| | MARTIN'S QUICK BRIEFING: For more tips, alerts & awful puns, follow Martin on Twitter Last chance: Cash ISA year ends SAT
Got savings? Get up to 2.75% TAX-FREE interest. Use it or lose it The tax year ends this Sat 5 April, so there are only days left for any UK over-16 to use their £5,760 tax-free cash ISA 2013/14 savings allowance (or up to £11,520 for stocks and shares ISAs). Don't let ISAs scare you. I wish I could hypnotise people reading the words cash ISA to instead just see: "A SAVINGS ACCOUNT YOU DON'T PAY TAX ON"
Like normal savings accounts, there are easy-access ISAs, which let you withdraw cash at no notice or fixed ISAs, where you lock away for higher rates. | 1. | Why your money's nicer in an ISA. The gain's simple. Earn £100 interest in a savings account and, after basic tax, you only receive £80, after higher rate £60. In a cash ISA, you keep the whole shebang, £100. So, as long as rates are similar, ISAs win and top ISAs tend to beat top savings anyway. | | | | 2. |  Why do it NOW? Once money's in a cash ISA, it stays tax-free YEAR AFTER YEAR. So, if you've savings, filling up your ISA annually protects evermore. Some who've used every year's allowance have over £80,000 tax-free savings.
If you've not opened a cash ISA since last April, you've until just before midnight chimes on Saturday night, but for less risk don't delay, do it now. Even if you're not close to filling this year's never mind next, use this year's allowance while you can, in case you get an unexpected windfall next year. | | | | 3. | Top 1.6% cash ISAs if you want to be able to access your cash. As cash ISAs are just "a savings account you don't pay tax on", like normal savings, there are easy-access cash ISAs where you can put cash in today and withdraw it when you want.
- Santander's 1.6% AER variable Direct ISA (min £500) lets you put new money in and transfer old ISAs to up the rate.
- Nationwide (min £1, no transfers) is also 1.6% AER variable. New customers will need to apply in branch.
- Halifax (min £1 - allows transfers) is 1.55% variable. Of this, 1.3% is a bonus lasting a year, so you will need to ditch & transfer then. Yet the big plus is meanwhile it's effectively a strong rate guarantee.
Deadlines: Assuming your bank does 'faster payments' for bank-to-bank transfers (all main ones do), apply & pay in online with Santander till 11.59pm Fri & 11:59pm Sat for the others. Or go in branch if they're open. | | | | 4. | Yet most should grab up to 2.75% cash ISAs. Unless you KNOW you'll need the cash soon, there are far better deals than easy-access. Manipulate 'em and they still let you access the cash when you want.
Like all fixed rates, the Coventry BS 3-year 2.75% cash ISA (min £5,760 - no transfers) is designed for locking cash away. Yet it allows you to close the account and withdraw early for a low penalty, just 120 days' interest.
A number crunch shows if you withdraw after a year, you'd effectively have got 1.85%, beating the best easy-access deals. After 2 years it's 2.3%, beating the best 2yr fix (except for Santander 123 customers).
If you want to transfer or have less to save, see our other Top Manipulatable Fixed Cash ISAs for a full breakdown.
| | | | 5. | Are ISAs worth it if bank accounts pay 5% interest? While cash ISAs easily beat top normal savings, some bank accounts offer up to 5% savings as loss-leaders. Yet you still need to balance the long-term gain of building up ISAs v the short-term gain of bank accounts. Full analysis of pros and cons in Martin's Santander 123 v Cash ISAs blog. | | | | 6. | Consolidate old and new ISAs to boost rates. Many old ISAs now pay appallingly low rates - check yours now. But you've a RIGHT TO TRANSFER to boost them. Combining new & old together makes the process of transferring them again in future much easier.
Our ISA Transfers guide has full options. Don't withdraw the cash though, as it'd no longer be in an ISA. Tell the new provider to transfer it for you. | | | | 7. | You get a NEW £5,940 cash ISA allowance Sun 12.01am. The brand new ISA year starts Sun, that means EVERYONE gets a brand new, bigger cash ISA allowance of £5,940 (up to £11,880 stocks and shares) to use then. The earlier it's open, the earlier your savings are tax-free.
 | BOOKMARK OUR TOP CASH ISAS GUIDE. IT'LL AUTO-UPDATE AT 00.01 THIS SUN 6 APRIL WITH THE NEW 2014/15 BEST BUYS. |
There's nowt stopping you opening this year's ISA today, and next year's on Sun, protecting nearly £12,000 from the taxman in a week. | | | | 8. | New NISA £15,000 cash ISA allowance. From 1 July ISAs turn into new ISAs (NISAs) with a £15,000 allowance, which can be ALL in cash if you choose. There's no need to wait though - you can open a new 2014/15 ISA on Sun, then top it up to £15,000 from July. See full NISA FAQs. | | | | 9. | WARNING: Beware ISA direct debits. If you've an ISA direct debit, unless you want to keep using the same ISA next year, STOP IT NOW. Even if it just makes one payment after 6 April, technically you've opened a new year cash ISA and can't choose a different one without transferring. | | | | 10. | Struggling to get it in? Just put it anywhere. Not a rule for life, just for ISAs. If you miss the best buys or want to be safe about getting the money in, just open your own bank's easy-access ISA, even if the rate's crappy. Once open, you've a right to do an ISA transfer to up the rate. For help, see our full bank-by-bank cash ISA deadlines list. | | |
While I've focused on cash ISAs as that's our speciality, it's also the stocks & shares ISA deadline and Junior ISA deadline. Click the links for more.
Want to ask me (Martin) a cash ISA question? I'm doing a 20min Twitter clinic via @MartinSLewis at 3:30pm Wed. I promise to answer all ISA qs asked.
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| Wed 2 Apr 2014 |
Reclaimed PPI - did your bank UNDERPAY you?
If Barclays, Lloyds or RBS/NatWest offered you a PPI refund on a LOAN from 2012, you may be owed £100s moreWe've been at the forefront of PPI reclaiming on loans, credit cards & more since 2007, with 5m+ of our template letters now downloaded and possibly billions reclaimed (see Reclaim PPI for FREE). Yet we've now discovered big banks sometimes underpaid by around a third. Therefore some who've already been repaid are due £100s or £1,000s more.  Who's likely to be affected? It's only for loan PPI reclaims from 2012 and mainly Barclays, Lloyds Group (incl Halifax, Black Horse) and RBS group (incl NatWest), though it can be others. It's mainly for those who got an offer from the bank and didn't go via the Ombudsman.- What's the problem? Some people only got partial refunds, because lenders treated them as if they'd been sold the wrong type of PPI rather than completely mis-sold PPI.
They gave them 'comparative redress' - a partial payment for those who had to pay all the PPI upfront (called a 'single premium'), rather than getting charged monthly. See Comparative Redress info for more. - Two checks to see if you're affected. First let's see if you were given 'comparative redress'. Look for that phrase on your offer letter or others like 'changing to monthly cover', 'alternative redress' or 'it'd cost £9 for every £100 of your monthly repayment'. If you're unsure, just call and ask: "Did my offer contain comparative redress?"
If it did, these comparative redress payments are for those who the banks think still needed PPI but had the wrong type. So if they did that to you, but you didn't need it, complain. Examples include you already had cover from work or savings to cover it; you repaid the loan early; or you refinanced, so there was no need for loan insurance. - Reclaim on your reclaim. If this fits, call your bank to challenge its decision. If you don't get anywhere, remember the free Ombudsman service can usually adjudicate if your bank won't play ball. Full Reclaim Your Reclaim help.
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| 90 hayfever tablets for £5 (incl del). Save £100s with generic equivalents of big brands. Cheap Hayfever Tablets FREE (up to £700) insulation installed + free £50 Argos/J Lewis + poss £150 towards loft clearance. A reminder, this is available to ANYONE in an eligible home. The insulation & installation alone are valued at £700 by the Energy Saving Trust. Plus we've blagged you a £50 gift card valid at Argos, Toys R Us, etc. FULL info: Free Insulation Can you slash rent by 60%+ by becoming a property guardian? Get cheap rent in return for babysitting empty properties to deter squatters, eg, £350/mth in London, £250/mth elsewhere. Buildings incl mansions & monasteries. Property Guardians Free Ben & Jerry's ice cream. Grab one on Tue 8 Apr at locations UK-wide. Free Cone Day What have we (MSE) got to do with Mighty Deals? NOTHING. We've even more emails from folk confusing us, MoneySAVINGexpert with Mighty Deals, owned by MoneyExpert. Here's 60 seconds on MoneySavingExpert & Mighty Deals. |
New. 4% easy-access savings - via your bank account
Lloyds launches the latest loss-leading 'bank savings' deal, paying 4% on up to £5,000 (highest fee-free amount) Bank accounts were once the worst place to stash cash, paying diddly-squat. Yet with savings rates at all-time lows, they've seen an opportunity to use high rates to flog current accounts. Lloyds is the latest, giving 4% on a decent £5,000, the most for a fee-free account. Switching's easy, now taking 7 working days. See Best Bank Accounts for more - at a glance... 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 (1) | Intro bonus | Min monthly pay-in (2) | Most accounts you can hold? | | Santander 123 (3)* | 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) | | New. Club Lloyds* | 4% on whole amount if you've £4k-£5k (4) | £157 | - | £1,500 | 2( 1 must be joint) | | Nationwide FlexDirect* | 5% up to £2,500 for 12 months, 1% after | £98 (year 1) | - | £1,000 | 2 (1 must be joint) | | Clydesdale Direct* | 3.83% 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) | | (1) Estimated post basic tax interest, if you always held the max balance or more. (2) For most, this means pay in monthly income, if it's higher. (3) 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. (4) 1% under £2,000, 2% on £2k-£4k. |
Frequently asked questions on 'bank accounts as savings'
Q. Which one's right for me? A. Cover as much of your savings as you can at a high rate, eg, on £5k, Lloyds 4% beats Nationwide's 5%.
Q. How much should I keep in there? A. You don't get penalised for going over the max. Eg, with the new Lloyds account if you've £6,000 in it, you still get 4% on £5,000, just nowt on the rest. The aim's to keep a constant balance above £4,000 (the amount where you start being paid the highest rate), so, for safety, effectively consider £4,100 as your zero figure.
Q. How do I open more than one account? A. It varies & it's fiddly. You normally need to ensure you meet the minimum pay-in with each. Some accounts also require you to pay direct debits from them.
Q. Don't some have huge best-buy linked savings accounts? A. Yes. Lloyds customers can put up to £400/mth into a 4% regular saver, First Direct up to £300/mth in a 6% regular saver & Santander 123 customers get its 2.3% 2yr fixed cash ISA. back to top ↑ |
| The Great Tesco £1 Clothes Hunt - cashmere cardies, sparkly stilettos, jeans & more. Can you find 'em? Income tax calc 2014/15. New tax year starts Sun - £10,000 personal allowance. How much will you take home? SALES CODES: Asos extra 10% off, House of Fraser £5, Tesco Direct £20 off £150...
Full price & sales: HoF £5 off £30 | T.M.Lewin 20% off MSE Blagged | Asos 10% off (sale only) | Tesco Direct £20 off £150
Full-price only: Dorothy Perkins £5 off £30 | Shoeaholics 30% off | Matalan 20% off code | ALL Discount Vouchers 10,000 free Grand Designs Live tix. Code gets up to two London show tix. Usually £12-£19. Grand Designs Show Best Buys |
New. 18mths 0% spending + up to 3% cashback
Interest-free borrowing for a year and a half as credit card price war hots up, if you do it the right way... Credit cards are the cheapest way to borrow, done right, and the costliest done wrong. Never use them as a willy-nilly way to fill income gaps. Yet if planned & budgeted for, the Top 0% Borrowing cards are interest-free and give perks on top. - New. 18 mths 0% + up to 3% cashback. The Santander 123* card was already a cashback best-buy as it pays 3% back on fuel/rail (max £9/mth); 2% in department stores; & 1% in supermarkets. Now accepted new cardholders get 18mths 0% spending too (and existing cardholders will be offered it). The 'but' is a £24 annual fee, so it's only for big petrol spenders - unless you're a Santander 123 bank customer, a best-buy itself due to its cashback on bills & decent savings interest. Here's how it compares.
| TOP 0% SPENDING CREDIT CARDS | | Card | Spending deal | Spending perks | Fee | Rep APR after | | Tesco* | 18mths 0% | 1 Clubcard pt per £4 spent | - | 18.9% | | New. Santander 123* | 18mths 0% | Up to 3% cashback on spending | £24/yr (1) | 12.7% (16.5% incl fee) | | Santander* | 18mths 0% | - | - | 18.9% | | Sainsbury's* | 16mths 0% | 1 Nectar pt per £5 spent | - | 16.9% | | M&S* | 15mths 0% | 0.5% back in M&S points | - | 16.9% | | Sainsbury's* | 6.9% APR long-term (2) | 1 Nectar pt per £5 spent | - | 6.9% | | (1) Refunded in year 1 for existing 123 bank account customers. (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. | - Will you be accepted? The only way to find out is to apply, and each credit check can have a minor impact on your credit file. So first use our 0% Spending Eligibility Checker, which shows the cards you're most likely to get.
- Always obey the 0% golden rules. a) Pay at least the monthly min or you may lose your 0% deal. b) Always aim to clear the card or Balance Transfer before the 0% ends or the rate jumps. c) These rates are only cheap for spending, not shifted debts. d) Don't withdraw cash - it's costly and hits credit scores. See APR Examples.
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| Ends Sat. M&S sale boosted to up to 70%. 1,000s of men's, women's, kids' & home items. M&S Deals Ends Mon: £25 cashback on £1,000+ 5.7% 'savings'. You can get £25 cashback if you put £1,000 in via the right link to peer-to-peer firm Ratesetter. Your money's then lent out so you're effectively 'saving' at 5.7% for 5 years. It can work well, but the risks are greater than normal saving, and you must understand them first. FULL info: Peer-to-Peer Saving |
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| Hotel codes for UK & world: Expedia 10% & Hotels.com 10%. The Expedia code now lasts until Thu, Hotels.com for the next 2 weeks. They work on 100,000s of hotels worldwide. Hotel Codes Martin's 'what kids want to know about money' podcast. Last Thu, Martin's regular 5 Live consumer hour invited a group of 11-16s to put their questions to him - an interesting experiment. Listen to the podcast. Related: Free Teen Cash Class PDF. Also see MSE's Financial Education section. £1 kids' book sale (+ £3 teachers' books), incl Horrible Histories. Min spend £10, del £3. Scholastic |
Get the purrfect pet insurance deal
It's 'National Pet Month' (seriously), so banish barking vets fees with our system to cut the cost of pet insurance It's the time of year you've all been waiting for - National Pet Month - woo hoo. No, we don't get these 'months' either, but we're leeching on it as a good opportunity to update our Cheap Pet Insurance guide. With mending a cat's broken leg alone costing up to £2,000, we've updated it with all the latest deals. So if you've got or need insurance, here's a taster.  Speedily find the cheapest cat and dog cover.
Step 1. Combine comparisons: Visit Gocompare* & Compare TM* to find the cheapest.
Step 2. Check deals comparisons miss: Some big insurers or hot deals don't appear on comparison sites. So check Direct Line* too (which gives 15% off if you insure 2+ pets) and Aviva* (additional 10% off if you cover more than one pet). - More exotic pets? Look past the mane-stream.
Here you need to manually get quotes:
Horses & ponies: Try Petplan Equine*, Animal Friends* and NFU Mutual.
Snakes, tarantulas, etc: Exotic Direct* (as the name suggests) is the specialist.
Rabbits/budgies (going cheep)/chinchillas: Exotic Direct*, Quotezone*, Petplan* & Helpucover*. - Paws for thought - do you need cover? Insurance isn't the only option. You can self-insure, building up savings just in case. The key's dispassionately considering what your attitude would be if your pet was ill and you couldn't afford to pay. This dictates how important cover is. Receive benefits? PDSA may help with vets' bills.
Got a dog? You NEED third-party cover. Cats are 'free spirits', so you're not liable if they damage property or people. Dogs aren't, so ensure you've third-party cover (check your policy). If not, The Dogs Trust is £25/yr. - Beware switching if your pet has pre-existing conditions. Conditions claimed for before may be excluded from your new policy. So if Fido's had an illness treated already, new insurers might not include the same condition.
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| Flood victims' grants. Up to £5,000 flood proofing grants are now available. See 60 Seconds on Flood Grants. Code gets 96-page hard cover photo book for £19 (RRP £75). MSE Blagged. See Bonusprint Deals 25% off London Midland & Southeastern off-peak trains. Eg, £5 B'ham-London single. Train Deals
Show Best Buys |
| Show Vouchers and Top Deals |
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 MONEY MORAL DILEMMA
Should I sell an unwanted present for big bucks?
This week's MoneySaver who wants advice asks... A friend recently bought me an old clock from a car boot sale, which is now sitting on my mantelpiece. My antiques geek brother says it's worth £100s, and I could use the extra money. Should I sell it and split the cash with my friend, or just quietly sell and keep the money, so I don't offend her? Enter the Money Moral Maze: Should I sell an unwanted present for big bucks? | Suggest an MMD | View Past MMDs THE GREAT HUNT
MoneySaving while job hunting. Revisited
Whether you have been, are or could be unemployed, we'd like to tap your collective knowledge on how to save while job hunting. Whether it's cutting travel costs to interviews, a great free CV site or cheap interview clothes, we want to hear it. Share yours/read others': MoneySaving while job hunting Past topics: View all CHEAP FLIGHT SALES ALERT
Airline: Monarch Deal: Up to 20% off selected flights to Spain, Canaries & Balearics Ends: Fri 11 Apr
Our pick this week is Monarch's* up to 20% off selected flights. Fly until 30 Jun to eight Spanish destinations, incl Canaries & Balearics. Incl taxes & most charges (excludes credit card fees). Extra charges warning: Avoid hidden fees - see Budget Airline Fee Fighting. Related: Cheap Flights, Cheap Hotels, Spending Abroad, Cheap Currency, Travel Ins THE GREAT HUNT... REVEALED
Your biggest financial fears
Last week we asked what you feared most when it came to your finances. MoneySavers are most worried about losing their homes, though also lose sleep over redundancy and running out of cash in retirement. 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 Is never having worked a bad thing? Lots of folks dream of winning the lottery and giving up the daily grind. But what about those who come into money young, so never have to work? Discuss this in the Is never having worked a bad thing? thread. | Cheap travel money |
This week's poll: Should inheritance tax be scrapped? The Prime Minister said he'd like to raise the threshold at which you pay inheritance tax to £1m (it's currently £325,000 or £650,000 for a couple, as allowances can be transferred).
Which of these is closest to your view on inheritance tax? | Poll resultsIs it right some must sell their homes to pay care home costs?
Most of you think it's wrong that people should have to sell their homes to fund care home fees.
- 55% think everyone's care should be covered by NHS.
- 12% say other assets should be taken into account, but not homes.
- 20% say people should have to.
- 13% think only valuable homes should be considered (eg, £500k+).
14,580 voted. See the full results. |
| Q: I had a car accident near the end of my insurance policy, but didn’t notify my provider until after it ended. Will my claim be honoured, and will it still offer me repairs? Pamela, by email. MSE Leigh's A: As it was your provider at the time, the insurer will be able to process your claim, as long as it's within the policies' terms. It will still offer repairs to your vehicle, as long as this was outlined in your policy documents. It's crucial you tell your provider as soon as possible, so it can handle your request. If you fail to notify your insurer and the damage gets worse, it's likely to only cover you for the cost of the original damage. It is also important to remember that it is a legal requirement to have your car insured unless you have declared it off the road. Please suggest a question of the week (we can't reply to individual emails). |
 Charlotte's free game of the week: Blast-o-matic |
Council tax to be scrapped for brick tax That's it for this week, but before you go, if you were suckered in by our new brick tax April Fool, then you’ll love these corker pranks from Buzzfeed that’ll keep up the tomfoolery all year round. 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 santander-products.co.uk, nationwide.co.uk, cbonline.co.uk, abouttsb.co.uk, halifax.co.uk, tescobank.com, sainsburysbank.co.uk, barclaycard.co.uk, lloydsbank.com, moneysupermarket.com, gocompare.com, directline.com, aviva.co.uk, admiral.com, hitachipersonalfinance.co.uk, marksandspencer.com, comparethemarket.com, petplanequine.co.uk, animalfriends.org.uk, exoticdirect.co.uk, quotezone.co.uk, helpucover.co.uk, postoffice.co.uk, productsandservices.bt.com, monarch.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 |
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