| | MARTIN'S QUICK BRIEFING: For more tips, alerts & awful puns, follow Martin on Twitter Cheap energy fixes being pulled - ACT NOW
So far: Npower UP 10%, British Gas UP 9%, SSE UP 8%. Beat the hikes Every energy customer who hasn't acted, check now. Since last week, two top cheap fixes have been pulled (if you locked in then, you're fine - see the Q&A) and British Gas & Npower have hiked prices. The rest of the big six, like sheep, are sure to follow. So no apologies for my continued nagging.
Many can save £100s and lock in no price hikes for up to 4 years with a cheap fixed tariff. As some have no exit penalties, if prices elsewhere get cheaper again, you can leave. Here are just two examples of huge feedback we've had: Jenni tweeted: "Wow wow wow! We saved £350/yr and fixed our energy tariff."
Paul K tweeted: "Just ditched SSE & BG after 15 years. Now paying less & fixed till 2017. Thanks for making it so easy." - ALWAYS compare to find YOUR cheapest (and get cashback). The table shows average prices, but your winner depends on usage & location.
We've built an MSE Cheap Energy Club Top Fixed Tariff Picks comparison page to show your winner, as normal comparisons just sort by tariff price.
It has BG, SSE & Npower's new rates in, so savings are compared against post-hike prices. If Energy Club can switch you, you'll get £30 dual fuel cashback. More cashback options in Cheap Gas & Elec.
| TOP FIXES FOR TYPICAL USAGE - valid 23 Oct 2013. Not prepay. | | Fixed until | Exit fee | Cost/yr | | Typical standard tariff (estimated post-hikes) (1) | - | - | £1,550 | | Typical standard tariff (pre-hike price) | - | - | £1,420 | Longest, cheap fix: Npower*
| 31 Dec 2017 | None | £1,370 | Next longest fix (slightly cheaper): EDF*
| 31 Mar 2017 | None | £1,340 | | Cheapest no-exit penalty fix: EDF* | 31 March 2015 | None | £1,180 | | Cheapest fix but with exit fee: First Utility* | 31 May 2015 | £30/fuel | £1,170 | | Cheapest variable (subject to price rises) | - | - | £1,120 | (1) Quarterly billing. Source: Ofgem.
All others average monthly direct debit. Varies by region. | EVEN MORE... BEAT THE ENERGY HIKES Q&A
Help whether you're planning to fix, or already have  Over the last few weeks, we've collated your forum & social media questions. As they've flooded in, we've added even more. Here are just some.
Click the video Q&A on the right if you prefer to listen than read (there are more questions too...) or see the full Energy Fixing FAQs list.
| | | Q. | The Prime Minister's saying switch but you're saying fix? Why? | | A. | A little bit of knowledge is a dangerous thing, and frankly the PM's proved just that. His call to ditch & switch mid-price hikes as a political point to show the market's competitive is too blunt, and rather damaging advice.
Try to compare & switch right now and your cheapest will likely be a firm that's yet to announce hikes, but will soon. So you could be shifting out of the frying pan into the fire. Focusing on cheap fixes stops that happening.
If you do want the cheapest 'variable' tariff, best to wait until all the big six have upped prices so it's a level playing field to compare. | | | | Q. | Should I take a short cheaper fix, or fix long? I can't decide. | | A. | It's less certain short-term, but over the next 5 yrs 30-40% price rises are predicted. For a short fix to beat 4-winter ones, two things need to happen:
a) Prices rise less than 10%+ each year. It's almost certain prices will rise overall every year; the question is by how much? 10% annual rises are possible, but pretty high. If you're cautious and can't risk big hikes, go long.
b) You must keep switching. The maths above assume as soon as your short fix ends, you'll fix/switch cheap again. The Cheap Energy Club will monitor to tell you when to do it. If you're not the type who'll bother, go long.
What are others doing? Energy Club stats show 83% fixing short, 17% long. | | | | Q. | I'm on a prepay (key or card) meter. Can I fix? | | A. | Yes, but only with British Gas and the limited competition means here the cheapest fixes are far from cheap. Its longest fix, which lasts three winters (till March 2016) may turn out to be a good deal if prices rise hard, but it's a tough call as you pay a lot more now.
To see how it stacks up, you can compare prepay tariffs and click the 'fixes' tab. If you're looking at non-fixes, while those on standard deals should save, you risk moving to a firm that'll soon hike. So you may be best waiting until all have hiked, so it's a level playing field to compare.
It's also worth considering shifting to a billed meter, if your credit score allows. For how to do this cheaply, see the Cheap Prepay guide. | | | | Q. | I have electricity only, can I still fix? | | A. | Yes, and all our top picks are available elec-only. Compare Top Elec Fixes. | | | | Q. | Comparing shows a fix'll cost me more - should I still do it? | | A. | If you're with a firm that hasn't yet hiked, then remember it's likely to up prices 8%-10%, so unless fixing costs you more than that, it's a no-brainer.
If it's more than that, or your provider has already hiked prices and the comparison shows a fix costs more; this is all about how much you need certainty. Energy tarts who switch regularly (the MSE Cheap Energy Club gives alerts), could just ride it out. If not, a fix is worth it more often. | | | | Q. | My fix is ending soon (eg, Jan or Mar 2014) - should I ditch & refix? | | A. | Without a crystal ball, it's impossible to know. So here's my best guess.
No exit penalties (eg, EDF Blue): As it can take 2 mths to actually switch over, you'll hardly have any time left on your cheap fix, so there's little problem.
With exit penalties: These can be £100 and I'd be surprised if fixed prices rose that much by Jan, so it's worth sticking until mid-Dec (when you can switch penalty-free). Yet for March finishers who want to grab a long fix, the risk is bigger that you may miss the boat. | | | | Q. | Is a fixed discount the same as a fix? | | A. | Annoyingly some firms offer 'fixed discount' price promises, ie, they say "you'll always pay 6% less than our standard tariff". In other words, it's a variable deal subject to price rises. Our list of course, only shows real fixes. | | | | | | Q. | Is it too late to fix with British Gas? | | A. | No, but why would you want to? I'm surprised how many have asked this. Frankly it's missing the point. This isn't about just fixing, it's about fixing cheaply. Find your cheapest using Energy Club Top Fix Picks comparison. | | | | Q. | Does switching affect my credit rating? | | A. | Suppliers often carry out credit checks when you apply that show on your credit file. Lenders can see these. Each application can have a minor effect on a future credit score. It's usually not an issue unless you're applying for lots of other credit cards and loans all around the same time. | | | | Q. | Can landlords dictate which energy provider you can use? | | A. | If you pay the landlord for electricity and/or gas, it's their choice. Yet if you pay the bill, you should be free to switch (unless it means changing meter), but some tenancy agreements make it a breach. Talk to your landlord - they may just be happy switching to a cheaper tariff with your existing firm. Do let us know your experiences via our Renters Switching Poll. | | | | Q. | I'm in debt to my supplier, can I switch? | | A. | If you're on prepay, you can if the debt's £500 or less. Otherwise, it varies by supplier and payment method. British Gas and Scottish Power told us you'd need to pay off the debt before switching away. The other big six firms may let you switch, then pay it off. If you're in credit when you switch, your old provider needs to give you the cash. | | | | Q. | Is it true that paying by direct debit is cheapest? | | A. | Yes, but specifically for monthly direct debits, which can be 6% cheaper. Your bill is then estimated, so make sure you do regular meter readings. | | | Q. | I fixed last week. Now prices are up, will I get it? | | A. | The point of a fix is you're not affected by price rises.
If you fixed to cheap Npower tariffs that've now been pulled, you should be fine - you'll normally get the prices advertised at the point you applied (whether directly or via a comparison site). Things can go wrong though, eg, you fail a credit check, or if you're heavily indebted to your supplier and it tries to block you. If so, you should be told within about two weeks. More details in Already fixed? Q&A. | | | | Q. | How long does it take to get confirmation after switching? | | A. | You usually get a confirmation email from the comparison site within 24 hours (definitely via Cheap Energy Club). After that, you're due a welcome pack, but as so many are switching right now providers are swamped. It could take weeks (and sometimes they even deny you've done it). | | | | Q. | How do I switch - will the new company contact the old? | | A. | Yes. There's no need to contact your old provider (unless, perhaps, you are in debt with it and want to discuss how you pay it off). | | | |
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| Wed 23 Oct 2013 |
New Tesco Clubcard Boost (& urgently reclaim lost vouchers)
Starts Mon. Tesco's Christmas Clubcard Boost means you can double Clubcard vouchers' value on more goods Regular shoppers at the UK's biggest store (it takes £1 in £8 spent in UK shops) earn Clubcard points, which are converted into vouchers 4 times a year. The latest batch is due out - use our redemption recipe below to gain massive extra value.  Urgent: Find £100s of lost Tesco vouchers (£16m expiring soon). Vouchers last two years, and Tesco says 2m people have unspent vouchers worth up to £16m, due to expire on 30 Nov. Whether lost or just forgotten, Reclaim Old Tesco Vouchers. Forumite sushiguru's proof it works: "Holy cow - £115 of vouchers, made my week."- Check if you can QUADRUPLE value. Before doubling in-store, check Tesco's Boost With Clubcard Partners deals (Tesco Rewards, as was). You can get 3x or 4x value, eg, £10 becomes £40 at Ask, £30 at Goldsmiths, or £20 on train tickets. See true values in Top 10 Clubcard Partners.
- Starts Mon. Double vouchers' value in-store and online. Now incl toys, gifts & champagne. Earlier this year, the supermarket giant made its 'double-up' promo an ongoing deal, but with fewer departments. So a £5 voucher can be swapped online and in-store for £10 in its clothing, baby, cosmetics, fragrance & other depts.
From Monday, its Christmas Boost adds 5 categories: toys, gifts, electricals/phones and Finest champagne & wine. back to top ↑ |
| Forum Hottie. Sainsbury's ALL TOYS reduced, some by 50%. Starts Wed. Canny bargain hunters with kids wait for this one each year. In-store only (excludes Halloween/Xmas branded items). See Sainsbury's Toys. Urgent. Free & cheap wills. Two events are on right now. Free Wills Month: Get a totally free will during Oct in 29 cities (over-55s only, limited slots). Will Aid: Book NOW for Nov, far wider range. Get a will for a suggested donation of £90 to one of 9 charities (a decent price for a solictor-drafted will). It gets booked up fast. Full info: Free & Cheap Wills Totally free John Lewis £5 tea/coffee 'n' cake EVERY MONTH. Starts next week. You beau-tea 2x specs £23 OR 1x designer specs £19 (incl Guess). With us, you needn't look far for a bargain. Glasses Deals |
New record 29mths 0% debt shift
Slash your credit card debt costs with the new longest EVER 0% balance transfer deal. Plus 'will I get it?' tool If you've existing debts on credit cards, a balance transfer is where you get a new card that repays the debts on other cards for you - so you owe it the money at a lower rate - meaning you're debt-free quicker. And there's a price war on... - Longest EVER 0% deal. Accepted new Barclaycard* cardholders can get a huge 29mths 0%, for an OK one-off fee of 2.9% of the amount transferred. Yet if you're certain you can repay quicker, get a shorter lower-fee 0%.
| TOP PICKS - BALANCE TRANSFER CREDIT CARDS | | Card | Intro offer | Balance transfer fee | Rep APR after | | Barclaycard* - Longest EVER | 29mths 0% (1) | 2.9% | 18.9% | | Lloyds* - Long low fee | 24mths 0% (1) | 1.5% | 17.9% | | Halifax* - 15mths 0% on purchases too | 15mths 0% | 0.8% | 17.9% | | Fluid* - Lowest fee | 12mths 0% | 0.75% | 18.9% | | MBNA* - Low rate for life | 6.9% for life | None | 18.9% | | FULL INFO PER CARD: Best Balance Transfers (& APR Examples). (1) Representative - may get fewer 0% mths. | - Will you get it? Our Balance Transfer Eligibility Checker gives you the odds of acceptance for each card. Unlike applying to find out, it doesn't hit your credit score. For the first time, we now include Barclaycard too.
- The golden rules. a) Repay at least the set monthly min, or you may lose the 0% rate. b) Aim to clear the debt or shift again before the 0% ends, or rates rocket. c) Don't spend on these cards, it isn't usually at the cheap rate and when trying to clear debt, new borrowing doesn't help. d) Use our Which Card Is Cheapest? tool if unsure.
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| £9 Baileys (usually £20). From Thurs. 1-litre bottles in-store - starts Thurs. Baileys Deals (Please be Drinkaware) Codes... Jack Wills 15%, Body Shop 40%, Homebase 15% & more...
Jack Wills 15% off code/in-store with app | Homebase 15% off code & in-store | Dotty P 25% off code/in-store with app
Jones Bootmaker 25% off + free del code & vch | Bonmarch� 20% off code & in-store | Aldi £5 off £40 newspaper vch
Body Shop 40% off code & vch | Office 25% off ladies' styles vch in mag | Discount Vouchers 'Free' £3 personalised greetings card (60p p&p). 10,000 avail. Birthday, anniversary, etc. Funky Pigeon Deals Morrisons Wine Cellar 25% off £100 (incl SALE). Works on half-price offers. Deals incl 24 bottles of Kumala for £81 delivered (£3.36/bottle). See Wine Deals. Please be especially Drinkaware if you're bulk-buying booze. |
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Comp for cash - "I won £20k and was speechless"
Turn the art of entering contests into a cash-boosting hobby. We've 40 winning comping tips This week alone, MoneySavers in our forum have won an iPad, tickets to The X Factor final and £15,000 cash. It's all about 'comping', a potentially profitable hobby for the lucky. See our 40 Clever Comping Tips. To seduce you...  Another huge MSE comping win - £20,000 hard cash. There are no promises here - that's why you should see it as a hobby, not a job. But wins, and big 'uns, do happen. MoneySaver cassey1 says: "I won £20,000 and was speechless... not like me. I had a silly grin on my face all day, and still do even a week later."
- Gotta have a system. Comping isn't just about entering the odd interesting contest. It's a structured and systematic way of sourcing and entering 100s of the right contests. Our Comping Techniques guide shows how to use web gadgets to form-fill at speed, understand how to phrase tie-breakers and enter premium-rate TV comps online for FREE.
- Join the MSE comping team. Our Competitions Time forum board's a reciprocal community of devoted compers. You post contests (check if they're already there), enter other people's and cheer when fellow compers win - bringing the hobby to life.
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FitFlops EXTRA 10% off up to 50% sale code MSE Blagged. Gets you free del too on 'toning' footwear. FitFlop
'Free' 6-mth online guitar & keyboard tutorials (RRP £30). With £2 papers this weekend. Rocking Deal £20 Lastminute.com spa sale (RRP £34-£140). Starts Thu. 30+ venues offering days or treatments. Lastminute Hi-Tec snow boots 50%+ off code (eg, £125 boots for £40). Limited men's & women's styles. Hi-Tec |
Bank a b*****d? Hassle-free £100 for switching
A month ago the '7-day switch' was turned on, making ditching your bank less hassle. You're telling us it's worked Seven-day switching's designed to mean all your direct debits & standing orders'll be moved within 7 working days, and any payments made to your old account will auto-forward to your new one, meaning ditching & switching should be much less hassle.  £100 bribe to switch to top bank account. Some banks currently bribe you to join them. A few top deals below, full options in Bank Accounts. All do a credit check.
Free £100, top customer service & 6% linked savings. First Direct's* smashed every service poll we've done, 93% rate it 'great'. New switchers get £100, a £250 0% overdraft and a linked 6% regular saver account. Minimum pay-in £1,000/mth.
Cashback on bills and 3% savings. Santander 123* pays a huge 3% AER variable on £3,000 to £20,000 balances, plus up to 3% cashback on phone, energy, council tax and some mortgage direct debits, dwarfing its £2/mth fee.
0% overdraft for a YEAR: Nationwide* FlexDirect gives 0% for 12mths. See that as respite to sort your finances and clear it, or there's a 50p/day overdraft fee after. No minimum pay-in for overdraft.
- Is the 7-day switch really no hassle? For most people, it's done what it says on the tin. MSE team members Helen, Archna and Andy found their switches pretty smooth, and their accounts are up & running without hassle, but Andy's still waiting for his £100 Halifax switch bonus. We've lots of user feedback too, eg, @NickMixmag: "Switched from Halifax to Santander. 7 days, all DDs and SOs sorted. Easy peasy," and Carolin: "I did it and it was excellent. No problems at all."
Of course, we've heard of some glitches - mostly those switching from a single to a joint account (or vice versa), or inconsistent name, address or date of birth problems. Full help to beat these in our new 7-Day Switching Q&A. back to top ↑ |
| Forum Hottie. Kids' DVDs 2 for £5. Incl ParaNorman, The Lorax, Ice Age 3 and more - usually £5 each. Tesco Deals Half-term days out... Kids 'free' at the Shard, 180+ free museums, Monkey World, etc
The Shard kids go 'free' | Flamingo Land 2for1 entry | Monkey World free in fancy dress | Ripley's £40 family pass & more
Dartmoor Zoo 'free' return visit | Free museums 180+ to visit | Drayton Manor £20 (£15 kids) | Full list: Days Out Liz Arden gift set £24.50 (RRP £50). 5 items, incl Eight Hour cream & hand cream. Good for Xmas. Boots Deals
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 CAMPAIGN OF THE WEEK
Take simple steps to stay safe online
This week is Get Safe Online Week. Find out quick and easy ways to protect yourself, your computers and your mobiles in its Online Code Of Conduct. Plus, take the How Much Do You Know? quiz or Online Safety Test to see if you need to be more careful. Let us know how you get on in the MSE forum: How's your online safety? Send your campaign of the week suggestion. MONEY MORAL DILEMMA
Should friend return years of free dinners now he's earning?
This week's MoneySaver who wants advice asks... Whenever my friends and I have gone out, we've always let one of our group pay less or nothing as he was jobless. Now he's landed a very well-paid job, we thought he might treat us as a thank-you. But when we met up recently, he didn't even suggest paying any extra, let alone for the rest of us. Should we say something? Enter the Money Moral Maze: Should friend return years of free dinners now he's earning? | Suggest an MMD | View past MMDs THE GREAT HUNT
Extreme water MoneySaving
We've heard of some extreme tactics when it comes to water bill savings (see Should I be on a meter?), from strip-washing to using the dog's drinking water to flush the loo. So what are your top extreme tips to cut bills? Share yours/read others': Water MoneySaving Past topics: View all CHEAP FLIGHT SALES ALERT
Airline: Thomson Offer: £30 off Ends: Tue 31 Dec
This week's pick is Thomson's £30 off returns. It's valid on all flights until Tue 31 Dec and includes some taxes and charges. The discount's automatically applied, and we found Birmingham-Menorca flights for £48.98. To find flights quickly, use the FlightChecker on a max £60 return 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
How to have a spookily good free Halloween
As some MoneySavers rightly point out, Halloween is a good excuse for shops to make money. But there were some great suggestions for cutting costs. Creative forumite meeshpeesh freezes water-filled gloves to resemble creepy severed hands, while Lizard_Lady made spooky cupcakes. Trick or treat treasure hunts are also a fun, free way to enjoy Halloween. back to top ↑ |
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Martin's blogs | Martin's appearances 24 October
Daybreak, ITV, 7.35am-7.45am.
Deals of the Week. | 24 October
Shelagh Fogarty, Radio 5 Live, 12pm-1pm.
Consumer Panel.
Listen to past shows.
| 25 October
This Morning, ITV, 10.30am-12.30pm.
Money Talks with Martin Lewis.
A celebrity faces Martin in the vault. | 26 October
The Sarah Millican Television Programme, BBC2, 9.30pm-10pm. | | 28 October
This Morning, ITV, 11am-12pm.
Credit scoring. | | | |
MSE team corner - Team appearances:
- 26 October
MSE Wendy: Mollie Green, BBC WM, 7.40am-8am. Subject tbc.
| Discussion of the week Would you name your child the same as your pet? What you'll call your precious bundle of joy is one of the most important decisions of your life - and theirs, of course. Would you consider the same name for your child as your pet? Have your say on our discussion. | Cheap travel money |
This week's poll: Do your kids nag you to get a payday loan? Payday loan adverts are, sadly, now even shown on children's TV as well as other channels. Have they filtered into your child's awareness?
Please ticks AS MANY AS APPLY as a result of watching payday loan TV ads. | Poll resultsCan you haggle on the high street?
It's easier to barter over homewares and electricals than clothes - something to inspire the huge numbers who have never haggled.
- 73% have haggled a discount at Homebase.
- 71% have done it at Currys/PC World.
- 16% got money off at at Zara.
- 57% of voters have never haggled.
4,274 voted. See the full results. |
| Q: I've already paid a small amount into my old ISA in the current tax year, even though I haven't reached the limit. If I transfer now, will I be able to pay anything else into this new ISA before next April? Robyn, via email. MSE Andy's A: Yes, as long as you transfer it whole (you can't part-transfer a current-year ISA anyway), you can continue to make contributions under the ISA rules, up to the maximum £5,760. Your new provider may have rules that block new contributions - but that's rare. Remember, though, when transferring - never, ever, ever, EVER withdraw money from a cash ISA instead. Then it's no longer in an ISA, so you've lost the tax benefits. Instead, ask your new provider to transfer it for you. See Top ISA Transfers for a full guide and best buys. Please suggest a question of the week (we can't reply to individual emails). |
 Archna's free game of the week: Happy Demic |
Can you tell the difference between Ikea furniture and death metal? Not as easy as you think. So before we go this week, try this strange but slightly compelling Ikea or death? 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, edfenergy.com, first-utility.com, barclaycard.co.uk, fluid.co.uk, mbna.co.uk, lloydsbank.com, santander-products.co.uk, nationwide.co.uk, firstdirect.com, confused.com, comparethemarket.com, productsandservices.bt.com, halifax.co.uk, gocompare.com, admiral.com, aviva.co.uk, cbonline.co.uk, sainsburysbank.co.uk, energyhelpline.com, moneysupermarket.com, uswitch.com, postoffice.co.uk.
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