| | MARTIN'S QUICK BRIEFING: For more tips, alerts & awful puns, follow Martin on Twitter Step aside George, it's time for my Budget
I can't change the economy, but I can try to put cash in your pocket  Mr Osborne stands up at 12.30pm today. There's little any of us can do about the economy, but at least we can tackle our own finances.
Whether as flattery or insult (I'm never sure), another poll's put me top of the public's list of people they'd like to be Chancellor (see my Ta, but I don't want to be Chancellor, nor am I qualified blog). So I thought I'd give you my top 10 household budget tips.
| 1. | Stock up now on fuel, booze & cigarettes? While chancellors normally boost duty, that's not certain - stocking up now could be a mistake. This is about timing - there's a small window of opportunity after the budget...
- Petrol/diesel: On the day, rises are usually at 6pm, so there's time to fill up if it happens - though it may also be set to rise a few months ahead. To save far more than any rise, see our Cheap Petrol & Diesel guide covering driving better, cashback & cheaper fuel. Some can cut bills by 30%.
- Booze: The duty's added at 6pm, so there's time. If you prefer grapes to hops, use our Wine Discount Finder. Please be Drinkaware.
- Cigarettes: Duty here will almost certainly rise to discourage this unhealthy habit. There's time to beat it by stocking up by 6pm, but for far bigger savings, see our Free Ways To Stop Smoking guide. | | | | 2. | New childcare tax break coming, but you can get help NOW (and some should rush). The Coalition announced yesterday that its new Tax-Free Childcare scheme will be introduced from autumn 2015 for under-12s. It means for single working parents or couples where both parents work, for every £80 you spend on childcare, the Government will add £20 (up to £2k). See our New Childcare Help news story.
Yet there are two forms of help you can get straight away.
- Childcare tax credits. If you pay for childcare and work 16+hrs a week, or are a couple both working 16+hrs, with sub-£41,000 family income, check if you're eligible for childcare tax credits. They can be worth £1,000s a year. Though if you get these, you can't get the new tax break.
- Childcare vouchers. If you're not due tax credits, see if your employer offers the childcare vouchers scheme, letting you pay for childcare from PRE-tax income which can be worth up to £930 a year per parent. This scheme will be replaced by the new tax break.
IMPORTANT: Couples where only one parent works can get childcare vouchers, but they can't get the replacement tax break. Yet anyone signed up for vouchers before the new scheme starts in 2015, without changing employer, will be eligible to continue, but there are plans to phase it out. | | | | 3. | Help to Buy boosted - but don't assume that means it's right for you. The Chancellor's already announced he's extending the Help to Buy scheme, but he's talking about the bit that applies only to new-builds. The other part, which gives mortgage companies backing so they can lend to those who have just a 5% deposit (or equity), continues unchanged.
Just because mortgages are available doesn't mean it's right for you. Pushing finances too hard is dangerous. Ensure you know what you're doing. Grab my Free First-Time Buyers' Mortgage Booklet for full help. | | | | 4. | The Govt wastes £120bn a year - but we're not much better. According to the Taxpayers' Alliance lobby group, the UK Government is said to waste £120 billion a year (though this all depends on your definition of "waste").
We're not much better. Many people throw cash away each month - here are a couple of things people have told us...
"I looked through my standing orders for the first time. I've been paying repair insurance for white goods we no longer have for six years, at £16/mth."
"Paid for the gym for 3 years at £69/month - nearly £2,500. Think I went twice for the odd swim in the 3 years." That's £1,250 a workout.
Don't think this is rare - you may be throwing money down the drain too. Everyone, do the step-by-step Direct Debit & Standing Order Audit today to see what you're wasting. And if you're brave, try The Demotivator. | | | | 5. | The nation owes £1.3 TRILLION, but we need to cut our own £1.4tn debts. At £1,300 billion, the national debt is still growing. Don't let politicians' talk of 'deficit reduction' confuse you. That just means reducing how much they add to the national debt each year, not actually reducing the total amount owed.
Yet our personal debts are bigger than the nation's. We collectively owe £1,300bn on mortgages, £33bn on loans and £57bn on credit cards. The general rule is to focus any spare cash you've got on repaying the highest interest debt as quickly as possible.
It's also crucial to try to minimise the interest rates - you'll see below the best ever 0% debt shift deal may be ending soon. Also check out cheap loans to see if you can cut your cost. | | | | 6. | £25bn more in austerity cuts to come - time to slay some pelicans. Mr O has already warned of another £25bn in cuts after the next election, bringing the total to £60bn. Though you probably can't save billions, you can probably still slash your pelicans (big bills).
- Drive down car insurance costs: Don't just auto-renew. First combine comparison sites - MoneySup*, Gocompare*and, Confused.com*. Then add in the missed Aviva + £50 Amazon voucher and Direct Line*, and if you've more than one car, Admiral MultiCar*. But for the real hardcore savings, see our full Car Insurance & Young Drivers' Car Insurance guides.
- Build up home insurance savings: Again, combine comparisons, this time Confused*, Compare TM*, Tesco Compare* and add deals missed incl Aviva*, Direct Line* and Legal & General + £70 M&S. For much more help, tips and tricks, see the full Cheap Home Insurance guide.
- Switch gas & elec - it only takes 10 mins: Far too many stick with a dismal tariff, hugely overpaying, when it's far easier than you think to sort. Just join our Cheap Energy Club or read the Cheap Gas & Electricity guide.
This is just the start. My 40 Money Makeover Tips include huge savings. | | | | | 7. | At least the Chancellor actually does a budget... While he may have the Office of Budget Responsibility to help him, one thing we can learn from the Chancellor is to do a regular budget.
You probably know how much you earn. But how much do you spend? Spending more than you earn at best eats your savings, at worst causes debt. To help, try my Free Detailed Budget Planner tool. It's designed to give you an accurate answer on if you overspend.
Then comes the bit chancellors famously aren't as good at - sticking to a budget. This takes willpower or technique, so let's focus on the latter. The key trick is to try Piggybanking, where you siphon cash into separate accounts so you can truly see how much you've got to spend. | | | | 8. | The UK needs to boost its income, but that may be easier for you than it is for the nation... The economy is recovering. But worryingly, it's driven by increased consumer spending, much of which I suspect is from the £11.5bn of PPI reclaiming payouts in the last two years. What we really need to keep the recovery going is investment, plus income from elsewhere.
While it's never easy for countries or consumers, there are steps YOU can take. Our 60 Ways To Boost Your Income guide includes a host of ways from selling stuff, working from home or earning online. | | | | 9. | Mr Osborne, what about the mortgage ticking time bomb? Back in February, I challenged the Chancellor on-air about what he’s going to do to defuse the UK’s mortgage ticking time bomb.
This is the fact that while mortgages look cheap because base rates are low, variable rates are very expensive because they're so much higher than the base rate. So if interest rates rise as the economy recovers, many will struggle. He avoided the question and so far, nowt's being done.
Unfortunately, we can't bet on any party laying a golden mortgage egg soon, so your best bet is to crack it yourself. That means ensuring you have the cheapest possible mortgage deal. See my Free Remortgage Guide. | | | | 10. | The UK has lost its prime credit rating, boost yours. The UK no longer has the coveted AAA Moody's credit rating. Yet thankfully, our national debt interest hasn't rocketed, as many big economies have dropped too.
As individuals, we can't be so complacent. Credit scoring now plays a huge part in deciding whether you get a mortgage, credit card, loan, monthly car insurance, even a contract mobile phone. So we all need to actively manage our own credit scores. Tips include...
- Check your files for errors regularly. You can check for free, or even get paid to do it.
- Minimise applications which hit your file using our Credit Card Eligibility Checker. It shows which cards you've the best chance of getting.
- Ensure you fight unfair credit black marks to keep files clean.
- If you've a poor score, get a credit card for bad credit. Spend on it each month, repaying IN FULL so there's no interest, to improve your credit.
These are just the tip of the iceberg. See the full Boost Your Credit Score guide, which includes more than 10 tips to improve it.
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PS Want to watch the Budget with me? I'll be tweeting my #budgettranslations throughout via @MartinSLewis, and for straight news, follow @MoneySavingExp. |
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| Wed 19 Mar 2014 |
Last chance? 'Best ever' 0% balance transfer deal
This can slash £100s off existing credit card debts. But apply now, as rumours say it could be withdrawn any day... A balance transfer is the key weapon to cut the cost of existing credit card debt. It's where you get a new card that repays the debts on the old card for you, so you owe it instead, but at a cheaper rate. The good news is right now there's a price war, with salvoes aplenty being fired, resulting in the best deals we've ever seen - though they may not last. - Super-low fee 26mths 0% to end? Our top pick is Nationwide*. It allows accepted new cardholders to shift debts to it at 0% for 26 months for a fee of just 0.75% of the amount shifted. This fee's so low we calculate it beats even the longest 0% deal for most people, provided you repay or shift again within 31 months.
Launched last month, it's due to close on 31 March. But industry rumours suggest it's oversubscribed (perhaps as we've shouted so much) and could end early. We've no way to know for sure, but wanted to warn you in case. TOP BALANCE TRANSFER CREDIT CARDS
The general rule is (see exception above) aim for the lowest fee possible, provided you're sure you can repay in that time. | | Card | Intro offer | One-off fee (1) | Rep APR after | | Barclaycard* - Longest 0% card | 31mths 0% (2) | 2.69% | 18.9% | | Halifax* - Longest 0% if got Barclaycard | 30mths 0% (2) | 3% | 18.9% | | Last chance? Nationwide* - Overall cheapest | 26mths 0% | 0.75% | 17.9% | | New: Barclaycard* Next-best low fee long 0% | 25mths 0% (2) | 1.5% | 18.9% | | New: Bank of Scotland* - Lowest fee | 15mths 0% | 0.7% | 17.9% | | Capital One Balance* - Poor credit scorers | 0% until Oct | 3% | 34.9% | | MBNA Long-term low rate | 6.9% until repaid (3) | None | 18.9% | | 1) % of the amount transferred. 2) Here, some get a shorter 0% period. 3) On debt shifted within the first 60 days. | - Free tool shows odds of getting each card. Our Balance Transfer Eligibility Checker uncovers which of these (except Nationwide & MBNA) will most likely accept you. This minimises applications, which mark your file.
- ALWAYS follow the balance transfer golden rules. a) Repay at least the set monthly min or you may lose the 0%. b) Clear debt or shift before the 0% ends, or rates rocket. c) Don't spend on these, it isn't usually at the cheap rate. d) Unsure? Try our Which Card's Cheapest? tool. e) FULL help in Best Balance Transfers. (APR Examples)
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Grab £20 John Lewis vouch with £9 movie streaming trial trick. Now TV lets you watch Sky Movies online. It has a 1mth free trial for newbies, then £9/mth. Do for 2mths & get a £20 John Lewis vch. You could then cancel. Now TV Totally FREE £1.40 Burger King fries this Fri. Just turn up for small 'lower-fat' fries at 450+ branches. BK Deals Forum Hottie. Rumour: 50% Next sale this weekend. No official confirmation, but looks likely. See Next Sales. Body Shop beauty bundle for £30 code (£87 separately). MSE Blagged. 1,000s x 50% off codes. Body Shop |
Up to 5% easy access savings - via your bank account
Savings rates are dismal, but bank accounts are filling the void, paying up to 3x the best buy equivalent savings Current accounts used to be the worst places to store cash, but more banks now offer whopping rates, with TSB to become the latest to join the fray of banks at the end of March. These are loss-leaders, as banks froth at the mouth to get your business, so why not take advantage? See Best Bank Accounts - here are the top interest payers... THE TOP CURRENT ACCOUNTS SAVING INTEREST
For comparison, the top easy access savings deal pays just 1.5%. | | Current account | In-credit interest (AER) | Max interest each year (A) | Intro bonus | Min monthly pay-in (B) | Most accounts you can hold? | | Santander 123 (C)* | 3% on whole amount if you've £3,000 - £20,000. Plus up to 3% bills cashback | £450 (after fee) | - | £500 | 2 (1 must be joint) | | Lloyds Vantage | 3% on £3k-£5k (D) | £118 | - | £1,000 | 3 | | Nationwide FlexDirect* | 5% up to £2,500 for 12 months (E) | £98 (year 1) | - | £1,000 | 2 (1 must be joint) | | Clydesdale Direct* | 4% up to £3,000 till Mar 2015, 2% after | £94 (year 1) | - | £1,000 | 2 (1 must be joint) | | TSB Plus | 5% up to £2,000 | £78 | - | £500 | 4 (2 must be joint) | | Halifax Reward* | £5/month as long as you stay in credit | £60 | £100 | £750 | 2 (1 must be joint) | | First Direct 1st Account | None | None | £100 | £1,000 | 2 (1 must be joint) | | A) Estimated post-tax interest, if you always held the max balance or more. B) For most, this means pay in monthly income, if it's higher. C) Has £2/mth fee, but for most, cashback more than covers it. It pays 1% savings interest on £1k-£2k; 2% on £2k-£3k and nothing on above £20,000. (D) 1.5% under £1,000, 2% on £1k-£3k. (E) 1% interest after a year. | - How do I open more than one account with a bank? It varies & it's fiddly. You normally need to ensure you're meeting the minimum pay-in with each. Some accounts also require you to have direct debits paid from them.
- Some of these have huge best buy linked savings accounts? Yes. Santander 123 customers get access to its market-leading 2.3% 2yr-fixed cash ISA. First Direct has a 6% regular saver you can put up to £300/month in.
- Switching now takes seven days. Your direct debits & standing orders are now switched for you within a week, and any payments to your old account are auto-forwarded for the first 13 months. See 7-Day Switching Info.
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| Domino's 2for1 till Sunday. Delivery or collection. Plus 2for1 (buy a side) at Pizza Hut Del until 20 Apr. Pizza Deals Create your own XL poster for £8 (RRP £28), and more photo codes...
£8 XL poster all-in (RRP £28) code for c.100cm x 75cm poster | 96-page hard cover photo book £19 norm £75
Big 40cm x 60cm canvas (A2ish) £15 norm £63 | 'Free' 18"x12" poster (you pay £2 p&p) | All Photo Deals M&S sale boosted - now up to 60%. 1,000s of men's, women's, kids' & home items. In-store & online. M&S Deals. New cheapest fix energy deal - could save £190/yr. First Utility's new iSave Fixed May 2015* is, on average, the cheapest fix around & could cut bills of someone with typical usage on a standard tariff by £190 a year. To see how it stacks up for you, use our Cheap Energy Club Top Pick Fixes Comparison (which can also give £30 cashback). |
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2 specs £23 | Designer prescription sunnies £19+. Combine daily deal and 2for1. Use code for sunnies. Glasses "My husband had no idea he qualified for a free TV licence until your email yesterday. Now we're getting 3yrs' fees refunded - £400+." - Quote of the week. See our full 50 Over-50s MoneySaving tips. Tesco shopper? Max its new Fuel Save scheme. This gives 2p/litre off for every £50 spent. Up to 10 can be combined for 20p/L off. While it's a smaller discount per spend than before, it's more consistent. Full info: Tesco Fuel Save |
£4,000 cashback on solid wall insulation & more
The Govt has massively boosted its Green Deal home efficiency cashback, eg, £650 on double glazing (was £320) The Govt's Green Deal is a good idea, poorly executed. It lets you pay for home energy-efficiency measures from 'savings' made on energy bills. A big sweetener is you get cashback for doing it. That's been boosted as takeup's been low. Yet it's little-known you can get cashback without getting the loan. Full help in our updated Green Deal Mythbuster, incl...  Green Deal basics - a loan, Jim, but not as we know it. The main premise is you get a loan to pay for energy measures, repaid from the 'savings' on your energy bills as your home's more efficient. Usage may be £200/year lower, but your bill stays the same for a number of years as that £200 covers the loan, so there's no net cost and your home's improved. See Is The Green Deal Right For Me?- There's now BIG cashback, even if you don't get the loan. The Green Deal take-up's been so small, of the £125m cashback available when it launched in Jan 2013, over £122m is still left. So we presume this cashback boost is to kickstart people into using it. Yet even if you don't want the loan, you can still get cashback, which could be a huge boon (you'll have to factor in a c.£100 Green Deal assessment cost).
There are about 40 eligible Green Deal improvements. To get cashback, officially you'll need to agree an improvement plan by June (but it may extend this). There's cashback on many Green Deal measures, but not all have been boosted. We've a full cashback list, but the biggest rises are...
Solid wall insulation £4,000 (was £650) | Double glazing £650 (was £320) | Loft insulation £150 (was £100)
'Room-in-roof' insulation £1,000 (was £220) | Heating controls £100 (was £70) | Floor insulation £200 (was £150). back to top ↑ |
| £10 off £75 Morrisons wine code (10% for existing custs). Works on discounted items, min 6 bottles, eg, 6 x Hardys Crest reds were £11/bottle, now £5, plus code works on it too. Full info: Wine Deals. Be Drinkaware. CODES: Thorntons 20%, Boohoo 20%, Dorothy Perkins £5, etc...
Boohoo 20% off code MSE Blagged | Urban Outfitters 15% off | F&F Clothing 20% off women's code MSE Blagged
Asos Collection 20% via £1.80 mag | Thorntons 20% off | Dotty P £5 off £25 (£10 off £50) | All Discount Vouchers 'Free' £10 Helen E lipstick code (£2.50 p&p). 'Like' on Facebook. 1,000s available in 19 shades. Helen E Show Best Buys
Pay £5, get £10 Waterstones voucher. Via daily deals site, limited availability. Waterstones Deals ICICI Bank 24hr FLASH euro sale. Starting 10am Thu, ICICI Bank UK's boosting its euro, Turkish lira, Thai baht and South African rand 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. Pay off IN FULL each month to minimise interest or it's 12.9% rep APR. Full help & more tips: Cheap Overseas Cards (APR Examples) |
Free antivirus and office software
Don't pay big bucks for big brand software. Get legal, professional programs for nowt You can save £1,000s ditching big-name software for high-quality free alternatives. These tend to either be collectively written in 'open source' to take on the big boys, or are provided free as marketing for upgraded and corporate versions. Our Free Office Software & Free Antivirus guides have more than you can shake a, erm, memory stick at...  Free antivirus software. Without up-to-date protection, if you're defrauded, banks could argue negligence, leaving you liable. Luckily, a host of professional-level Free Antivirus Software is available, including crucial regular updates. - Free Office suite downloads. Our top pick LibreOffice has Word, Excel and Powerpoint equivalents and you can open most Microsoft-compatible files in them. OxygenOffice is another good bet for added extras. See Free Office Software.
- Free photo editing programs. Got a load of holiday snaps to show off? Download a free photo editing suite where you can crop, resize, touch up and polish your pictures before sharing them.
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| 17 veg seed packs £7.50 delivered. Usually £13ish. Includes tomatoes, peppers & courgettes. Get diggy with it Is your council tough enough on payday lending? Let us know & tell us what you want it to do. Payday Action
Show Best Buys |
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 MONEY MORAL DILEMMA
Should I secretly switch my husband's Shreddies to save cash?
This week's MoneySaver who wants advice asks... We're trying to cut back, so have been doing Martin's Downshift Challenge. When my husband refused to eat own-brand Shreddies because he "knew" he didn't like them, I switched the bags inside the boxes and wasn't surprised to find he didn't notice. I was planning a big reveal to show it's just brand snobbery, but I know he'll feel duped and refuse them on principle. Should I keep fooling him to save cash?
Enter the Money Moral Maze: Should I fool my husband to save cash? | Suggest an MMD | View Past MMDs BOOK GIVEAWAY
The Compass of Now. 25 blagged for MoneySavers. Did you get one? THE GREAT HUNT
Which clubs should you join to bag discounts and freebies?
Members of clubs and societies can often bag extra discounts and exclusive offers (eg, Martin's Money Tips subscribers get money for nothing and tips for free...). So we want to tap MoneySavers' collective knowledge on which clubs are worth joining and what the best discounts are. Share yours/read others': Joining clubs for discounts 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 2014 to 65 international destinations from 19 UK airports. There's no code to enter, the discount appears automatically. 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
Tricks to stop yourself spending
Our forumites have fantastic ideas to curb your spending, which include only spending cash and visiting the local farm shop to avoid impulse buys. There's also an old classic - leaving your wallet at home. back to top ↑ |
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Martin's blogs | Martin's appearances |
MSE team corner - Team appearances:
- No team appearances this week.
| Discussion of the week Bus driver rude over a £10 note One forumite used a £10 note on a bus and got short shrift for it. Should you get change before? Discuss this in the Bus driver rude over a £10 note thread. | Cheap travel money |
This week's poll: Should men still pay on a first date? Which of these options is CLOSEST to your view? | Poll resultsShould pre-nups be encouraged?
Single and divorced/remarried voters were much more keen on pre-nups than married MoneySavers.
- 54% of single women and 66% of single men think they should be legally-binding.
- 55% of divorced/remarried women and 65% of divorced/remarried men said the same.
- Only 34% of married women and 37% of married men agreed.
2,943 voted. See the full results. |
| Q: Can you claim money back if one of the stops on a holiday tour is removed from the itinerary at short notice? Christopher, by email. MSE Wendy's A: Just as with any service, a holiday tour must be provided with reasonable care and skill and all parts of the trip must match the description given by the operator. It's also an offence for an operator to provide misleading information. So most tour providers will now tell you before booking that an itinerary is "subject to change".
But you're perfectly entitled to ask for money back if you think there's a price difference between what you paid and what you got. If the missed stop was one of the main reasons you booked, you could also ask for money for loss of enjoyment.
If part of your trip was removed altogether, it's arguably less acceptable than if it was swapped for a comparable stop. But if a change is reasonable, not misleading and beyond the control of the tour company, it will be harder to get redress. Call your operator to tell it you're not happy and see if it's a member of a trade association, such as Abta, which can help solve disputes with its members. Please suggest a question of the week (we can't reply to individual emails). |
 Debs' free game of the week: Gridlock |
| If I were Chancellor, I'd...
That's it for this week, but as it's Budget day, let's celebrate with your suggestions of what you'd do if you had a red box. Whether serious or funny: If I were Chancellor, I'd... We hope you save some money, Martin & the MSE team |
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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?
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