| | MARTIN'S QUICK BRIEFING: For more tips, alerts & awful puns, follow Martin on Twitter Happy New Year! Save in a new 2.75% ISA
EVERYONE'S got a new tax-free savings allowance - take advantage  MSE Towers is strewn with party popper debris, (own brand) champagne corks and bunting after our new (tax) year do on Saturday night. Well, erm... OK, even we're not quite that sad. But for savers, there is something to celebrate.
Everyone in the UK over 16 now has a brand new £5,940 cash ISA allowance (or £11,880 in stocks and shares). Even if you opened one last week, the slate's wiped clean and you can do it all over again. Here are my 10 cash ISA need-to-knows.
| 1. | Cash ISAs are really simple. Don't be scared. I wish I could hypnotise people reading the words 'cash ISA' to instead just see:
"IT'S A SAVINGS ACCOUNT YOU DON'T PAY TAX ON."
Know this and it all becomes clearer. People wrongly say "I don't use a cash ISA as I don't want to lock my cash away," but it's just a savings account you don't pay tax on. As you don't have to lock cash away in a savings account, you don't have to lock cash away in an ISA.
- What's the tax gain? Earn £100 interest in a normal savings account and, if you pay basic 20% tax, you'd only receive £80 (£60 on 40% higher rate tax). In a cash ISA, as there's no tax, you keep the whole £100. So, as long as rates are similar, ISAs win and top ISA rates tend to be higher anyway.
- How long is it tax-free for? Once in an ISA, it stays tax-free, YEAR AFTER YEAR. So if you've big savings, you can gradually protect more and more of your cash from tax. If you'd started saving when ISAs were first introduced in 1999, you could now have £85,000+ in tax-free savings. | | | | 2. | Don't wait till the limit rises to £15,000 in July. Since Sunday, everyone's been able to put £5,940 into a cash ISA (£11,880 stocks & shares). Yet from 1 July, ISAs turn into new ISAs (NISAs) with a £15,000 allowance, which can be ALL in cash if you choose. Here are the two questions I'm most asked:
- If I open a cash ISA now, what happens in July? You'll then be able to top it up to the full £15,000 if you choose, and it'll all count as your 2014/15 allowance. See full NISA FAQs.
- Should I wait until July for higher rates? Many have asked in the hope there'll be better deals given the launch of NISAs.
Yet I doubt it'll be that hot. This ISA season (the time around April, when one tax year ends and a new one starts), we've seen virtually no uplift. Banks don't need savers' cash, as the Govt has helped them via Funding For Lending. So I wouldn't hold off.
Even if rates are a smidgeon better in July, it's safer to open a top easy-access cash ISA so you bag the gain now. You can transfer it to a better rate then (as long as that provider accepts transfers). | | | | 3. | Top 2.5% easy access cash ISA - withdraw whenever you want. All easy-access cash ISAs have variable rates, so do check regularly in case yours changes. Full info & best buys in Top Cash ISAs 2014/15 - but in a nutshell...
- Nationwide Regular Saver* 2.5% AER. (min £1 - no transfers). This new deal's designed for you to save in each month, but you don't need to as long as you've £1 in it. As the max monthly contribution's £1,250, if you've less, you can just dunk it in now as a lump sum. Even if you've a bit more, and drip-feed it in over 2 months, its much higher rate makes it worth it. The rate's likely to drop after a year, so you may need to ditch & transfer.
- Santander Direct 1.6% AER (min £500). Transfers allowed. The top straightforward deal. Yet the rate will likely drop in a year, so diarise to ditch & transfer then.
- Halifax* 1.55% AER (min £1). Transfers allowed. Of this, 1.3% is a bonus for a year, so you'll need to ditch and transfer then. Yet the big plus is meanwhile, it's effectively a strong rate assurance.
- Metro 1.65% AER (min £1). Transfers allowed. A good rate, but you need to open in a branch & they're only in London/SE England. Elsewhere, check credit unions & small building societies - some have high 'locals only' rates. | | | | 4. | Grab an up to 2.75% cash ISA fix - with access to your cash. Unless you'll definitely need the cash soon, you can earn more with a fixed-term, fixed-rate cash ISA. By law, they must let you access your cash, but can have strict conditions and charge penalties to do so. Let's get clever...
- Coventry BS's 4-year 2.75% fixed cash ISA (min £5,940 - no transfers) lets you withdraw early by closing the account. The penalty's a relatively low 120 days' interest. So close it after a year and you'd still effectively have got 1.85%, beating most easy-access deals. After 2 years, it's 2.3%, beating the best 2-year fix; after 3 years, 2.45%.
- Halifax's* fix is 2% AER for 18 months and 2.05% AER for two years (min £500 - transfers allowed). Santander 123 bank customers can earn more in a two-year fix at 2.3% AER.
- Newcastle BS's 5-year 2.75% fix (min £500), for those who want to transfer other ISAs in too, works in a similar way to Coventry. See Top Clever Fixed Cash ISAs for more options and full analysis.
All these fixes will allow you to top up to the new NISA limit in July. | | | | 5. | Top if you want to pay in each month - 3%. Regular saver ISAs pay higher rates than easy access, but they only allow you to put a limited amount in each month. Total returns when you drip-feed are lower than paying in one go as you only earn for part of the year on all but the first payment.
- Nationwide BS* pays 2.5% AER variable and lets you save up to £1,250/mth (you don't have to pay in every month) and withdraw anytime. The rate is likely to drop after a year, so you may to need transfer then.
- The Newcastle BS regular saver ISA pays 3.02% variable AER. If you make a withdrawal or fail to pay in the allowed £1 to £500 in each month, you'll only get 2% AER interest on the whole amount that month. The rate could change any time, so keep an eye out & ditch if necessary. | | | | 6. | Get 5% interest on your ISA money now... While ISA rates are higher than normal top savings rates, some bank accounts have launched rates as high as 5% to persuade you to switch to them. So the question I'm peppered with is: "Should I use a cash ISA when bank accounts pay more even after tax?"
In a nutshell, cash ISAs give the long-term gain of protecting your money for years to come, bank accounts offer the short-term benefit of a higher rate. For full analysis, see my ISAs vs high-rate bank accounts blog. Yet there is a way to get the best of both worlds. - Step 1: Shove cash into a high-interest bank account. Provided the after-tax savings rate beats the ISA you'd chose, put the money into the high-paying bank account. Here are the top payers.
| THE TOP CURRENT ACCOUNTS WITH IN-CREDIT INTEREST | | Current account | In-credit interest (AER) | After basic tax (1) | After higher tax (1) | Max post-tax interest/yr (2) | | Santander 123 (3) | 3% on whole amount if you’ve £3k-£20k. Plus up to 3% bills cashback. | 2.4% | 1.8% | £450 (after fee) | | Club Lloyds | 4% on whole amount if you’ve £4k-£5k. | 3.2% | 2.4% | £157 | | Nationwide FlexDirect | 5% up to £2,500 for 12 months, 1% after. | 4% | 3% | £98 (year 1) | | (1) At the highest rate paid. (2) Estimated if you always held the max balance or more. (3) Has £2/mth fee, but for most, cashback more than covers it. | - Step 2: Use the cash to open an ISA on 31 March 2015. One week before the tax year ends, just move the cash out of the bank account and open your ISA to fill the allowance.
This way you get the short-term higher rate, but you don't lose your ISA allowance. While we're talking alternatives: if you've debts, also read my Repaying Debts vs Saving and Overpaying Mortgages vs Saving guides. | | | | 7. | Urgently check your old cash ISA rates - they could be just 0.1%. If your rates are poor, you've a RIGHT TO TRANSFER to boost them. I'd suggest consolidating them in one, as combining new & old together makes the process of transferring them again, when needed next time, easier.
In the best buys above, I've pointed out which allow transfers. To do this, be careful you don't withdraw the cash, as it'd no longer be in an ISA. Tell the new provider to transfer it for you. Our ISA Transfers guide has full options. | | | | 8. | What happens if I take cash out of an ISA? Some people mistakenly think you then have to give the tax back or something. That's nonsense. You take the cash out, then you can spend it or save it elsewhere.
The ISA limit's based on what you put in, not what you take out. With this year's post-July £15,000 limit, if you put in £10,000 then took £3,000 out, you can only put £5,000 more in. The fact you withdrew some is irrelevant. | | | | 9. | New junior ISA & Child Trust Fund (CTF) year too. All under-18s have a new 2014/15 tax-free savings allowance too. Those born between 1 Sep 2002 and 2 Jan 2011 get a Child Trust Fund; those older or younger, a junior ISA (savings CTFs can be transferred to junior ISAs from 2015).
The new limit is £3,840, though like the grown-up version, this'll also rise on 1 July, to £4,000. Yet getting these accounts for your kids is less clear-cut, as children tend not to earn enough to pay tax anyway. Full info & best buys: Top Junior ISAs, Child Trust Funds and Top Children's Savings. | | | | 10. | Are my savings safe in an ISA? Provided it's in a UK-regulated financial institution (all ISA providers we've mentioned are), ISAs are protected like normal savings. In other words, in the unlikely event the bank, building society or credit union went bust, you'd get up to £85,000 back per person, per institution. See Savings Safety for more. | | | | COMING NEXT WEEK: TOP STOCKS & SHARES ISA PROVIDERS. Our brand new guide to the cheapest way to invest in stocks & shares ISAs. | |
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| Wed 9 Apr 2014 |
B'band & line rent equiv £13/mth + £120 Amzn vch (if line rent paid upfront)
Hottest deal for a long time. Most people pay around £16/mth for line rent ONLY, so some can save £100s a year Phone and broadband have become substantial utility bills - check yours, many people typically pay £300+ a year before calls. This deal is ridiculously cheap in comparison. Full help in our Cheap Broadband guide, here are the new deals...  £120 Amazon voucher on hot broadband & line rent deal. MSE Blagged. Officially just for existing EE* contract or PAYG mobile custs new to its broadband, yet as we'll explain in a moment, there's a way for anyone to grab it. Until Wed 16th, on a 1yr contract, you get:
- Compulsory line rent: You pay £15.40/mth. But we suggest, if you can afford it, you opt to pay £132 for the year upfront during the sign-up process (equiv to £11/mth).
- Unlimited broadband: Just £2/mth, so £24 for the year (avail to 85% of UK - click link to check). Note that after the first year the price will rise, so check then if you can get cheaper elsewhere.
- Call costs: Weekend calls to landlines are included, other costs mostly on a par (or a touch more) with BT.
-You get a £120 Amazon voucher after 3mths. Sent automatically, if you go via this EE deal* link and use code EEHBB120 to get the voucher (the voucher code also works on fibre optic deals).
Analysis: This is staggeringly cheap. Excluding calls, pay line rent upfront + broadband, and the year's cost's £156, equiv to £13/mth (pay line rent monthly, it's £209 - £17.40/mth), plus £120 Amazon voucher. If you were going to spend that at Amazon anyway, factor it in and it's effectively just £36 over the year, so equiv £3/mth (£89 a year or equiv £7.40/mth).
Need a new line? If you don't have a line (or only have a cable one), installation's £60.
How to access it if you're not with EE. To count as an EE customer, you just need an active PAYG Sim. They're available for free, but you must top up with £10. As long as you call once every three months, it's valid. For full step-by-step help, see our full How To Count As An EE Customer info.- £50 Love2shop voucher on cheap broadband & line rent deal. MSE Blagged. If you're not an EE cust and don't want the faff of getting a free Sim, from 11am Thurs, new TalkTalk customers can get a £50 Love2shop voucher on its cheap broadband and line rental. See full TalkTalk Deal info in our Cheap Broadband guide.
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| Body Shop 40% off (almost) EVERYTHING code (incl 50% off sale items). Till Tue 15th. Use code 14315 at The Body Shop* or say it in-store for 40% off everything but gift cards & charity items, eg, £13 body butters for £3. Delivery's £2.99. See Body Shop Deals. £49 Beats Dr Dre HD Headphones. Can you find 'em? V limited stock, in-store only. £100 elsewhere. Dr Dre New. Lowest fee 0% debt shift. Accepted new Tesco* cardholders can balance transfer debts to its 12mths 0% deal for a fee of just 0.65%. If you need longer to clear the debt, Barclaycard* is 31mths 0% with a 2.99% fee or Lloyds* is 24mths 0% with a 1.5% fee. With all of these, ensure you clear the debt in time or shift again, or the rates jump to 20.6%, 18.9% and 17.9% representative APR respectively. FULL best buys & alternatives in Best Balance Transfers (APR Examples). Which card's most likely to accept you? Most top cards are in our Balance Transfers Eligibility Checker (not Tesco, sadly). Students SIX months' free Amazon next-day del. Huge six-month trial. See Amazon Deals. |
New. Cheapest energy tariff this year
Finally, small firms are taking on the big 6 with cheap deals, incl a sub-£1,000/yr for a typical household
We're heading to summer, but that doesn't mean you can forget about energy bills. Many cheap tariffs aren't around for long, so when they launch, pounce. Our Cheap Energy Club will take you through it, but here are the headlines...
- New cheapest tariff - save £180/year. This morning (Wed) at 10am, Ovo Energy launches its one-year Cheaper Energy Fixed* - meaning the rate you pay will not rise for that time. This is the cheapest tariff we've seen in 2014, getting onto £180/year cheaper than an average standard tariff for someone with typical usage. All these tariffs are available for dual fuel or electricity only.
NEW TOP PICK TARIFFS ON TYPICAL USAGE
Full top fixes comparison to find YOUR actual price for dual fuel | | Fixed until | Exit fee | Cost/yr | Service feedback (1) | | Someone on an average big six standard tariff (2) | - | - | £1,180 | | | Costly standard tariff (3) | - | - | £1,300 | | | New - Cheapest tariff: Ovo Cheaper Energy* (4) | 1 year | £30/fuel | £998 | 477 people, 87% say good | | Cheapest no-exit fee fix: Flow Energy (5) | 31 Aug 2015 | None | £1,010 | Limited: 57 people, 46% say good | | Cheap longer fix: EDF* | 31 Jul 2017 | None | £1,210 | 1,470 people, 60% say good | | Longest cheap fix: Npower Price Protector* | 31 Mar 2018 | None | £1,250 | 1,020 people, 25% say good | | All based on Ofgem typical usage, varies by region. (1) For each provider, not tariff, based on MSE poll of 8,950 people in Oct 2013. (2) Estimated average tariff across big six. (3) Npower, non-direct debit. (4) and (5) Direct debits taken in advance. All others monthly direct debit cost. Source: MoneySupermarket.com. | - ALWAYS compare and get £30 cashback. These are AVERAGE prices for typical usage. Your exact winner and saving depends on your usage and where you live. Use our Cheap Energy Club Top Picks Comparison and it'll give you bespoke results for these tariffs (or all tariffs if you prefer), plus you'll usually get £30 dual-fuel cashback.
Uniquely, Cheap Energy Club then monitors your tariff and alerts you if it's time to switch again. Alternatively, more cashback deals in Cheap Gas & Elec.
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| £50 of plants £15 delivered. MSE Blagged. Eight new shoots, incl dianthus & hydrangea. 5,000 avail. Garden Deals THREE £10 Fairy Liquitabs boxes £12. Get 90 laundry tabs for £12 combining in-store promos. Fairy nuff
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| EASTER HOLIDAY DAYS OUT DEALS... incl 2for1 theme parks
Merlin theme parks 2for1s, eg, Alton Towers | Ripley's Believe It or Not £42 fam ticket | Bournemouth Oceanarium 30% off
Free bike workshops Halfords | Drayton Manor 2for1 | 'Free' kids craft box subscription offer | Table Table kids eat 'free'
ALL Easter Deals Exclusive: Nectar pts on train tix. We've been tipped off that tomorrow, Nectar'll announce if you buy train tickets from First Group (incl Capital Connect, Great Western, ScotRail), you'll usually earn 2pts per £1, and 4pts per £1 from 14 Apr - 27 Apr, so you may want to wait until then to buy an advance ticket. Nectar Deal |
"I won £20,000 and a BMW - I thought I was going to be sick"
Turn up the gain with our 40+ insider 'comping' tips. Master the art of entering contests as a cash-boosting hobby Comping's where entering competitions gets serious. It's a potentially profitable enterprise which can help supplement your income. Yet there are no certainties, so see it as a hobby with benefits. See 40+ Comping Tips, here's winspiration...  WON - £20,000 & a BMW. luckystar101 just smashed forum records: "In shock. Just found out I won £20,000 and a BMW. Was shocked when he said £20,000, but when he added the car, I thought I was going to be sick." All this after entering a free TV comp.
This follows PINKTEEGAN's win the week before: "Just won a £10k wedding, incl a honeymoon in Dubai & platinum rings. Whoooo." See her full story. - 40 winning comping tips. To show the techniques we're talking about, here are five to get you thinking.
- Turbo-charged comping. Form-fill at speed, generate tie-breakers & enter answers quickly with comping tools.
- Enter premium-rate TV comps FREE. Many pricey telly contests are free online (see luckystar101 above).
- Systemise it. Don't just enter the odd comp, follow a structured system to find & enter max number in min time.
- Earn from your sofa. Prefer certain profit? See Earn Cash Online to get paid to watch videos, Google & more.
- Join the MSE comping team. On the Competitions board, you post contests, enter others' contests & cheer when fellow compers win, bringing the hobby to life. back to top ↑ |
| COUPLES' railcard - Two Together for £27, code reminder. We've a code for the first new railcard in 30 years. Two people get 1/3 off rail tickets, eg, on one journey, if a ticket's £42+, you save. Info & code in Two Together. Travelex Easter FLASH sale. It's boosting euros: Fri 11am-1pm. All others: Thu 11am-1pm. Use our Travel Money Comparison to see how it stacks up. Though long-term best practice is to grab a Halifax Clarity* credit card. It's load-free worldwide, meaning it gives you near-perfect exchange rates, smashing bureaux de change, and has low ATM fees. Pay off IN FULL each month to minimise interest or it's 12.9% rep APR. FULL info Cheap Overseas Cards (APR Examples).
Show Best Buys
Aldi £5 off £40, Laura Ashley and Nike extra 10% off sale...
Codes/vouchers: Bonmarch頲0% off | The Works 30% off Blagged | Aldi £5 off £40 vch in paper | Nike extra 10% off sale
Automatic: Topman extra 10% off sale | Laura Ashley extra 10% off home sale | All Vouchers and Sales Crocs £10 (usually £30) and £6 for kids. Limited stock in-store. See TKMaxx Deals. |
The New Tax Year checklist
The tax year runs from 6 April to 5 April each year - so we're 4 days into 2014/15. - Income tax calc: All change for tax. You can now earn £10k before paying it. What will you take home?
- Check your tax code: Everyone's got a new tax code. Check yours is right with MSE's free Tax Code Calculator.
- State pension up £2.95/wk, but are you due more? See our State Pension guide. Plus are you due Pension Credit?
- Benefits up with inflation - what are you due? Are you claiming what you're entitled to? 10-Min Benefit Check
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| London Marathon runners' freebies: Free burger & prosecco at GBK, free burger at Meatliquor, free main at Mayfair Pizza Co. See ALL Marathon freebies (surely a Snickers would be appropriate too). Show Best Buys |
| Show Vouchers and Top Deals |
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 CAMPAIGN OF THE WEEK
Did your letting agent break new rules?
Since November 2013, all letting agencies in England, Wales and Northern Ireland should be including info on upfront fees in their ads. If you've recently rented, did your agent's ad include its fees for credit checks, reference fees and admin charges? If not, tell housing charity Shelter - in confidence - and it'll let the authorities know. Or tell the MSE Forum, and we'll share with Shelter. MONEY MORAL DILEMMA
Should I still pay my cleaner when I can't give her work?
This week's MoneySaver who wants advice asks... We have a cleaner that comes every other week for three hours. As I'm working from home for a month, there's no available time for her to come round so I'd need to cancel her hours. We don't have a regular contract to pay her, but feel slightly bad cancelling her hours completely as she needs the income. Should we cancel her hours or pay her anyway? Enter the Money Moral Maze: Should I pay my cleaner when I can't give her work? | Suggest an MMD | View Past MMDs THE GREAT HUNT
What are your new tax year's resolutions?
It's a new tax year, so what are you doing to mark it? Are you going to start saving into a new ISA, making a budget and sticking to it, or reclaiming what's owed to you? Share yours/read others': New tax year resolutions 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 until October to 70 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
MoneySaving while job hunting
Last week, we asked for tips on saving cash while hunting for a new job. Picking up cheap formal clothes for interviews in charity shops was one tip, along with free help to polish up CVs and using libraries and jobcentres for phone calls, newspapers and printing. back to top ↑ |
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Martin's blogs | Martin's appearances 10 April
Daybreak, ITV, 7.35am-7.45am.
Deals of the Week. | 10 April
Shelagh Fogarty, Radio 5 Live, 12pm-1pm.
Consumer Panel.
Subscribe to the podcast. | |
MSE team corner - Team appearances:
- No team appearances this week
| Discussion of the week Reducing food costs Can you help a forumite save money on food? Join the Reducing food costs discussion, where bulk-buying staples and growing your own veg are among the suggestions. Why not share your hints and tips? | Cheap travel money |
This week's poll: What wouldn't you downshift on? Which of these 18 common downshifts WOULDN'T you skimp on? (Only vote on items you buy.) | Poll results Should inheritance tax be scrapped?
Most voters want to see the end of inheritance tax.
- 59% said inheritance tax should be scrapped.
- 18% said it should be kept - but only for the very rich.
16,803 voted. See the full results. |
| Q: I read you can now take all the money out of your pension from next year. But what will I pay to do this? Stuart, by email. MSE Amy’s A: You read correctly. The Chancellor's Budget back in March announced some of the most sweeping changes in pensions for years. From April 2015, as well as being able to take 25% of your pension savings as a tax-free lump sum at 55 as you can now, you’ll also be able to access the rest when you need it. You'll pay standard income tax when you draw that money out. So if you're a basic-rate taxpayer, you'll pay 20% tax. You need to be clever with how you take the money, as withdrawing a large lump sum, for example £150,000, all in one go would tip you into the 40% tax band. Instead, you'd be better to withdraw just up to the 40% band (c.£42,000) each year until you'd taken it all. The new pension rules are still under consultation, and it's likely there'll be some fees charged by your pension provider when these are decided, but we don't know what they'll be yet. So make sure you check any charges with your own pension provider before you do anything. Please suggest a question of the week (we can't reply to individual emails). |
 Free game of the week: Bubble Shooter |
Find your life's official theme tune That's it for this week, but before you go, have you ever wondered what the theme tune to your life would be? Apparently, it's the song at number one in the US on your 14th birthday. Discover yours now. We hope you save some money, Martin & the MSE team |
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