can be selfish if it obliges someone to buy you one back. Read my Ban Xmas Gifts? blog and consider a No Unnecessary Presents Pact. | | | | 7. | 40 tricks to boost online shopping power. Use the web's power to cut the cost of most gifts. Full info in our 40 Online Shopping Tricks, including:
a) Shopping comparison sites find the cheapest prices for all goods - MegaShopBot.com searches the best for each type.
b) Build secret 75%+ bargain basements with Amazon Discount Finder.
c) Map hidden Local eBay Deals with free tools & smartphone apps.
d) Keep an eye out for Photo Book & Canvas Codes.
| | | | 8. | Don't borrow for Christmas, but if you do, ensure it's 0%. Xmas borrowing's a bad idea. Far better to go, er, cold turkey, and have a more austere time (Christmas is just one day, after all). Yet if you'll borrow anyway, at least do it right. The cheapest way is on a 0% SPENDING card.
The longest is Tesco's 18mths 0%*. Yet even though it lasts more than a year (provided you make the min repayments), plan to clear it before next Xmas or you'll compound your problems. If you don't clear before the 0% ends, beware - it'll jump to 16.9% representative APR. FULL help: Top 0% Cards or check your chances of getting it in our Eligibility Checker. | | | | 9. | Thriftsmas - crafty ways to make everything you need. The Old Style forum board's Xmas Prep 2013 thread's about how to thriftily spend time, rather than cash, to DIY. Gems include crafty cards, magic reindeer food (edible glitter & oats) and cute monkeys made from old socks as prezzies. | | | | 10. | Got it & don't need it? Flog it now for fast Xmas cash. Many old items can be worth serious cash. Our MobileValuer comparison finds the best payer for any handset - you can get £100s. Plus see eBay Selling for tools & tips on getting max value for any wares at the online auction giant. | | | | 11. | Don't use Tesco vouchers for festive food. A £10 voucher is worth just £10 in-store. Yet you can triple its value (£10 becomes £30) on gift items such as jewellery, or use its in-store 'double-up' scheme to get 2x value year-round on selected items, incl fragrance & clothing. See Reclaim & Boost Tesco Vouchers (some find £100+). | | | | 12. | Set up a Christmas cupboard, then POUNCE on the biggest discounts. Don't waste time and money, be a tactical Christmas shopper. Decide what you want, make a list, get a Christmas cupboard ready to put stuff in, then wait until what you're buying's at the cheapest price.
To find those kick-bum prices: a) This free weekly email will include all the big bargains, vouchers and one-day sales. b) Regularly check our Vouchers, Hot Bargains and Sales pages for even more. c) Use the Forum WOW Deals Feed to track MSE forum users' best-rated deals, updated every minute. | | |
Full list of ways to cut the cost of festive revels in 40+ Xmas MoneySaving Tips. |
Blagged for MoneySavers |
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 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 |
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| Wed 11 Sep 2013 |
New. No energy hikes for FOUR winters
Fix your gas & electricity tariff until March 2017 with a new, cheaper, and far longer tariff
We're striding towards winter. Sadly, energy prices are predicted to rise this year, then keep rising. Two new top fixes help, but don't rely on them being around long, firms use them to grab market share. Once they hit quotas, they're withdrawn. - Save big cash and beat price hikes. Npower's just launched two new leading fixes where you lock in a rate. Better still, neither have early exit penalties, so if things change you can leave - no problem.
| NEW TOP FIXED PRICES Based on typical usage, not available for prepay | | Fixed until | Exit fee | Cost/yr | | Someone on a standard tariff (1) | - | - | £1,420 | | New longest fix (& cheaper than any other 3yr+ fix): Npower Price Protector* | 31 Mar 2017 | None | £1,340 | | New cheapest non-exit penalty fix: Npower Online Price Fix* | 30 Nov 2014 | None | £1,180 | | Cheapest fix, but shorter & with exit fees: M&S Fix and Save | 30 Sept 2014 | £50 (2) | £1,140 | | Cheapest variable (subject to price rises) | - | - | £1,155 | | Unless stated, prices are avg monthly direct debit, dual fuel. Varies by region. Pay by monthly direct debit to save 5-8%. (1) Quarterly billing, dual fuel Ofgem data. (2) If you leave either fuel | - ALWAYS compare and get £30 cashback. Your winner and saving depends on your usage and where you live. Use our MSE Cheap Energy Club comparison to get your exact results, plus £30 dual-fuel cashback and a free night in a hotel if you switch to the Npower tariffs above via it. Uniquely, Cheap Energy Club then monitors your tariff & alerts you if it's time to switch again. Alternatively, more cashback deals in Cheap Gas & Elec.
PS. We're celebrating, 500,000 people have now joined our energy club in just 6mths. Thank you. We hope it helps. - Is it worth fixing? If you're on a standard tariff, it's a no-brainer - you can save and ensure a hike-free 3 and a half years. As prices could rise 30-40% by then, that could be a huge saving (not guaranteed of course). Whether to fix short or long, or ditch a cheaper tariff now to fix, is a finer balance that depends on how important price certainty is to you.
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| FREE day in 4,500 hidden historic gems. This Thu-Sun, many usually-closed English buildings must open, many that charge must be free. Incl Nenthead mines, Yorkshire police cells, Beatrix Potter's house. See Free Heritage Days. Vax up to 75% off clearance code. Starts Thu, hugely popular last time, incl Air3 vacuum £70 from £250. Vax Deals 3% savings, now on up to £40,000. We've mentioned before Santander's 123* £2/mth current account pays 3% AER on balances £3,000-£20,000 (smashing the 1.75% easy access savings best buys), and cashback on bills. Yet we've just discovered you can open TWO accounts. It's can be fiddly for some, see our Step-by-Step: Earn 3% Savings. Primark sales trick - order ONLINE with free del. Its queues are hellish and you can't buy online. Yet here's a cunning tip. Asos* now sells Primark goods, and has some of its sale stock, eg, £5 denim shorts. See Primark Deals. |
Lock in card debts at 6.9% for LIFE, no fee.
New top 'life of balance' deal. Shift debts to this new card and the rate stays permanently low If you've costly credit card debt, a balance transfer means you get a new card that repays your existing ones, so you owe it instead. Normally they're short-term offers, but a new deal is perfect for those who need long-term cheap rate certainty.  6.9% for LIFE. If you can repay quickly 0% wins, but for longer or if you're unsure of repayments, 'life of balance' is safer. With the new MBNA Rate for Life* card accepted customers can lock in at 6.9% APR until all the shifted debt is repaid, as long as you make the min repayments. Transfers must be made within 60 days of opening. - Or 28mths 0% if you can repay quicker. Grab the 0% deal with the lowest one-off fee lasting long enough for you to clear the card within that time. Here are the best buys:
- Longest 0%: Barclaycard's 28mths 0%* but there's a 3.5% fee (18.9% rep APR after).
- Long 0% lower fee: Lloyds 24mths 0%* with a much lower 1.5% fee (17.9% rep APR after).
- Lowest fee 0%: Lloyds 15mths 0%* with just a 0.8% fee (17.9% rep APR after).
- All options: See Best Balance Transfers (APR Examples).
- Will you be accepted? To get cards, you must pass a credit score. Yet applying to find out adds a mark to your credit file. To find each card's acceptance odds without a mark, use our free Balance Transfer Eligibility Checker.
- The balance transfer golden rules. 1) Repay at least the set monthly min, or you may lose cheap deals. 2) Aim to clear 0% debt or shift before the 0% ends, or rates rocket. 3) Don't spend on these, it isn't at cheap rate.
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| 25p London-Birmingham train singles. Over 25,000 tickets each way, Marylebone-Moor St. Chiltern Railways Ends Thu. Line rent + broadband equiv only £7/mth. MSE Blagged. Half cost of BT line rental only. Here's how: 1) Eve/wknd calls & unlimited b'band. For newbies via this TalkTalk* link, it's 1/2 price at £3.75/mth on 12mth contract (b'band avail to 85% of UK). 2) Line rent. Usually £15.40/mth, later in sign-up process pay £114/year upfront, equiv £9.50/mth. 3) FREE £70 Love2Shop vouch. Factor as cash and it's £89 all-in for a year (equiv £7.40/mth). Full info: TalkTalk FitFlops up to 50% off. Two e-tailers have sales on the toning footwear - one has extra 10% off code. FitFlop |
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| End of season holiday deals, eg, Ldn-Majorca £109 per person, 2-star incl flight. Package holiday late deals are on. We've found serious bargains if you can go at short notice. Full help in Cheap Package Holidays. Codes... Amazon 20% off fashion brands, Tesco.com newbies £15 off & more...
Amzn 20% off fashion INCL BRANDS | Urban Outfitters 15% | River Island womenswear 25% code/discount card - £4 mag
Tesco £15 off £60 newbies' grocery code | Debenhams extra 10% off sale | Brantano 30% off | Discount Voucher Codes Forum Hottie. £2 Suddenly perfume - smells like Chanel? Sale on Coco Mademoiselle smell-a-like. Lidl |
Tool slashes contact lens costs by £100+
It instantly finds you the same lenses for less... plus hot 25% off codes | Or get specs for £11 all-in Don't make a spectacle of yourself paying eye-watering sums for contacts. We've a cornea-copia (sorry) of cost-cutting tricks to help. Our tool is a true site for sore eyes (sorry again). Take a peek...  Find the same lenses £100+ cheaper. Our Cheap Contact Lens Finder instantly reveals which online discounter sells your normal lenses cheapest (incl own brands), so you get the same for less, eg, 360 pairs Focus Dailies All Day Comfort £206, compared to £300-£370 on the high street. See the Cheap Lenses guide for full safety, rights & aftercare help, & more ways to save.- Urgent: 25% off all lenses code. We've also got lots of codes to reduce costs further, including one supplier's 25% off all lenses code for this week only. See the Contact Lens Discount Codes, then use the tool to compare how the providers with codes stack up for your lenses.
- Get specs from £11 all-in. If glasses are more your thing, buying online slashes the cost. Check out Cheap Glasses for £11 Sisley and £19 Bench specs, including lenses & delivery.
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M&S up to 70% Outlet clearance. Online sale on men's, women's, kids' and home items. Usually up to 50% off original M&S prices. Currently up to 70% off while stocks last. M&S Outlet offers 18 Burger King vouchers, incl 2for1 Whopper. Just register and print. Valid till November. BK Deals Unhappy with Lloyds/TSB shenanigans? Bag £125 to switch. On Mon, 4.6m people were moved to the new TSB bank as it split from Lloyds. The products remain identical, but that means many rates remain identically pants. So don't whinge, switch. For example, First Direct's* smashed every customer service poll we've done, gives new switchers £125, has a £250 0% overdraft and a linked 6% regular saver. See full Best Bank Accounts and Lloyds TSB Split Help Q&A. 'Free' £10 Helen E lipstick code (£2.50 p&p). 'Like' on Facebook. 1,000s available in 22 shades. Helen E Deals |
Last chance to get a cheap mortgage fix?
The pundits say the tide is turning, cheap deals are being pulled. If you're planning a fix soon, do it now.
Many have had cheap mortgage heaven, with rates at historic lows. Yet while the Bank of England boss says rates are unlikely to move up for a couple of years, the markets think otherwise. That's factoring into fixed mortgage rates. - Top five year fix 2.49%, but for how long? City swap rates have jumped over the last week, and they usually feed into mortgage rates, so we've seen 'best mortgages set to disappear' headlines. That's probably over-ramped. A more balanced view from broker L&C: "There are still some brilliant deals... but the tide is slightly turning." Do watch out for extra fees though; the smaller your mortgage, the bigger the impact. Use our Mortgage Calc to work it out.
| Top mortgage fixes (via L&C Mortgages*) | | Lender | LTV (% of home value borrowable) | Rate | Fix | Admin fee | Cost on £150k over fix (i) | SVR (ii) (rate after fix ends) | Overall APR
(if you never switch) | | West Brom BS* | 60% | 1.48% | 2yrs | £2,494 | £16,860 | 3.99% | 3.7% | | N&P | 65% | 2.19% | 2yrs | £295 | £15,890 | 4.99% | 4.6% | | Skipton | 90% | 3.99% | 2yrs | £0 | £18,990 | 5.49% | 5.4% | | Tesco* | 60% | 2.49% | 5yrs | £1,495 | £41,830 | 4.24% | 3.7% | | Yorkshire BS* | 65% | 2.84% | 5yrs | £475 | £42,410 | 4.99% | 4.2% | | Nottingham | 90% | 4.39% | 5yrs | £299 | £49,760 | 6.14% | 5.6% | | Ensure you budget so it's affordable - or as they say: "Your home may be repossessed if you don't keep up repayments." (i) 25-year mortgage, fee paid upfront. (ii) Variable. | - Should I fix? Judging the market is tough. But at the moment, we're in a rare time where fixing and getting the certainty of a guaranteed rate can be cheaper than a 'discount' deal where the rate will move with the market. Yet more importantly, look at your own finances. If any increase in your mortgage rate would put you close to the financial brink, the more you should focus on certainty. Full help in our Should I Fix My Mortgage? guide.
- FREE MSE mortgage and remortgage booklets. It's one of the biggest financial decisions you'll make, so get fully tooled up first. Get our Free Remortgage Booklet: Instant PDF or Order Printed Free Mortgage Booklet: Instant PDF or Order Printed.
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| Flogging an old iPhone? Prices may drop rapidly - do it now. A new iPhone's soon out. Just before iPhone 5 launch announcement, the 4S price was £306, soon after £224. Find best price: MobileValuer. See iPhone Prices Drop news. House of Parliament tours 20% off code. Rare discount on tour tickets for 17 Sep-4 Oct. Parliament Tours Free £70 M&S or Argos voucher with home insurance. MSE Blagged. Use code SEPMS (M&S) or SEPAR (Argos) with Legal & General* to get £70 of vouchers for buildings & contents cover. Important: We're NOT saying it's cheapest, always compare with the best from Confused.com* & CompareTM* (and add Aviva* & Direct Line*). Better still, read the full Cheap Home Insurance guide. |
Restaurant vouchers | Discount vouchers | Top deals |
 Got a real-life money moral dilemma? Please email your cash-related quandary to MMD@moneysavingexpert.com. THE GREAT HUNT
How far would you go for a deal?
Would you travel 70 miles by train to nab a cheap telly? How about if you had to walk halfway there? Most of us love a bargain, but will only go as far as it's worth to get it. How far have you gone, and how far you would you go to bag a bargain? Share yours/read others': How far would you go for a deal? Past topics: View all BOOK GIVEAWAY RESULT
Save With Jamie. 200 blagged for MoneySavers. Find out if you got one. CAMPAIGN OF THE WEEK
Women - what do you want to know about pensions?
The Pensions Advisory Service wants to help more women save for retirement. Whether you already have a pension, or you've yet to start saving, take its quick survey to tell it what info you'd find useful to know. Suggest a campaign: This is for MSE to support work by other charities, groups and campaigners. Send your campaign of the week suggestion. MONEY MORAL DILEMMA
Should my now debt-free brother move out?
This week's MoneySaver who wants advice asks... My brother has finally got himself debt-free, and is now looking to save up a deposit to move out of the family home. But my mother's just been made redundant, leaving only my dad paying the bills. As my parents allowed him to live at home during tough times and supported him throughout his debt-free journey, should he wait until they're financially stable again before moving out? Enter the Money Moral Maze: Should my now debt-free brother move out? | Suggest an MMD | View Past MMDs CHEAP FLIGHT SALES ALERT
Airline: Monarch Offer: £25-off code Ends: 10am, Fri 13 Sep
This week's pick is Monarch's £25-off code. Each passenger gets £25 off any return flight for travel from Tue 1 Oct. If four travel, that's £100, but it doesn't apply to infants. Enter code HUGESALE 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 MSE Charity community grant applications. If you're a charity or group involved with financial and consumer education projects, there's still time to apply for the latest round of funding from the MSE Charity. Full info at The MSE Charity. Related: MSE's Charity Fund, How This Site's Financed back to top ↑ |
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Martin's blogs | Martin's appearances 12 September
Daybreak, ITV, 7.35am-7.45am.
Deals of the Week. | 12 September
Shelagh Fogarty, Radio 5 Live, 12pm-1pm.
Consumer Panel.
Listen to past shows.
| 16 September
This Morning, ITV, 11am-12pm.
100 days to Christmas. | | |
MSE team corner - Team appearances:
- No team appearances this week.
| Discussion of the week A debt-free life We're ecstatic when we hear of MoneySavers winning their money battles, such as on the Mr and Mrs K's New Journey to a Debt-Free Life thread. With suggestions and support from other MoneySavers, get some inspiration for your journey to a debt-free life. | Cheap travel money |
This week's poll: What gadgets do your kids own? Which of these do your kids have (ie, for their primary use)?
Select as many as you need to in each age category. | Poll results How good is your money maths?
Our tricky question: which of these stock market scenarios gives the best return? A. It rises 10%/year for 4 yrs, then drops 10%/year for 4 yrs
B. When it drops 10%/year for 4 yrs, then rises 10%/year for 4 yrs
C. When the market stays the same - CORRECT ANSWER.
See Martin's explanation.
D. All of the above give the same return
Only 22% got the correct answer, 21,647 voted. See the full results. |
| Q: Is it possible to get travel insurance just for lost luggage, flight delays or cancellation of holidays? I have private medical insurance (PMI) so I don't need medical cover. Michael, by email. MSE Tony's A: The first thing to say is most PMI policies don't cover you outside of the UK. If you have one of the few that do, it's likely to have limited range and for emergency cover only, so check yours carefully. Also travel insurance policies usually include repatriation (bringing you home when ill, which can be very expensive), PMI may not.
So it's safer to go for travel insurance as well - especially as it's designed as a package (medical, baggage, cancellation, flight delay, repatriation and more) so trying to find one with no medical cover can cost more than having one with. If you are duplicating, you could plump for a dirt-cheap policy, from £15/year - see our Cheap Travel Insurance guide. Please suggest a question of the week (we can't reply to individual emails). |
 Archna's free game of the week: Construction Fall |
We challenge you not to smile... That's it for this week. Yet If your spirits have gone the same way as the temperature, or you just fancy a giggle, our forumites have been collecting pics which are bound to cheer you up (our favourite's post 17 - very MSE...). 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 americanexpress.com, capitalone.co.uk, tescobank.com, npower.com, Santander.co.uk, asos.com, mbna.co.uk, barclaycard.co.uk, lloydstsb.com, talktalk.co.uk, gocompare.com, google.co.uk, directline.com, moneysupermarket.com, aviva.co.uk, admiral.com, sainsburysbank.co.uk, firstdirect.com, westbrom.co.uk, ybs.co.uk, lcplc.co.uk, legalandgeneral.com, confused.com, comparethemarket.com, firstdirect.com, , postoffice.co.uk, bt.com, energyhelpline.com, uswitch.com.
Financial Conduct Authority (FCA) Note Referring people to insurers or insurance intermediaries can in some circumstances constitute an FCA regulated activity. For this reason, pages with links which take you to the sites of insurers or insurance intermediaries are hosted by MoneySavingExpert.com Limited on behalf of MoneySupermarket.com Group PLC. MoneySupermarket.com Financial Group Limited is authorised and regulated by the Financial Conduct Authority (FRN: 303190). The registered office address of both MoneySupermarket.com Group PLC and MoneySupermarket.com Financial Group Limited is MoneySupermarket House, St. David’s Park, Ewloe, Chester, CH5 3UZ. To change your E-mail or stop receiving the weekly tips (unsubscribe): Go to: www.moneysavingexpert.com/tips |
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