| | MARTIN'S QUICK BRIEFING: For more tips, alerts & awful puns, follow Martin on Twitter The top 10 ways to reclaim £1,000s
Check if you've had cash ripped from pockets - boost your 2014 coffers January's never the easiest money month. So let's try to kickstart the new year by seeing if you're owed big money due to mis-selling, poor service or owt else. And no need to lose 30% of your cash to a 'no win, no fee' firm. Our guides have full, free, step-by-step help. And I've put proof they work below... | 1. | Check for hidden insurance added to loans, cards, mortgages & more: You've almost certainly heard of PPI reclaiming, but it's important to understand you may have it without knowing - even if you rejected it.
This insurance to cover debt repayments was systemically mis-sold by banks. Over £12 BILLION's been paid back, and much more's still due.
| | THE PROOF: We've had 5m templates downloaded so far. Here's Ingrid, via email: "Thanks so much for giving me the courage to reclaim my PPI - I've received £35,000. It's been life-changing." Step-by-step help & FREE template letters: Reclaim PPI for FREE | | | | 2. |  Wear uniform to work? If you wear a branded T-shirt, overalls or a nurses' uniform for work (not fun), wash it yourself and don't wear it elsewhere, you're entitled to a tax rebate each year. Many haven't claimed it, so can get a backdated payout going back up to four years.
| | THE PROOF: Forumite Jinx80 says: "I rang the tax office and I'm getting a rebate of £60/year for the last four years. Thanks MoneySavingExpert! Really chuffed I didn't use a middleman." Step-by-step help: Uniform Tax Rebates | | | | 3. | Been delayed on a flight since 2007? For most flights to or from the EU, if you were delayed over 3 hours and it was the airline's fault, you're entitled to £200 - £500 per person.
| | THE PROOF: Amanda, via email, says: "I used the template to complain to Thomas Cook about a delayed flight to Egypt in 2010. It's compensating us £1,040. It's made my day." Step-by-step guide & free template letters: Flight Delay Compensation | | | | 4. | Shop at Tesco? If you use a Clubcard, you'll have earned vouchers. Many have lost, or not used old ones, but you can reclaim them quickly online.
| | THE PROOF: Forumite AnnaV: "WOW - I've got £413 of unspent vouchers. Ridiculously excited." Plus could be worth over £1,200 when converted into Clubcard Boost Partners tokens. Easy how-to-do help in Reclaim Lost Tesco Points. | | | | 5. | Are you in the wrong council tax band? Up to 400,000 homes may be in the wrong council tax band because the original English and Scottish valuations were slapdash. If yours is too high, you can get it lowered and a backdated payout from when you moved in.
| | THE PROOF: Kay, via email, told us she was in Band F, while others of a similar size were Band E. She says: "I phoned the Valuation Office on 4 October 2013. They said it would take 8 weeks to look into. On 6 December, I received a call to say my tax band had been reduced to a Band E. I was reimbursed £3,300. Thank you for such useful information." My full check 'n' challenge system: Council Tax Rebanding | | | | 6. | Mis-sold CPP card protection? Over 7 million were mis-sold credit card and identity theft cover. Now £1.3bn has been allocated to compensate those targeted. A decision will be made in the next couple of weeks for a central redress scheme. If it's a yes, anyone mis-sold will automatically be able to claim. Though we've already seen big payback successes.
| | THE PROOF: Martin emailed his story: "I received a cheque for £461 which included an amount for interest. Keep up the good work." Full how-to: CPP Reclaiming. | | | | 7. | Are (were) you an employee or receiving a pension? Your tax code tells your employer how much tax to take, but the over-complicated system regularly throws up errors, which means we overpay. You can get it back.
| | THE PROOF: Forumite Golddustmedia says: "I had my payslip handy and I was surprised to see my code was BR. Digging out older slips, I saw I'd been on basic rate tax since I started, which seemed odd. Quick call to HMRC confirmed I'm an 810L - it's refunded just under £1,500 for last year and is updating my employer, so I'll be £130 better off each month going forward!". Full help with our free Tax Code Checker. | |
PS. The taxman never emails about tax rebates. If you get one, it's a scam - don't reply. See Scam Tax Emails. | | | | 8. | Racked up big fees for going beyond your overdraft? Rumours of the death of bank charge reclaiming are greatly exaggerated (especially by the banks, funnily enough). The door's nowhere near as wide open as it used to be, but if the charges have put you in hardship, reclaiming is possible.
| | THE PROOF: Carol (via email) explains: "Although I was a bit sceptical, I downloaded your template, customised it and sent it to my bank. It contacted me to say it would refund my charges + interest - over £2,000." Full step-by-step help & free templates in our Reclaim Bank Charges For Free guide. | | | | 9. | Do you pay (have you paid) a fee each month for your bank account? Fee-charging packaged bank accounts are great for some - but useless, or even worse, mis-sold for many. If you signed up by a sales call or 'upgrade', rather than actively choosing it yourself, mis-selling's far more likely.
Typically, you'd be upgraded to an account with travel insurance, but not told you're excluded for your age, or pre-existing conditions.
| | THE PROOF: Linda emailed her story: "Thank you for alerting me. I was told I had to have the account in order to get an overdraft and assumed there was no alternative. I used your template letter and I received over £1,500 compensation within about three weeks." Full help & templates in Reclaim Packaged Bank Account Fees. | | | | 10. | Are your energy direct debits set too high? Paying energy bills by direct debit saves money. But the amount taken is usually based on estimates, meaning you might be paying too much. However, you've rights to fair payment amounts.
| | THE PROOF: Forumite Nicp60 says: "Finally called Scottish Power. Not only did it refund the £500 we're in credit by, it also slashed our DD by £70 a month - should have been more organised and done this months ago! Thanks Martin!" See Energy Direct Debits. | |
PS. Wishing you all a happy, healthy, wealthy, frugal and fantastic 2014 from me and all at MSE Towers.
PPS. The Martin Lewis Money Show series 3 starts on ITV at 8pm, Fri 3 Jan. In the first episode I'll revisit the most harrowing money makeover I ever did after nine years, plus info on lost bank accounts, phone bills, budgeting and more. |
Blagged for MoneySavers |
Did you miss? |
 Get permanently cheap energy Our 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 |
 | Proud to be a MoneySaver? Pass this on |  | | If this email's ever helped you, please forward it to friends and suggest they get it via moneysavingexpert.com/tips | |
 |  |  |
| Fri 3 Jan 2014 |
Shift credit card debts to 30mths 0% NOW
Don't wait until the bill hits. If you've costly credit cards, the longest EVER 0% debt shifting deal's just returned Everyone with credit card debt should check now if you're unnecessarily paying interest. The key tool is a balance transfer, where you get a new card that pays off the debts on the old card for you, so you owe it the money but at a lower rate. - New. Longest EVER 0% deal. We're in the midst of a price war, with deals getting longer and one-off fees getting cheaper. Remember, these are NEW CARDHOLDER deals, so don't pick a card you already have. Go for the lowest fee card within the time period you're certain you can fully clear the debt.
| TOP PICK BALANCE TRANSFER CREDIT CARDS | | Card | Intro offer | Balance transfer fee | Rep APR after | | Barclaycard* - Longest EVER | 30mths 0% (1) | 2.89% | 18.9% | | MBNA* - Lets you shift overdrafts too | 29mths 0% | 2.89% (2) | 18.9% | | Lloyds* - Long low fee | 24mths 0% (1) | 1.5% | 17.9% | | Halifax* - low fee & 0% spending too | 15mths 0% | 0.8% | 17.9% | | Fluid* - Lowest fee | 12mths 0% | 0.75% | 18.9% | | MBNA*- Very long-term low rate | 6.9% for life of balance | None | 18.9% | | FULL INFO: Best Balance Transfers (& APR Examples). (1) Representative - you may get fewer 0% months. (2) Money transfers (shifting overdrafts) is a 4% fee. See Money Transfers for full info. | - Find out which is the BEST CARD YOU CAN GET. The best deals tend to go to those with the best credit scores. The problem is the only way to find out is by applying, and that leaves a mark on your credit file. To minimise that, our Balance Transfer Eligibility Checker tool shows your bespoke odds of acceptance for each card. Unlike applying, it has no impact on your credit score. Please only use it if you're serious, as we pay for each search.
- 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 if you're trying to clear debt, new borrowing doesn't help. d) Use Which Card Is Cheapest? tool if unsure.
back to top ↑ |
| Loophole: Free Sim gets access to O2 Priority Moments blockbuster FREEBIES. Deals incl free £8 book at WHSmith, £25 Currys voucher, £35 Evernote app & free 7-day gym pass. Find how: O2 Priority Moments Loophole Now FREE £125 with the undisputed no.1 bank account. First Direct's* won every customer service poll we've done, 93% rate it great. It's just boosted its switching bonus to £125 (normally £100), on top of a £250 long-term 0% overdraft and a linked 6% regular savings account. You need to pay in £1,000/mth (ie, pay a salary of £13,600/yr+ in) and pass its credit score. Full info & alternatives in Best Bank Accounts. 2,014 FREE year's RRP £70 Gourmet Society dining discount cards. Ends 10 Jan. Discounts on big eats, incl 2for1 Prezzo, 25% off La Tasca. Everyone gets two months, 2,014 at random get a full year. Gourmet Society Eurostar £59 rtn - sale starts TODAY (Fri). Paris, Brussels, etc. Infrequently discounted. Jan-Apr trips. Eurostar |
Switch your gran!
Well, her energy firm anyway. Fight the national disgrace that the elderly pay £100s MORE for fuel than they need As Martin often rants, "It's a national shame struggling 80-year-old grans pay more to boil a kettle than I do." While many silver surfers look after themselves, if you've a gran, gramps, uncle, aunt, or old chap over the road, who isn't so web-savvy, why not give them a hand with our Switch Your Gran info. Not checked your own bill? Do that too!  Switching is no big deal. Fear of change is often a big inhibitor. Yet even those reticent to switch firm can still oft cut bills by just switching tariffs. Though if your cheapest is another firm - it's the same gas, the same electricity, the same pipes, same safety. The only real change is the price, and who you call up.
- Our FREE Cheap Energy Club's designed to make it easy. Everyone's cheapest depends on their usage & postcode. Our Cheap Energy Club uses (we hope) plain English to find your cheapest deal and guide you through switching, usually giving £30 dual-fuel cashback if it can switch you. After that, uniquely, it monitors the tariff to check it's still cheap and tells you once it isn't.
- Fix prices for long term peace of mind. If you'll change rarely, a fix gives peace of mind of a locked-in rate for up to four years. Just make sure it has no exit penalties, so if politicians deliver their holy grail of lower bills, you can escape. Our Top Pick Fixes Comparison via Energy Club runs through your bespoke top deals.
- They do it by phone if the web's a bother. Some comparison sites let you do it by phone. If you use these numbers and mention "MSE cashback", you'll get it too (they don't give it direct, so do it this way).
Energyhelpline* 0800 074 0745 pays £15 cashback per switch | Dual fuel: MoneySup* 0800 177 7861, £30 cashback | uSwitch* 6 bottles wine 0800 404 7895 - no wine by phone | UK Power* (0800 320 2000) £30 cashback.
- Five need-to-knows to finish...
- For those without gas, don't worry. Electricity-only deals follow the same route as above.
- For prepayment (card or key) meters, see our Cheap Prepaid Energy guide.
- If possible, always pay by fixed MONTHLY direct debit. It's up to 6% cheaper, but do regular meter readings.
- As prices have gone up, remember 'savings' are compared to 'what you would've paid', not last year's bills.
- Some cheap 'online' tariffs post bills, so you can use 'em without web access. See Offline-Friendly Web Tariffs. |
|
| | | |
| £74 GHDs + FREE £10 heat protect spray. Code & discount reduces £100 straighteners. 2,500 avail. GHD bargain BT's hiking prices this SAT - beat it. Line rent's up to £15.99 from £15.45/mth, as are call costs. Options: 1) Pay BT £141/yr upfront* saving £51/yr. 2) Switch to Post Office* £12/mth or £120 for a year upfront, saving £72/year. 3) By far the cheapest line rent's this Primus £6/mth deal. With no calls included, on paper it's great for those who only have a line for broadband - BUT we've had disproportionately bad service & billing feedback on it. Full info: Cheap Home Phones New £29 Premier Inn room sale. 75,000 avail at launch for March-June stays (Ldn £49+). Hotel Sales Uggs 40% off code. MSE Blagged. On all Uggs at Zutti, incl Classic Short boots for £90, Talls £114. Ugg Deals |
Unwanted prezzies? What to do with 'em...
Gifts as useless as an online packet of crisps? You've no automatic right to a refund. How to get what you want Shockingly, one in four people chuck unwanted Christmas gifts straight in the bin. If you're less than delighted about what you've just unwrapped, here are your rights and a few suggestions to maximise its use (someone paid for it after all)...  - Don't assume you can take it back. Unless it's faulty, you've no legal right to return store- bought goods - even if it's the wrong size. Many stores do allow it, so ask with a smile, and if they offer owt, eg, an exchange or credit note, you're doing well. Full info in Consumer Rights.
- Faulty goods are always returnable. If something's faulty, the retailer can't refuse to take it back. It must refund, fix or replace it. Return it as quickly as possible. See Faulty Goods rights.
- YOU'VE no rights to return faulty prezzies. Only the buyer has (barring gift receipts which transfer rights). For stickler shops, ask the buyer to help - it's their money being wasted.
- Can you re-gift? If it's a good gift, but not for you, don't be ashamed. It's better than wasting (just not back to the giver).
- Won't use it? Sell it. Don't prevaricate, you'll likely get a better price for new items in pristine condition.
- Flog it on eBay. Get max cash for your cast-offs with our 40+ eBay Selling Tricks, eg, boost sales, build rep & smash fees.
- Feel guilty selling it? Then why not give the proceeds to charity? In the big picture, that's a true win-win.
- Give it away on Freecycle or Freegle. Your trash could be someone's treasure - 30 Giveaway Site Tips shows how.
back to top ↑ |
Show Best Buys
Mulberry launches up to 60% off sale. Posh brand - not cheap, but as the song says, if you're gonna do it, do it right. Incl oversized Alexa £696 (eek), and men's suede Freddie satchel £347, was £695. Mulberry Deals New and boosted sales - some now 70% off
Boosted sales: Asos now 70% up to off (was 50%) | Debenhams Blue Cross Sale now on (was up to 50% off)
Lyle & Scott EXTRA 50% off code valid with sale | Dotty P's EXTRA 20% off valid with up to 50% off sale
New sales: Tesco Direct up to 50% off | Lakeland up to 60% off | For a full list of all sales: 50+ January Sales 30p posh cheese, £11 Heston choc pud £1 - can you find Xmas food bargains? We also found £12 biscuits for £2.50 and Port and Stilton packs for £1.50 in supermarkets. More in Hot Bargains. Forum Hottie. Totally FREE £2 Amazon MP3 credit code. No minimum spend code. See TuneChecker. |
Can you earn £100s selling your old mobile?
MobileValuer.com instantly finds the BEST price for your old handsets - perfect if you upgraded over Christmas The TV is full of 'sell your old mobile' ads, brand-building to get your attention. Yet don't just jump to the one with the catchiest tune. There's huge price variation between the sites, both by handset and by the day. To help... - Free tool instantly finds the best price. Our MobileValuer site compares 'sell your mobile' site prices to find the best price, including full guidance on how to do it (they usually send a bag or provide a freepost address). The more modern the phone, the better price you can get for it. Though some older phones only go for peanuts.
| Best & worst prices for the top 10 most searched for phones (1) | | Handset | Best & worst payers | Handset | Best & worst payers | | 1. | Apple iPhone 4 16GB | £124-£65 | 6. | Samsung Galaxy Ace | £25-£13 | | 2. | Apple iPhone 4S 16GB | £122-£100 | 7. | Apple iPhone 3GS 16GB | £72-£10 | | 3. | Samsung Galaxy S2 | £55- £35 | 8. | Blackberry Curve 8520 | £27-£3 | | 4. | iPhone 5 16GB | £202-£140 | 9. | Blackberry 9900 Bold Touch | £50-£6 | | 5. | Samsung Galaxy S3 | £121-£100 | 10. | HTC Desire | £49-£6 | | Compare prices for ALL mobiles. Assumes mint condition, prices correct at 2 Jan 2014. (1) On MobileValuer | - The five golden rules when flogging old mobile handsets
- 'Working' phones should generally switch on, with only mild cosmetic damage and the original battery.
- If your handset's not working, you can still flog it, just for less. Let the site know (most have a option).
- Ensure there are no Pin or security locks on, wipe personal data, and, if possible, restore factory settings.
- After inspection, if it's not up to par (& annoyingly even if it is) it may offer less. Don't be afraid to ask for it back.
- These sites are all about instant prices. Yet if you're prepared to flog it yourself on eBay and have a good history, you can often beat even the best. See our full 30+ eBay Selling Tricks guide for a crash course in how to do it. back to top ↑ |
| £50 off year's Alton Towers, Thorpe Park pass. £105 (was £159) for a year of parks, zoos & dungeons. Merlin Hit by the storms? Lost electricity, train delays, damage - know your rights. You may be entitled to help for the loss of electricity, delayed or cancelled trains/planes and on your insurance for damage to your home. Full help: Storm Problems Rights. Also discuss on our Floods and Storms board. £10-£40 London theatre tix still available. Jan & Feb shows incl Billy Elliot & The Bodyguard. Book now
Show Best Buys |
| Show Vouchers and Top Deals |
Restaurant vouchers | Discount vouchers & sales | Top deals |
|
 MONEY MORAL DILEMMA
Should I cough up to avoid cheap seats at the theatre?
This week's MoneySaver who wants advice asks... My brother and I want to see a West End show. I would rather pay full whack for top seats, but he earns less than me so doesn't want to shell out. Our mum suggested I subsidise his ticket, but I feel this is unfair and he's being difficult because he thinks this is the likely outcome. Should I cough up? Enter the Money Moral Maze: Should I cough up to avoid cheap seats at the theatre? | Suggest an MMD | Past MMDs Did you try Martin's MSE Christmas quiz? Questions again if you didn't, answers if you did. MSE Christmas Quiz BOOK GIVEAWAY
Robotslayer. 50 blagged for MoneySavers. Find out if you got one. THE GREAT HUNT
Cheap cooking substitutes
It's all very well for celebrity chefs to use expensive ingredients in recipes, but they're too costly, what alternatives do you use and do they affect the end result? Share yours/read others': Cheap cooking substitutes Past topics: View all CHEAP FLIGHT SALES ALERT
Airline: Jet2 Offer: 10% off code Ends: Ongoing
Our pick this week is Jet2's 10% off code. You can get 10% off the cost of any return flight (excluding some charges and extras) if you enter the promo code SALE10 at the checkout. To find flights quickly, use the FlightChecker on a 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
MoneySaving New Year resolutions
MoneySavers' ways to save in 2014 include investing in energy-saving devices, stocking up on Christmas cards/wrapping paper while they're cheap and checking direct debits to check they're current and necessary. back to top ↑ |
| | |
Martin's blogs | Martin's appearances 3 January
The Martin Lewis Money Show, ITV, 8pm-8.30pm.
Christmas debt and reclaiming money in lost bank accounts. | 6 January
This Morning, ITV, 11am-12pm.
New Year finance clinic. | |
MSE team corner - Team appearances:
- No team appearances this week.
| Discussion of the week Would you eat at a friend's house when it's dirty? If a close friend or family member has far lower hygiene standards than you, would you still eat there? Or would you stay quiet to keep the peace and avoid offending? Our forumites share their experiences on the Eating meals at friends/family's houses discussion. Have your say. | Cheap travel money |
This week's poll: Parcel delivery firms: who are best and worst? Please rate your overall experiences with these major firms (don't rate if you haven't used them). | Poll results What's your favourite Xmas film?
It's A Wonderful Life seemed a dead cert at first. But A Christmas Carol claimed the top spot, with nearly three times as many votes (bah humbug).
- 14% picked A Christmas Carol.
- 13% picked Elf.
- 9% picked Home Alone.
- 5% picked It's A Wonderful Life.
12,302 voted. See the full results. |
Question of the week Q: I used a price comparison site to get car insurance quotes and my credit file was searched by several insurers. Will this affect my rating? Ros, by email. MSE Leigh's A: Comparison sites share your information with a number of insurers which will look at your credit data to check who you are, provide you with quotes and to see if you would be able to meet monthly payments. The good news is that it's classed as a 'soft search', meaning other lenders DON'T see this footprint and it won't affect your rating - only you see it. But your credit score will be affected if you decide to buy cover and pay by instalments - then a 'hard search' will be carried out. Please suggest a question of the week (we can't reply to individual emails). |
 Debs' free game of the week: Color Cleaner |
Want to join Martin's 2014 run challenge club - how far can you go? That's it for this week. But as January's the month of trying to shed pounds as well as gain them, and as running's the perfect MoneySaving sport - a pair of trainers, shorts, T-shirt and you're off - Martin's inviting you to join his run challenge club. To find out more, read How far can you go in 2014? 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 barclaycard.co.uk, mbna.co.uk, lloydsbank.com, halifax.co.uk, fluid.co.uk, mbna.co.uk, firstdirect.com, energyhelpline.com, moneysupermarket.com, uswitch.com, ukpower.co.uk, productsandservices.bt.com, postoffice.co.uk, gocompare.com, google.co.uk, directline.com, aviva.co.uk, admiral.com, sainsburysbank.co.uk, tescobank.com, comparethemarket.com, confused.com, santander-products.co.uk.
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 |
No comments:
Post a Comment