| | MARTIN'S QUICK BRIEFING: For more tips, alerts & awful puns, follow Martin on Twitter 50 tips for over-50s
A clarion call to silver savers to take up arms and cut their costs... It's said, like wine & cheese, some things get better with age. I'm never sure if MoneySaving fits that, or if it's more like raw meat. Yet hopefully our 50 Over-50s Tips (some only for older) won't stink. Here are 10 to seduce you... | 1. | NEVER just take your pension company's annuity offer. At retirement, many who've saved cash in a pension convert a large chunk into an annuity - a regular income for life. There are three big need-to-knows...
a) Don't just take your pension firm's offer. A nightmarish 60% do, rather than finding the best rates, eg, losing out on £11k per £100,000 over 25 yrs.
b) A health & eye check could net £1,000s. Always check if you've an undiagnosed condition that'll give an 'enhanced', ie, better rate.
c) You can't change your mind. Most annuities are a one-time purchase, which is why if you're not sure, you should get independent financial advice. So for full help on all these and to get the best buys, get our...
Free MSE Annuity Printed Booklet: Instant PDF, Order Printed Copy | | | | 2. |  You're entitled to it... As you get older, a host of entitlements become yours.
- Over-60s (62ish in Eng) get free bus travel. 60+ Londoners, free Tube & bus travel.
- Over-60s get Free Prescriptions in Eng, saving £7.85/batch (elsewhere they're free anyway).
- Over-75s bag a Free £146 TV Licence, covering the whole household.
- If anyone in your home was born pre-5 Jan 1952, you're due up to £300 in tax-free winter fuel payments (newbies may need to register). Plus anyone on specific income support/jobseeker's allowance or pension credit gets £25 for every 7 days it's sub-0°C. See Winter Fuel & Cold Weather.
- Over-60s get 1/3 off rail tickets with a Senior Railcard (normally £30, but follow this link and we've a code to get you 10% off). | | | | 3. | Get a YEAR's travel insurance from just £15. Older travellers get milked by insurers as costs rise outrageously. We scour hard to find the best rates as you age. Here are the cheapest for singles (that meet our min cover levels). For couples' & families' deals, see Older Travel Insurance.
50+: Holidaysafe Lite* £15-£19 Europe; £25-£28 world.
65+: Elect* £53 Europe, £69 world, using code save15now.
70+: Holidaysafe* £56 Europe, Leisure Guard £75 world.
75+: Holidaysafe* is £125 Europe, Planet Earth* £202 worldwide.
80-85: via Castle Cover* £276 Europe, £435 worldwide.
Single trips can be cheaper: If it's too costly above, and you don't go away a lot, use the MoneySupermarket* comparison.
Get it free if you switch bank: The no-fee Nationwide FlexAccount includes annual travel insurance up to age 75 (needs £750/mth income to qualify). Some paid-for accounts incl cover up to age 79 - see Packaged Accounts.
Pre-existing medical conditions: Always declare them. Compare policies using MoneySup* and try specialist insurers such as Avanti* and Orbis. See full Pre-Existing Conditions help. | | | | 4. | Over-50s' discounts & freebies: B&Q, Odeon, Specsavers, boilers... Age has its privileges. There's a free over-50s' dining card for meal deals at 100+ pubs 'n' carveries. Over-60s get 25% off Specsavers, 10% off B&Q, cheap cinema tix & more. See Over-50s' Discounts.
In fact, our tip is (this works better for pensioners): if they offer a student discount, try asking for a pensioner one too. They can only say no.
Plus many pensioners on lower incomes are entitled to Free Boilers and Insulation, sometimes worth £1,000s. | | | | 5. | Have the 'unpleasant issues' chat, incl losing your faculties. Hopefully you'll live healthy and happily until you're 183. But in case problems arise, it's best to deal and communicate sooner and openly with your family.
a) 1 in 3 over-65s develop dementia. Unless you've a Power of Attorney which allows loved ones to take over your affairs, they need to apply in court, which can be hard and costly. Yet you can sort a PofA, just in case, now (I have one), without losing control. See Power of Attorney for help.
b) It's Over 55s' Free Wills Month. Make sure assets go where you want.
c) Discuss your preferences - see our Death Happens - Plan For It guide.
d) Compile a financial factsheet with info loved ones can access (but no security info) on all the products you have, whether cards, breakdown, mobile, insurance or investments, so you're not the sole source of info.
e) Do an Inheritance Tax Plan to make use of allowed exemptions. | | | | 6. | 'Free' calls, texts and data EVERY month for a one-off £20. Buy an Ovivo Sim* for £20, and get 300 mins/mth, 300 texts/mth and 500MB/mth at NO MONTHLY CHARGE and £15 credit (to go towards any costs if you go over inclusive limits). Do by 20 Mar & get a standard Cineworld ticket too.
The catch? If you use the web via it, you must watch ads & some say web speed's quite slow. While available to everyone, it especially suits those folk who just use the phone to phone or text as if you don't use the web, you never see the ads. You'll need an unlocked phone - full info in Ovivo Help. | | | | 7. | Over-50s' cheap car insurance. Older drivers can find it tough to access cheap cover - we've made a list of Over-50s' Cheap Car Insurance tips. A massive wedge can be saved. Our all-time record cheapest is 96p a year fully comprehensive from gran Barbara Wakerell.
Though just as a starter (for full help click above), for max quotes in min time combine MoneySupermarket* and Gocompare* then add big 'uns missed - Aviva*, Direct Line* and Age UK. | | | | 8. | Are you in the 1m missing out on up to £35/week pension credit? The full state single pension's £110/week, yet if your total income is under £145/week or even if you've some savings, you may be entitled to a top-up.
See Pension Credit info for more (and the Benefits Check-Up tool) or call 0845 60 60 265 to talk to the Pension Service helpline and find out. | | | | 9. | Don't be loyal to gas & elec firms - it costs you. It's a national disgrace that I pay far less to boil a kettle than a 90-year-old on a state pension struggling to understand the system. That's why switching to a cheap tariff that could save £200 a year to break the energy loyalty habit is vital.
Switching isn't a big faff. It's the same elec, same gas, same safety. Only service, billing & price changes. Sometimes YOUR OWN ENERGY FIRM offers a cheaper deal, but you need to ask to move to it.
To make it easier, use the MSE Cheap Energy Club which compares for you, shows you top long-term cheap picks and alerts you when to switch again. | | | | 10. | Warning. Equity release is NOT a no-brainer. Equity-release loans are sold as a way to spend the value of your home while you're still living there.
Yet rates, at 6%-7%, are far higher than mortgages, and more importantly, as you usually don't make repayments, interest compounds at rocket speed. Taking £20,000 aged 65 can take c.£100,000 from your value 25 years later.
If you can, the best way to get cash from your home is to downsize, & do it early. Many wait, and when the time comes decide they're too old to move and constantly regret it. See Equity Release Need-To-Knows. | | | |
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 |
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| Wed 12 Mar 2014 |
Quick. 2.9% AER cash ISA loophole
Take advantage of two cash ISAs that you're meant to lock cash away in, but let you escape if needed A cash ISA is just a tax-free savings account. If you've not opened one since last April, you've until 5 April to save up to £5,760 so the taxman can't bite your interest. Most ISA rates aren't great, but we've spotted two fixed cash ISAs with manipulatable terms. Warning: Go quick. Last time we found a trick like this, it was pulled hours after we put it in the email.  The 2.9% AER cash ISA. Newcastle BS's 5-year 2.9% fixed rate ISA (min £500) accepts new money and transfers. Like all fixes it's designed for locking cash away, but 5yrs is a long time to do that, especially as interest rates may bounce back.
By law, technically even fixed-rate cash ISAs must allow you to access the cash, so instead they levy hefty interest penalties. Yet with a penalty of just 120 days' interest, Newcastle's is low for a long fix & it allows partial withdrawals (the penalty's only on what you withdraw). So the trick is to get this, even if you may need to access your cash much earlier.
If you withdraw after just a year, after the penalty you'd have got an avg rate of 1.95%, compared to 1.75% easy access, or 1.9% in the top 1-yr fix. Withdraw after 2 yrs and it's 2.4%, compared to 2.05% in the top 2-yr fix. If Newcastle's pulled, Coventry BS 2.75% 3yr fix (new money only) also has just 120-day penalties, though you need to close it to withdraw. - 1.65% AER variable with unlimited access to cash. If you'll need to dip into your ISA regularly, National Counties' Online Cash ISA allows unlimited withdrawals, paying 1.65% AER. Slightly boost this with Britannia's Select Access ISA, paying 1.75% AER if you don't withdraw cash more than twice a year (0.25% if you do).
- Does Santander 123's 3% beat the best easy-access cash ISAs? Read Martin's new Santander v ISAs blog.
- Cash ISA golden rules. 1) Monitor your rate on variable deals. If it drops, ditch & ISA transfer. 2) NEVER withdraw cash to transfer. Ask the new provider to shift it for you. 3) All accounts listed have full £85k Savings Safety.
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| 100,000 water-saving FREEBIES, eg, £17 shower head. What's avail depends on location (mainly Eng only, 14 water firms), gadgets incl shower head for upping pressure & reducing water use; toddlers' £10 bath toy & more. Water Sky TV & broadband 50% off codes - AVAILABLE NOW. MSE Blagged. 2,600 discounts available today for Sky newbies (or those who last had it 12+ mths ago). First come, first served, but must be redeemed by Thu. Cheap Sky TV Pay £8 get £16 train credit + pay £5 get £10 Debenhams
Daily Deals offers: (limited availability) Pay £8, get £16 train ticket credit | Pay £5, get £10 Debenhams gift card |
Urgent. Is your energy fix about to end?
CHECK NOW. Beat the bill shock, if you're one of thousands facing up to £200/yr rises as 15 fixes are about to end It's thought 100,000+ households could see their gas and electricity bills soar by up to £200/yr as 15 main fixed deals end within two months. Do nowt and you'll be put on your supplier’s more expensive standard tariff. Yet you can beat this. - Are you affected? Check your tariff (any bill should list it). 15 main fixes end by 30 April. Biggies include... EDF's popular Blue+ Price Promise Apr 2014 | British Gas Fix and Fall March 2014 | Scottish Power Online Fixed Price Energy Apr 2014 | First Utility iSave Fixed v4 March 2014 | Sainsbury's Energy Online April 2014.
- Ignore penalties - you can start the switch now. A switchover usually takes 6wks. Apply now to time it right. Yet rules now say your existing suppliers CAN'T CHARGE EXIT PENALTIES less than 49 days before the fix ends.
TOP PICK FIXES (typical usage) - varies by region
Top fix comparison to find YOUR actual price | | Fixed till | Exit fee | Cost/yr | | Costly standard tariff (1) | - | - | £1,300 | | Avg standard tariff (2) | - | - | £1,200 | | Ovo Cheaper Energy Fix* (3) | 1 year | £30/fuel | £1,015 | | First Utility iSave* | 30 Apr 15 | £30/fuel | £1,030 | | Npower Online Price Fix* | 30 Jun 15 | None | £1,090 | | EDF Blue+* | 31 Mar 17 | None | £1,200 | | Npower Price Protector* | 31 Mar 18 | None | £1,250 | | Source: UK Power. All monthly direct debit, dual fuel, unless stated. (1) SSE, non-direct debit. (2) Across big 6. (3) Direct debits are taken in advance. | - Lock in a new fix now - many can save £200+/yr. All the market's current cheapest deals are fixes, which ensures your price won't rise. Use our Top Fixed Picks comparison.
We favour no-exit penalty fixes, so if prices fall elsewhere or you want to leave, there's no cost; but if a tariff with exit fees is much cheaper, it can be worth it.
Longer fixes cost more, but can be worth it if price certainty is crucial for you or if you know you won't be a good energy tart (ie, you won't keep re-fixing after each fix ends).
- ALWAYS compare (& get £30 cashback). These prices are estimates. Your cheapest deal depends on your usage and where you live. To find out, plug your details into the MSE Cheap Energy Club comparison. It'll...
a) Compare the whole market to find you the cheapest tariff. b) Usually give you £30 cashback when you switch. c) Alert you if you can get a cheaper deal elsewhere. For full help & other cashback options, see Cheap Gas & Elec. back to top ↑ |
| Wed only: M&S Outlet EXTRA 20% off code. MSE Blagged. Use on items already up to 50% off. M&S New. M&S up to 50% off end of season sale. 1,000s of men's, women's, kids, & home items. See M&S Sale. Big £63 photo canvas for £15... and more Mother's Day photo ideas
MSE Blagged: Big 40cmx60cm canvas (A2ish) £15 norm £63 | 96-page hard cover photo book £19 norm £75
75% off 30.5cm2 canvas £14.25 all in | 'Free' 18"x12" poster pay £2 p&p | Photo Deals Today (Wed) only: Gap 25% off code. 30% for newbies. Online full price items only, ends 11.59pm. See Gap Codes. |
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| 'Best ever' 0% balance transfer card to be withdrawn this month. The new Nationwide 26mths 0%* card's super-low 0.75% fee means for a great many, it's the cheapest long-term place to shift existing debts. It's just been confirmed to us the card will be withdrawn on 31 March (or poss sooner), so apply now if you want it. Do repay IN FULL before the 0% ends or it jumps to 17.9% rep APR. Full best buys: 0% Balance Transfers (APR Examples) Kindle Fire tablet refurb £69 (usually £99) | Kobo Mini e-reader £30 (£60). Full info in Hot Tech Bargains. 2for1 theme park tix incl Alton Towers + London Eye via £3ish cereal. Stock up for summer. Most tickets last for ALL OF 2014 (except London Eye, which is till April) though some dates are excluded. As tickets can cost up to £48, it's a corking saving. Or collect Sun tokens for 2 x free Alton Towers tix. FULL options in Merlin Theme Park Deals. |
Now TWO 18-mth 0% spending credit cards
If you spend on a credit card and don't pay it off in full, ensure no interest, so you borrow at NO COST Used right, on planned, budgeted borrowing, credit cards are the cheapest way to borrow. Yet if you use them to regularly plug a gap in your income, at high cost, it's a huge danger - stop. If you need to borrow, though, always aim for 0%. - Longest EVER 0% on spending - 18mths. New cardholders at both Tesco* and Santander* get 18mths 0% on spending - though Tesco just pips it as you also earn one Clubcard reward point per £4 spent. Don't let that drive you to overspend, though, just see it as an added bonus on planned purchases.
| LONGEST 0% SPENDING CREDIT CARDS | | Card | Spending deal | Spending perks | Rep APR after | | Tesco* | 18mths 0% | 1 Clubcard pt per £4 spent | 18.9% | | Santander* | 18mths 0% | - | 18.9% | | Halifax | 17mths 0% (1) | - | 16.9% | | Sainsbury's* | 16mths 0% | 1 Nectar point per £5 spent | 16.9% | | NatWest* | 15mths 0% | - | 16.9% | | M&S* | 15mths 0% | 0.5% back in M&S points | 16.9% | | Sainsbury's* | 6.9% APR long term (1) (2) | 1 Nectar point per £5 spent | 6.9% | | (1) Only 51% of accepted applicants need get this deal. (2) While the rate isn't fixed, in practice card regulations mean you can usually reject rate rises. (3) Full info in 0% Cards & APR Examples. | - Tool shows which card YOU'VE best chance to get. Usually, the only way to know if you'll pass the credit score is to apply, which marks your file. Our 0% Spending Eligibility Checker shows your acceptance odds for each card. PS. Please only use it if you're serious - while it's free to you, we pay a small amount for each check you do.
- Always obey the 0% golden rules. a) Always pay at least the monthly min or you may lose your 0% deal. b) Clear your card before the 0% ends or the rate jumps (if you can't, do a balance transfer). c) These rates are only cheap for spending, not shifting debts. c) Beware withdrawing cash - it's costly and hits credit scores. See APR Examples.
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| Post Office euro & dollar 24hr FLASH sale. From 8am Wed - 8am Thu, the Post Office is boosting its euro and US$ rates. Use our Travel Money Comparison to see how it stacks up. Though the Halifax Clarity* credit card's no-load worldwide, so you get near-perfect spending rates, smashing bureaux de change. Just pay it off IN FULL each month to minimise interest or it's 12.9% rep APR. For full help and more tips, see the Cheap Overseas Cards guide. (APR Examples) 18 Burger King vouchers, incl 2for1s. Valid till 4 May. Incl 2for1 Whoppers, £10 family meal. BK Deals 2for1 McDonald's coffees, frappes & cakes every day. Ends 6 Apr. You + mate. Need its app. McDonald's Cafe Show Best Buys
Manchester Cake & Bake Show tix for 2 ONLY £2.50. 500 pairs. RRP £30. 50% code once those go. C&B Show CODES: Body Shop buy 2 get 2 free, Dorothy Perkins 25% off, etc...
Dotty P 25% off (& vch) | Body Shop buy 2, get 2 free | Burton 25% off (& in-store) | Topman 10% incl sale | All codes/vchs 5,000 free £14 Home Improvement Show tix. Birmingham NEC, 27-30 Mar. Home Improvement Show |
Beware Google - the top 10 shyster sites to avoid
Search for an EHIC, driving licence, passport or more and you risk being duped into paying a shyster site for nowt They're not technically illegal (we think they should be), so we can't call them scam sites, but they are shysters. These firms appear on Google/Bing, dressed as official agencies. They then let you unnecessarily fill in applications and pay the 'cost' via them, slipping in their own hefty charges on top. The first rule is to never click the 'ad' section if you're looking for official sites, but there are a lot more need-to-knows in our new 60-second guide to Shyster Sites, including... | The Top 10 Shyster Site types | | Service | Percentage of people caught/nearly caught (a) | How much? | What shysters charge | Legit help | | 1. | EHICs (European Health Insurance Cards) - treatment at same cost as local | 42% | Always FREE | c.£25 | EHIC guide | | 2. | Passports applications | 28% | £46 to £137 | Up to £235 | Passport guide | | 3. | Driving licences applications | 18% | £20 | Up to £80 | Driving Licences | | 4. | ESTAs (US travel permit) | 12% | $14 | Up to $120 | ESTA guide | | 5. | Birth & Marriage certificate copies | 7% | £9 | £14 | Gov.uk | | 6. | Holiday visas (for many countries) | 6% (b) | Typically £10-£150 | Up to £60 extra | Gov.uk | | 7. | Driving theory test bookings | 5% | £31 | Up to £60 | DVLA | | 8. | London congestion charge payments | 5% | Up to £12/day | Up to £20/day | TfL | | 9. | Filing your tax return | 5% | Always FREE | Up to £1,000 | HMRC | | 10. | Vehicle tax discs | N/A (c) | Typically £10 - £1000 | Up to £100 extra | Vehicle Tax | | (a) This is the % of the 1,750 people in our poll saying they've been caught or nearly caught by at least one of these. (b) We suspect it's larger than this, as many people use shyster sites but don't realise. (c) Not included in our poll. | - Can I get my money back if I've been tricked? It's not easy, yet we've heard of a few successes. The quicker you contact them and say you were misled that it was an official site, the better. If nothing else, just kicking up a fuss adds to their costs. Full help and template letters in Shyster Sites.
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| How good's your maths? Take the test. National Numeracy Week challenge to see if you're sumthing special. £10 off London minicabs code. Top up £10 online or via app, get £10 extra to spend. Kabbee
Show Best Buys |
| Show Vouchers and Top Deals |
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 CAMPAIGN OF THE WEEK
Find it hard to read, write, do sums or work with folk who do?
MPs are looking at how grown-ups should be taught maths, reading and writing. They want to hear from people who would like to increase their skills and from groups that provide courses. Do learners get the support they need? How is it easiest to learn? Did a course help you? Send your thoughts in writing or video to biscom@parliament.uk by Tue 25 Mar. Also, the National Numeracy Challenge checks your level of everyday maths. Try it out and let us know your thoughts in the MSE Forum. BOOK GIVEAWAY
The Compass of Now. 25 blagged for MoneySavers. Want one? MONEY MORAL DILEMMA
Should I buy up cheap stock from a friend so I can flog it myself?
This week's MoneySaver who wants advice asks... A friend of a friend's shop is failing. She's planning to sell the stock cheaply to make money back. I've suggested she put the items on eBay but she's insisting on selling it for next to nothing. I'm also struggling financially and think the eBay idea is a good way to make cash fast. Would it be out of order to buy the stock from her and sell it myself for a profit, given that I gave her first refusal? Enter the Money Moral Maze: Should I sell friend's stock on eBay? | Suggest an MMD | View Past MMDs Dream of being debt-free? Join our help-clear-your-debts Twitter "party" every Fri from 8.30pm on @MSE_Forum. THE GREAT HUNT
What tricks do you use to stop yourself spending?
Whether you're in debt or trying to avoid it, learning to spend within your budget is an important life lesson. We want to tap MoneySavers' collective wisdom on controlling your spending. When there's something you want but can't afford, how do you keep the urge at bay? Share yours/read others': Tricks to stop spending 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. Each passenger gets 10% off the cost of any return flight (excluding some charges and extras). Enter promo code SALE10 at the checkout to get the discount. It won't work on group bookings of 10 or more people. 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
Green-fingered tips for growing your own
A couple of MoneySavers recommended sowing peas, beans and parsnips in toilet rolls, while forumite redfox makes tomato fertiliser from nettles. It sounds obvious, but the best way to save is to grow things that cost the most to buy. back to top ↑ |
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Martin's blogs | Martin's appearances 13 March
Daybreak, ITV, 7.35am-7.45am.
Deals of the Week. | 13 March
Shelagh Fogarty, Radio 5 Live, 12pm-1pm.
Consumer Panel.
Subscribe to podcast. | 17 March
This Morning, ITV, 11am-12pm.
Subject tbc.
Watch this week's show on ISAs. | 14, 16, 17, 26, 27 March
Ideal Home Show, Super Theatre, Earl's Court, London, 12pm on 14, 1pm on 16, 2pm on 17 & 26 and 5pm & 7pm on 27.
Martin will give a MoneySaving talk. | |
MSE team corner - Team appearances:
- No team appearances this week
| Discussion of the week What would be a fair amount for a 21-year-old to pay? Having grown-up children at home is becoming more common. A forumite asks: What would be a fair amount for a 21 year old to pay in rent? Have your say. | Cheap travel money |
This week's poll: Should pre-nups be encouraged? Should pre-nups be encouraged? Which of these is closest to your view? | Poll resultsAre you a shyster site victim for EHICs, passports and other renewals?
See the Shyster site note above for full results. |
Question of the week Q: Can you switch energy provider if you have solar panels? Andrew, by email MSE Marcel's A: Yes, you can. When you get solar panels, you get paid to generate electricity every year for 20 years. The payments are called the feed-in tariff and they're provided by suppliers. You don't have to get your energy supply and feed-in tariff from the same company. That means solar panel users can switch their energy supplier on our Cheap Energy Club comparison, just like everyone else. All the big six energy firms let solar users switch to them. When we checked, we found no smaller firms that don't allow it. After switching, the payments will still come from your current feed-in tariff provider, so nothing changes. If you want to switch to a different feed-in tariff provider, call your current one to see if it's possible. Usually, if you want to get the payments from a different supplier, you'll have to switch energy to that company too. More help on switching in Cheap Gas and Electricity.
Please suggest a question of the week (we can't reply to individual emails). |
 Debs' free game of the week: Keyboard Mayhem |
How posh are you? That's it for this week, but before you go, take this quick quiz to see how much of a 4x4-driving, Barbour-wearing rah you are (or not). The Posh Test. 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 holidaysafe.co.uk, electinsurance.co.uk, wearetravelinsurance.co.uk, insureandgo.com, moneysupermarket.com, ovivomobile.com, gocompare.com, aviva.co.uk, directline.com, avantitravelinsurance.co.uk, ovoenergy.com, first-utility.com, npower.com, edfenergy.com, nationwide.co.uk, tescobank.com, santander-products.co.uk, natwest.com, marksandspencer.com, sainsburysbank.co.uk, halifax.co.uk, barclaycard.co.uk, admiral.com, postoffice.co.uk, 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 |
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