| | MARTIN'S QUICK BRIEFING: For more tips, alerts & awful puns, follow Martin on Twitter How to borrow completely INTEREST-FREE
The 10 need-to-knows that'll slash your borrowing costs to the bone Debt is like fire. It can be a useful tool, but get it wrong and you get burnt. Last week we showed you 10 ways to slash existing debt costs - this week, for those who need new borrowing, it's all you need to know to keep costs down.
| 1. | Do you need to borrow? Debt isn't bad, bad debt is bad. So think carefully whether you really need it. Could you save up instead? Use existing savings?
Never borrow just to fill ongoing gaps in your income. If that's you, STOP. Use the Free Budget Planner, restrict spending & if needed, get Debt Help.
Yet if you're making a planned purchase (eg, you need a car to get to a new job), minimise the loan and the interest, plan and budget for the repayments, then it can be a legitimate choice.
And remember.... loan costs aren't just about the interest rate, if you borrow longer, the interest is added year, after year, after year, so repay ASAP. | | | | | 2. | Get 18mths' INTEREST-FREE borrowing (5mths for poor credit). If you've a big purchase that can be paid by credit card, and can repay within 18 mths, you can borrow totally interest-free. Just ensure you plan repayments to clear it before the 0% deal ends. Full info: Top 0% Cards (APR Examples).
| TOP 0% SPENDING NEW CARDHOLDER CREDIT CARDS | | Card | Intro offer | Rep APR after | | Tesco* Longest + Tesco Clubcard points | 18mths 0% | 18.9% | | Santander* Joint longest | 18mths 0% | 18.9% | | M&S* Shorter but gives M&S points | 15mths 0% | 16.9% | | Barclaycard Initial* Poor credit scorers | 5mths 0% | 34.9% | | MBNA* Long-term low rate | 6.9% until repaid (1) | 16.9% | | (1) Only purchases in the first 90 days get this rate. |
Which cards will accept you? FREE tool. All cards credit score. Usually, the only way to know if you'll get one is to apply, which marks your file. Instead, use our 0% Spending Eligibility Checker, it shows acceptance chances.
The Golden Rules: 1) Budget to repay (or balance transfer) before the 0% ends or rate jumps. 2) Pay at least the monthly min, or you can lose the 0%. | | | | | 3. | Cheapest EVER loans 4.5% APR. If you can't pay on a credit card, need longer, need more or prefer the disciplined structure of fixed repayments, then the straightforward option is a personal loan.
- Loans £7.5k-£15k: Until Fri Sainsbury's* 4.5% rep APR for 1-3yr loans (needs a Nectar card, but they're free). Next is Clydesdale* 4.6% rep APR.
- Loans £5k-£7.5k Clydesdale* is 5.8% representative APR.
- Loans £3k-£5k: Santander's* 6% rep APR (huge best buy at this amount).
- Under £3k: There are no cheap loans, so see points 4 and 5 below.
Remember, though, these 'rep APR' loans mean only 51% of accepted applicants must get the advertised rate, others with poorer credit scores can pay more. For full help and best buys, see Cheap Loans. | | | | | 4. |  Get a 29mth 0% 'loan' for a 4% fee. If you're buying something that can't be paid for on a card, or want a cheaper loan for smaller amounts, there is another way.
A few specialist credit cards allow accepted new customers cheap 'money transfers'. This means the card pays money directly to your bank account (that you can then spend), so you owe it instead. MBNA* is 29mths 0% for a 4% fee and Fluid* is 28mths, 4% fee.
Do ensure you schedule your repayments to clear the card by the time the 0% ends, or they're both 22.9% rep APR after. And never miss the min monthly repayments, or you can lose the 0%. Full help in Plastic Loans.
Will you get one? Use our free Money Transfer Eligibility Checker to check. | | | | | 5. | Peer-to-peer loans: Flexible & cheap, especially for smaller amounts. Try to repay most loans early and you'll be charged penalties, but there is a penalty-free alternative. Peer-to-peer lending sites act as money Cupids, matching people who want to borrow with those who have cash to lend.
The rate you get depends on your credit score, but unlike normal loans, you can check without it marking your file. The two biggies are Zopa* and Ratesetter*, which can be around 9% APR for some good credit scorers compared to a cheapest standard loan at 14.9% rep APR. Full info: Peer-To-Peer Loans (Related: 6% Peer-to-Peer Savings) | | | | | 6. | Consolidation loans are far costlier than (30mths 0%) balance transfers. Many who've lots of debts look to consolidate. Yet all it means is they're all in one place. Focus on cutting the interest rate. Some do it to reduce repayments, but then it takes longer to clear and costs more.
If you've credit card debt, do a balance transfer, where you get a new card that repays debts on old card(s) for you. Ensure you repay or shift again before the 0% ends. Choose the lowest fee provided you can repay in time... - Barclaycard* is 30mths 0% for a one-off 2.89% fee (18.9% rep APR after).
- MBNA* is 29mths 0% for a 2.89% fee (20.9% rep APR after).
- Barclaycard* is 25mths 0% for a 1.5% fee (18.9% rep APR after).
- Lloyds* is 24mths 0% for a 1.5% fee (17.9% rep APR after).
To check which cards'll likely accept you, use the Balance Transfer Eligibility Checker. Plus read the Credit Card Shuffle to see if your existing cards will give you better deals too. Full help: Best Balance Transfers (APR Examples) | | | | | 7. | In hardship? Are you eligible for a Government 0% loan? If you're desperate, these are far better than payday loans, as they're interest-free. There's no credit check, but they will check you can repay. Full info on these loans in our Debt Help guide. In a nutshell...
- Local council support schemes: These used to be called 'crisis loans', but are now administered locally, so sadly it's a postcode lottery as to whether you can get one. They're usually for those with no savings in emergencies.
- Budgeting loans: If you're on some income-based benefits, you could be eligible for a loan of up to £1,500 to help you meet essential living costs. You can apply online or through local Jobcentres. | | | | | 8. | Try your local credit union, especially if you've a poor credit history. If you're looking for smaller loans, why not see if there's a credit union near you? These are small savings and loan mutuals, helping local communities. They usually lend from £50 to £3,000, with APRs usually around 13%, but can be higher. To find yours, see our Credit Unions guide. | | | | | 9. | Set up a direct debit to protect your credit score. Forget or make late repayments and you risk a fine, losing your 0% deal, and a black mark on your credit file. An easy tip is to set up a direct debit to cover at least the monthly minimum, so this never happens, then pay more on top manually. | | | | | 10. | Borrowing to avoid. While we're never gung-ho about borrowing, some debt is better than others. Particularly dangerous types include:
High cost credit (incl payday loans): With APRs of up to 6,000%, these are the Mac Daddy of loans to avoid. Use our Best Buy Payday Loans? guide to see alternatives. There are now some longer-term 100%+ loans too (ouch).
Store cards: The devil's debt. These are just credit cards locked to one store, but with usually much higher 25%+ APRs. If there's a decent discount, use it, but always, always pay off IN FULL. See Store Cards for help. | | | | | | |
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| Wed 29 Jan 2014 |
Car insurance costs down 14%, but predicted to rise again
SORT NOW. Even if you're not at renewal, use these hot tips (incl £60 M&S e-gift card) to drive costs down £100s A record fall in car insurance costs, due to a crackdown on whiplash claims, has left the average at £533, according to the AA index. Yet the index's director told the Telegraph: "My fear is the falls are too great, premiums will bounce sharply up again later in the year." As a precaution, check now to secure the cheapest deal, full help in Cheap Car Insurance. A taster...  Check, even if not at renewal. Provided you haven't claimed, you can usually cancel existing policies and get a refund for the rest of the year. Yet balance savings against a c.£50 cancellation fee, and that you won't earn this year's no-claims. Forumite Tenuissent says: "I cancelled my £685 Saga cover & got similar £327 AA cover." - STEP 1: Combine comparisons. The sites search different insurers. Combine them to max your spread. Our current order: a) Gocompare*, b) Google*, c) MoneySup*.
- STEP 2: Check the big deals they miss. Some competitive deals aren't on comparison sites, so check them too...
- Direct Line £60 M&S e-gift card: Two big insurers are missed by all sites. 1) Direct Line, plus we've blagged this special Direct Line* link which gets you a £60 M&S e-gift card when you get a policy. 2) Also check Aviva*.
- Swinton £40 code: Use code PMWTDR663 when you buy from Swinton* to grab £40 cashback.
- Got 2+ cars in the home? Comparison sites can't do multi-car. Check Admiral MultiCar* & Aviva*.
- Counter-logical tips that work. Not every car insurance saving makes sense at first glance. a) Try adding a responsible 2nd driver, eg, Mum or Dad. It doesn't always work, so use trial and error. Of course, it needs to be someone who may actually drive the car. b) Don't assume 3rd party's cheapest. Bizarrely, select comprehensive and some insurers see you as lower risk. Check both. c) Check your job description. Small, legit changes can mean big savings. Full help on this & getting cashback in Cheap Car Insurance & Cheap Under-25s' Car Insurance.
- Watch Martin put this into practice. Prefer to watch than read? See The Martin Lewis Money Show, Fri, ITV, 8pm.
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| 10,000+ FREE pairs of Ideal Home show tix (worth up to £28). MSE Blagged. Code gets free day tix at the 14-30 Mar London Earl's Court show. How to get them: Free Ideal Home Show Tickets Family Railcard £10 off code (usually £30). Great if you've kids. You and up to 3 others with you get 1/3 off rail tickets, provided you're travelling with between 1 to 4 children who get 60% off. Family & Friends Railcard Discount Kurt Geiger outlet sale: all men's & women's shoes £29 or less. Ends Sun. £5 p&p, limited stock. Shoeaholics Brantano 30% off shoes code, incl Clarks, Nike & more. MSE Blagged. Plus free p&p. Incl sale items. Brantano |
Have you got a plan B?
Prevent bank IT fail hell: 'I filled my car up, but my card failed. So embarrassing, I didn't know what to do.' After huge previous IT meltdowns at RBS/NatWest, this weekend it hit Lloyds Group (incl TSB, BofS, Halifax) - (see Lloyds fail rights) leaving many stuck trying to pay or get cash. Keeping an emergency £20 hidden in your wallet helps, but it won't solve hotel check-out or petrol paying problems. As glitches seem to be more common, we all need a plan B...  Option 1: Use a 5% cashback card, as they're NOT from bank acc providers. Your bank's credit card isn't a safety net, as it'll go down too if systems go kaput. Grab a Cashback Card - these pay you to spend on them. REPAY IN FULL each month (and don't withdraw cash) and there's no interest. You could then use it as your prime card.
Top pick: Amex Everyday* gives 5% cashback (max £100) for 3mths and up to 1.25% after, though some stores/restaurants don't accept Amex. Poor credit score: Cap One Classic Extra* pays 0.5% cashback. Fail to fully repay and these are 19.9% rep APR and a big 34.9% rep APR. Can you get one? Use our Cashback Card Eligibility Checker to find your odds. Also see APR Examples.- Option 2: Get cheap spending overseas, and use for UK emergencies. Normally, we suggest these specialist credit cards that give perfect exchange rates in every country are only for use when abroad. Yet, again, provided you REPAY IN FULL each month so there's no interest, holding one in your UK wallet is helpful.
Top pick: Halifax Clarity* is load-free in every country & has low ATM charges. But if you bank with Lloyds Group, go for the next top, Post Office*. Poor credit score: Capital One Classic Extra* is also load-free abroad, though has high ATM fees. Fail to fully repay and these are 12.9%, 17.8% and a big 34.9% rep APR, respectively. Can you get one? Use our Overseas Card Eligibility Checker. Full info & best buys in Travel Money Cards (APR Examples).
- Struggling to get these or don't want a credit card? See our Credit Cards for Bad Credit and Boost Your Credit Score guides for help. If you don't want a credit card, you can pre-load a cheap prepaid card for emergencies, but be aware cash often 'expires' if left untouched, which may be expensive.
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Don't whinge about your bank, DITCH IT & get £100. While no bank can ensure 100% no-fails, some at least fight for your custom. Top service & free £100: First Direct's* won every cust service poll we've done, gives new switchers £100, a £250 0% overdraft and linked 6% regular savings. 3% savings & cashback: Santander 123* has a £2/mth fee, but gives 3% savings interest on £3k-£20k & up to 3% cashback on bills. Full eligibility info & best buys in Best Bank Accounts. FREE £8 L'Occitane hand cream set. 3 minis in a gift pack. Print email, take to store. Limited stock. L'Occitane Deals Knickers coming down...
Ann Summers 20% off + 10% off on sale items codes | Figleaves 15% off code | La Senza 20% off code/vch Superdrug 10p mascara, bronzer & more clearance. In-store, incl Maybelline mascara (was £7), Rimmel bronzer (£7) and Maybelline eyeshadow (£7). It's a bit of a treasure hunt. Full info: Can you find them? |
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| FLASH 48hr De Vere £20 UK hotel sale. 7,000 rooms across 23 De Vere Venues (starts Thu). Hotel Sales £23 for Hauck Sport buggy with good reviews. Suitable from newborn - a pram-azing price. Aldi Deals |
"I called Sky, said I'm leaving, it cut my bills by £180/yr"
Whether Sky, Virgin, BT, TalkTalk or others, customers who want to stay should HAGGLE, HAGGLE, HAGGLE If you're nearing contract renewal, don't just accept digital TV or broadband price hikes. If you want to stay, get on the phone & make them work to keep you. Full tips in Haggle with Sky, Virgin, TalkTalk, but we'll throw these in for free... | How many who tried to haggle succeeded? | | Company (responses) | Success rate (1) | | Sky (915) | 82% | | TalkTalk (198) | 82% | | Virgin Media (395) | 73% | | BT (451) | 62% | | Polled in Nov 2013 (see full results). | back to top ↑ |
Show Best Buys
2 x specs £23 | £40 contact lenses vch £19. Here's a site for sore eyes. See specs appeal & LensChecker. 60% off photo canvases code. MSE Blagged. Includes A3-ish for £25.50 delivered (was £52.50). Photo Deals CODES... BHS 25%, Topman 10%, Deb'hams 20%, Urban Outfitters 20% & more...
BHS 25% off code & vch | Urban Outfitters 20% off code | Topman 10% incl sale items code | The Works 30% off code
Deb'hams 20% off in-store, 15% online code & vch | Dorothy Perkins 20% off code (Wed only) | Full list: Discount Vouchers The Fragrance Shop 20% off EVERYTHING. 12-2pm daily. Useful for Valentine's smellies. Full info: Fragrance Shop
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30 FREE house price valuation tools
Get a free bespoke valuation, track price cuts, crime hotspots, flood risks, free mortgage guide and more The web's a goldmine of info to interrogate any property for free, whether you're a buyer, seller or just buy-curious. Our updated Free House Price Valuations guide lists over 30 secret web weapons... all on the house. Here's a taster:  Free home valuations. These tools snoop on what neighbours paid and match up sold prices with detailed old property ads. You can even get a bespoke estimate for your gaff (fun, but they can be wildly out). See Free Valuations.- Find properties where the seller drops the price. An ingenious web browser add-on shows sellers who've altered listings, incl price cuts. See Property Bee.
- Boost your chances of getting a mortgage & slash rates. Whether you're a first-time buyer, or have a mortgage and are worried about the increased likelihood of interest rate rises: 1) Get Martin's free 50-page printed First-Time Buyers' Mortgage Booklet or Remortgage Booklet. 2) Watch last Fri's ITV Martin Lewis Money Show mortgage special.
- Check for floods, noise, crime, schools & more. Police crime-mapping websites show recorded street crime levels, plus a 10-second search could save years of hassle by analysing flooding and subsidence risks. Elsewhere, there's free info on school league tables & even a road traffic noise check. Full 30 House Valuation Tools.
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| Forum Hottie. Free 50p donation to Prostate Cancer UK. Just answer 5 questions & enter details. Hot Bargains O2 gets its price hike in before the deadline. It's upping costs by 2.7% from March. See O2 Price Rise Help. Buy £70 Nespresso, get £40 gift card for capsules. Ends Friday (£70 card for more expensive ones). Nespresso Forum Hottie. Cancer Research up to 75% off sale. Incl £4 kids' clock, 79p harmonica. Forumites love it. Sales
Show Best Buys |
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 Last chance: Apply for community grants from the MSE Charity. Friday's the deadline for this round of funding for charities and groups for financial & consumer education projects. Full info at The MSE Charity. Related: MSE's Charity Fund, How This Site's Financed MONEY MORAL DILEMMA
My neighbour's chopped my tree - and has now billed me
This week's MoneySaver who wants advice asks... During the recent storm, one of our trees fell into our neighbour's garden. The first we knew about it was the sound of chainsaws at 9am the next day - he'd already got a tree company (a friend of his, apparently) in to remove it. Three weeks later, he gave us a bill for £700. While I accept it's our responsibility to pay, this seems very expensive and he gave us no option to sort it out ourselves. Should I dispute the amount? Enter the Money Moral Maze: Should I dispute tree bill? | Suggest an MMD | View Past MMDs CAMPAIGN OF THE WEEK
Big Energy Saving week. Need help? Struggling? Find events
It's Citizens Advice & others' Big Energy Saving Week, so if you're struggling with bills or saving energy around the home, find out what's happening near you. Of course, you can also join our free Cheap Energy Club and let us know your energy-saving stories in the MSE Forum. THE GREAT HUNT
Je t'aime... how to have a romantic Valentine's on a budget
Let's not over-commercialise Valentine's Day. Roses, chocolates and candlelit dinners might earn brownie points, but they can come with an unromantic price tag. How do you treat your loved one without breaking the bank? Share yours/read others': Valentine's Day on a budget Past topics: View all CHEAP FLIGHT SALES ALERT
Airline: Thomson Price: £30 off return flights Ends: Ongoing
Our pick this week is Thomson's ongoing sale, which includes taxes & charges. It's for flights between May and October to 66 international destinations from 20 UK airports. To find flights quickly, use FlightChecker on a return search. There's no code to enter, the discount appears automatically. 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
Your tips for MoneySaving summer getaways
The Algarve, Greece and Cyprus are popular choices for bargain holidays abroad, while The Caravan Club is recommended for cheap UK getaways. Forumite DomRavioli reckons you should always go abroad when you can (to avoid the rain) but suggests cross-checking package holiday deals with TripAdvisor before you book. back to top ↑ |
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Martin's blogs | Martin's appearances 30 January
Daybreak, ITV, 7.35am-7.45am.
Deals of the Week.
Watch last week's show | 30 January
Shelagh Fogarty, Radio 5 Live, 12pm-1pm.
Consumer Panel.
Listen to past shows | 31 January
This Morning, ITV, 10.30am-12.30pm.
The Money Vault with John McCririck.
Watch last week's show with Eddie "The Eagle" Edwards | 31 January
The Martin Lewis Money Show, ITV, 8pm-8.30pm.
Insurance.
Watch last week's mortgage special | 3 February
This Morning, ITV, 11am-12pm.
Subject tbc.
Watch this week's show on cutting holiday costs | |
MSE team corner - Team blogs:
- No team blogs this week.
- Team appearances:
- No team appearances this week.
| Discussion of the week What products do you miss? Several forumites say Kunzle cake, others remember Pacers and there are happy memories of Superwhip. Join the forum to join in. | Cheap travel money |
This week's poll: Would you support a 50% tax rate if it didn't raise extra cash? The Labour Party says if it returns to power, it'll reintroduce the 50% income tax rate for higher earners (over £150,000) 'they should bear a bigger burden'.
Yet it's not clear whether this will bring in extra revenue, as it could be a disincentive while some will take wealth overseas. So...
Assume increasing tax rate won't up the amount the Govt receives in tax. (We're not saying it won't, we're just testing the hypothetical question.)
Which of these is closest to your view? | Poll resultsShould parents be allowed to take kids out of school for a holiday?
MoneySavers think kids should be allowed a holiday during term time - with most preferring limits on how long the break is for, and others backing age limits.
- 87% of voters who have a school-aged child said yes.
- 74% of voters who don't have a school-aged child said yes.
26,784 voted. See the full results. |
| With flight delay compensation, if the Civil Aviation Authority (CAA) only helps with flights leaving from UK airports, what can you do if it's your return flight to the UK that's delayed? Jenny, by email. MSE Helen K's A: Firstly, you can only claim compensation of £210-£500 per person if your return flight to the UK (or to any other EU airport for that matter) was with an EU airline. You can also claim compensation where the flight departed from an EU airport, regardless of the airline. Secondly, you can only claim if your flight has been delayed by three or more hours. Compensation also depends on the distance flown and the cause of the delay. To make a claim, first complain to the airline. If you don't get a satisfactory response, or you don't hear back at all, you can take your complaint to the CAA, the European Consumer Centre, or the regulator in the country you flew from.
- If your flight left the UK, or it was a UK airline arriving in the UK from a non-EU country, you can complain to the CAA.
- With all other flights, you need to complain to the relevant aviation regulator (find a regulator). For full flight delay info, including free template letters, see our Flight Delay Compensation guide. Please suggest a question of the week (we can't reply to individual emails). |
 Debs' free game of the week: Dino Run |
The Doppleganger effect... That's it for this week, but before we go, some people have strange hobbies. One photographer spent 12 years scouring the world for strangers who look identical, then took photos. Check out these strangers who look like twins. 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, and still writes this email each week (unless it says so). He's an ultra-focused money-saving journalist and consumer campaigner with his own ITV prime-time The Martin Lewis Money Show, weekly slots on Radio 5 Live, This Morning and Daybreak, amongst others. He’s a columnist for publications including the Telegraph and Woman magazine. More info: See Martin Lewis' biography 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 tescobank.com, santander-products.co.uk, barclaycard.co.uk, mbna.co.uk, sainsburysbank.co.uk, cbonline.co.uk, fluid.co.uk, bank.marksandspencer.com, zopa.com, ratesetter.com, lloydsbank.com, gocompare.com, google.co.uk, moneysupermarket.com, aviva.co.uk, swinton.co.uk, admiral.com, americanexpress.com, capitalone.co.uk, halifax.co.uk, firstdirect.com, postoffice.co.uk, gocompare.com, confused.com, comparethemarket.com, productsandservices.bt.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 |
