| | MARTIN'S QUICK BRIEFING: For more tips, alerts & awful puns, follow Martin on Twitter Beat the school holiday travel price trap
Prices for family trips abroad rocket outside term time - turn the tables There's a collective GRRRRR from parents about holiday price hikes when term ends. Yet the law's plain - you can't take kids out of school for vacations. When I gave you my top tips for cheap holidays overseas a few weeks ago, many of you said "what about the kids?" So here are some tips, just for you... | 1. | Book the wrong date on Easyjet to save cash. Easyjet's Flexifares let you switch dates by a few weeks without paying anything extra. So you can bag cheap term-time flights, then swap for your chosen school holiday dates.
This works all year round. Our MSE Steve just saved £430 booking Sardinia flights, and forumite Green1960 saved £700 to Lanzarote. Yet to show the specific summer benefit, mid-July Gran Canaria flights are currently £260 per person but term-time Flexifares are £200, so a family of four saves £240.
This isn't 100% straightforward though, so follow our Easyjet Flexifare Trick step-by-step help. More tips on locating cheapest flights in Cheap Flights. | | | | 2. | Grab family travel insurance from just £11. Holiday firms try to flog travel insurance on top for as much as £88/wk for a family of four in Europe. Yet our Cheap Travel Insurance guide shows you can do it far cheaper.
- Single-trip policies for families from £11. The cost varies with length and destination, but can be as little as £11 (in Europe). Use the MoneySup* comparison and Confused.com* to double-check if time.
- A YEAR's family travel insurance from £27. To cover all a year's holidays for a family of 2 grown-ups (max age 79) and their kids (up to 17), HolidaySafe Lite* is £27 in Europe, £46 world. However, that's just based on price, fulfilling our min cover levels. If you also want a strong track record & payout history, see our top value picks.
Do note though that family policies are based on the riskiest traveller - if one traveller will pay more due to their age or medical history, a separate policy for that traveller could lower the total cost. | | | | 3. |  Cheap villas can undercut hotels. Big family groups may need multiple hotel rooms. Instead, look at villas and apartments. We found a 2-bed Ibiza apartment with pool for £440/wk in the school hols - a similar-level hotel was £900. Though of course, you won't get room service.
Plus while villa prices rise in the summer, they don't always rise by quite as much as a package holiday and negotiation may be possible.
Direct booking sites let you quickly search for holiday rentals. Full help in our Cheap Holiday Rentals guide, but for speed, top picks are HomeAway.co.uk* for global reach, Villarenters* for easy payments & TripAdvisor* for search. Be careful - if you book directly with an owner, there's less protection. | | | | 4. | Package holidays can be cheap - esp in last 2 weeks of summer hols. If you're looking for a sunny getaway in a traditional holiday resort, a good old-fashioned package may still smash DIY holidays...
- Last 2 weeks of summer hols are cheaper. ABTA says prices drop rapidly in end Aug/early Sep (likely as most people want to go as soon as they can). For example, a week in Spain for a family of four that's £1,300 in early Aug can be £700-£800 at the end of the summer holidays.
- Book late if you're flexible. Book less than 8 weeks before you travel and it's a 'late' deal, which can be super cheap - though the real humdingers come from booking within a week of going. Only do this if you're flexible (usually if your kids are older, as you can't be sure of special facilities, eg, a crèche).
- Haggle down the cost. Tour operators make holidays, travel agents sell 'em. So just as a loaf of bread's cost is different in different supermarkets, the same's true of big operators' package holidays. Thus try haggling down the price, some save £100s on occasion. Full help: Cheap Holiday Haggling
- Go off the beaten track. If you don't fancy a package, city breaks tend to cost less in summer as they're less obvious destinations. Consider Bulgaria rather than Greece, while countries with recent political unrest, such as Egypt, will also cost less - though check Foreign Office guidance first. | | | | 5. | Each family member needs their own up-to-date EHIC. The free European Health Insurance Card (EHIC) entitles you to treatment at state-run hospitals & GPs in 28 European countries for the same cost as a local. So if it's free for them, it's free for you. There are 3 things you need to know:
- Everyone, even babies, needs their own card. Ensure every family member has their own card. It should be carried with you while you're away.
- Check they're in date. Over four million cards expire in 2014. So check all your family's cards now, and renew if they are out of date.
- They're FREE so don't pay. But beware Googling - shyster sites charge you admin fees to help or to "fast-track" your application. This is baloney. You never pay for EHIC. See our full Free EHIC Card guide for full info and how to apply/renew. | | | | 6. | Spend less on your spending with UNBEATABLE exchange rates. Holidaying with kids often means shelling out a packet once there. So don't throw away cash paying too much for euros, dollars or other currency.
The cheapest way to spend abroad is to pocket a specialist (no annual fee) credit card, and ensure you repay it IN FULL to minimise interest.
Most debit & credit cards add a 3% load - so spend £100 of euros and it costs £103 - and have other spending fees on top. However the specialists are 'load-free' worldwide so you get the same rate as the banks, thus £100 costs £100. Full info in Cheap Overseas Cards, but in short...
- Top load-free cards (no annual fee): Halifax Clarity's* the winner, due to lower ATM fees. For poorer credit scorers, look at Capital One*, though it's best for spending on as its ATM fees are high. With these, if you fail to fully repay, they're 12.9% and huge 34.9% representative APR. See APR Examples.
- Will you get one? Our Overseas Card Eligibility Checker shows which cards you've the best odds of success with to minimise your applications. If you can't get one, consider a top prepaid card.
- Want cash before you go instead? Use our TravelMoneyMax comparison. | | | | 7. | Book your holiday car hire NOW. It's all about supply and demand. Many leave it late, so if you book early you can ride the averages. What costs £8/day months ahead can be £28/day just before you go and far more when you're there, adding £100s overall. Full help: Cheap Car Hire. In short...
- Speedily find the cheapest deal: Select your options (automatic/manual, car size, etc) & then use comparison sites: Kayak*, TravelSup* and Carrentals*.
- Watch for fuel policy 'stealth' charges. Some budget firms charge for a full tank (eg, €100) and say "return it empty". Many people don't drive that far, so pay a fortune in unused fuel. A "get it full, return full" policy wins, and both AutoEurope* and TravelSupermarket* let you filter by fuel policy.
- Get cheaper 'excess' insurance: Ignore hire firms' fear-sold 'excess insurance' policies. If you want it, get it before you go for much less. Use the Moneymaxim excess comparison*, plus we've blagged 15% off Direct Car Excess Insurance* and 15% off Questor* using the code MSE2072.
- Don't forget the child seat. It may be cheaper to take your own as baggage than pay up to €8 (£6.50) a day. Also check if there's a separate airport car seat hire firm, which can cost as little as €3 (£2.50). | | | | 8. | Florida theme parks - don't let them take the Mickey. If you're off to Orlando, whether the kids are clamouring for Disney, Universal or Seaworld, check if you can grab cheaper tickets early doors. If you're booking for 2014, get nine days for the price of seven through Disney*. Or for 2015, get 14 days for the price of seven (plus $200 to spend in the Disney parks).
There are lots of other ways to save - eg, parking costs $17/day but the bus is $2, and pushchair hire starts from $15/day but buying one's around $20 from Walmart. Our big list of 30 Cheap Disney & Florida Theme Park Tricks includes park-by-park info, discounters, safety tips and more. | | | | 9. | Airport parking can be less than half-price booked ahead. Many families drive to the airport (though do check public transport options). Booking parking early usually saves, eg, a week at Stansted in Aug is £43 booked now but £126 on the day. Full help in our Cheap Airport Parking guide, but for speed...
- Step 1: Check comparison sites with discounts. A number of websites compare prices at the main airport car parks, and car parks which cater for flyers. We've bagged codes to make them even cheaper. Try Holiday Extras 10-30% off* | SkyParkSecure 13-25% off* | FHR 12-18% off*.
- Step 2: Try renting a private space near the airport. These eBay-style parking marketplaces let those living close to airports offer parking on their drives/spare land. It can be cheaper, but there may be a trade-off in terms of security. Check Park At My House*, Park Let* and Your Parking Space.
- Step 3: Find hidden local deals. If in doubt, ask other MoneySavers. Our forums are full of top tips for Heathrow, Gatwick, Luton, Edinburgh, Birmingham and more. See Local Parking Discussions. | | | | 10. | Set a budget and stick to it. Never ask yourself "what's our perfect family holiday?". That just leads to debt or disappointment. Instead, work out your budget then ask: "What's the best trip we can have with that cash?"
And don't let your money sense take a holiday while abroad either. Enjoy the holiday without overspending, or it'll be quickly forgotten if you return and have to deal with a financial hangover.
So set up a spending money budget - you get some room for manoeuvre as you can use some of the money put aside for normal costs at home, food, travel, parking, etc. Use MSE's Budget Planner to look ahead. |
Next week, we'll give you top tips for summer holidays in the UK. |
Blagged for MoneySavers |
Did you miss? |
 Get constantly 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 |
 | Get friends on board the MoneySaving bandwagon |  | | If this email's ever helped you, please forward it to friends and suggest they get it via moneysavingexpert.com/tips | |
 |  |  |
| Wed 14 May 2014 |
Ending. FREE loft/cavity insulation + FREE £50 J Lewis/Argos voucher
MSE Blagged. Totally free deal to get up to £700 of insulation - plus it'll even 'pay' you to do it To hit its eco targets, British Gas is giving & installing free loft and/or cavity wall insulation to ANYONE (incl non-BG customers) with a suitable, uninsulated home (not NI). We've blagged that until 31 May (it's likely to return later in the year), it'll give you a £50 high street gift card too.
 Free insulation - what do you get? British Gas's free insulation deal includes installing a variety of elements. You pay zero, though extras, eg, scaffolding aren't always included.
- Loft insulation worth up to £300, save £150/yr. According to the Energy Saving Trust (EST), a quarter of your home's heat escapes through the loft. Insulate it, and a typical 3-bed home could save around £150/yr on bills. The insulation installed usually costs £300 all-in.
- Cavity wall insulation worth up to £400, save £140/yr. Most homes built since 1920 have a gap between internal and external walls - filling it keeps cold air out. The EST says insulation installed usually costs c.£400, efficiency savings £140/yr.
- Free £50 Compliments gift card. We've blagged a £50 Compliments card that can be used in John Lewis, Argos, Topshop, Mothercare, D'hams, PizzaExpress and more for those who qualify - you'll get it 60 days after installation.- How do I get it? BG needs to check eligibility on the phone first, so either use this callback form, or from 8am-8pm weekdays, 8am-4pm Sat, freephone 0800 294 9126 (mobile-friendly on 0330 100 3640). Use these details, don't go to BG direct or you won't get the gift card. For full info, see Cavity and Loft Insulation.
- Who can get it? Anyone (ie, not just those on benefits) in England, Scotland & Wales (not NI) with a suitable, uninsulated, privately-owned home. There are a few exclusions, eg, if you have solid rather than cavity walls.
back to top ↑ |
| 70 free summer 2014 UK festivals & carnivals. Paaaarty. Many suitable for families. Incl Derbyshire National Forest Walking Festival, London's Street Feast food festival, Bristol Balloon Fiesta. 70 Free UK Festivals Amazon 'up to 50% off' toys. We've spotted even bigger discounts, incl a £4 Braun toy coffee maker (was £30), £6 Bratzillaz doll (was £25), £15 Sylvanian Families (was £30) and a £10 Barbie wardrobe (was £35). See Amazon Deals Reminder. Get up to 2.5% AER on new ISAs. The top pick letting you withdraw without penalties or giving notice is Nationwide's Regular Saver 2.5%* ISA (only existing custs can open it online - rest in branch), yet you can only put up to £1,250/mth in. For lump sums or transferring old ISAs, Halifax's* 1.55% AER ISA (min £1) is the top easy-access deal open to all. Both rates will drop in a year, so diarise to switch. Alternatively, Coventry's 2.75% 4-year fix won't change in that time, and you can close the account and withdraw cash for just a 120-day interest penalty. Full help in Top Cash ISAs. Nike EXTRA 20% off up to 30% clearance code. Includes Air Jordan Trek for £46. Limited stock. Nike Deals |
New. Longest-EVER 32mths 0% debt shift
BOOM. KAPOW. Lenders in balance transfer price war punch-up. Take advantage & shift your debts to cut costs  On Friday afternoon, BOOM - Halifax entered the battle of the longest 0% balance transfers, launching a 31-mth card to match Barclaycard's table-topper. Then on Monday, KAPOW - Barclaycard hit back, upping its 0% deal to an unprecedented 32mths. These deals are huge. This time last year the record was 26mths 0%, two years ago it was 22mths.
- Top 0% balance transfers. This is where you get a new card to repay existing cards so you owe it instead. You can't usually shift to a card from the same bank group as the debt's with, so the current variety is welcome...
TOP PICK NEW CARDHOLDER BALANCE TRANSFER DEALS
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 | | New. Barclaycard* Longest 0% card. | 32mths 0% (2) | 2.99% | 18.9% | | New. Halifax* Longest if transferring from Barclaycard. | 31mths 0% (2) | 3% | 18.9% | | MBNA* Allows you to shift overdrafts to 0% too. | 30mths 0% | 2.89% (3) | 20.9% | | Lloyds* Long 0%, much lower fee. | 24mths 0% (2) | 1.5% | 17.9% | | Halifax* Very low fee & 15mths 0% on spending too. | 15mths 0% | 0.8% | 17.9% | | Tesco* Lowest fee - if you can repay quickly. | 12mths 0% | 0.65% | 20.6% | | Sainsbury's* Consistently low rate. | 6.9% for life (4) | None | 6.9% | | FULL INFO & MORE BEST BUYS: Best Balance Transfers (APR Examples) 1) % of amount transferred. 2) Some get a shorter 0%. 3) 4% fee on money transfers to bank accounts. 4) Some poorer credit scorers may get 9.9% or 12.9%. | - FREE tool to show which you're most likely to be accepted for. All cards credit-score you to decide if you'll be accepted. Perversely, the only way to know what you'll get is to apply, but applications can hit your future score. Our Balance Transfer Eligibility Checker shows your acceptance odds so you can minimise your applications.
- Always obey the golden rules. a) Repay at least the set monthly minimum, or you may lose the 0%. b) Aim to clear the debt or shift again before the 0% ends, or rates rocket. c) Don't spend on these, it isn't usually at the cheap rate. d) To help decide, see our Which Card's Cheapest? tool. e) Full info & FAQs in Best Balance Transfers.
back to top ↑ |
| UK & worldwide hotel codes: 10% off Expedia AND Hotels.com. Hotels.com code lasts until Sun, Expedia till Tue. They work on 150,000+ hotels - see Hotel Codes, plus Cheap Hotels for tricks incl revealing secret hotels. Tesco vouchers 5x value on days out. Until 23 Jun, £2 equals £10 at Colchester Zoo, Cadbury World, etc. Tesco 5x New online pound store code: Spend £10, get 1 item free & free delivery code. Goods at £1, incl Andrew Barton hair mask (RRP £4), Mountain Dew lip balm (RRP £3.50) and leather iPhone case (RRP £25). Here For A Pound Deals Debenhams up to 25% off ALL DEPARTMENTS, John Lewis sale-matching. Until Sun, D'hams has a 25% off sale (some depts, eg, beauty, are 10%). J Lewis is matching an, ahem, "unnamed competitor's" 25% sale. Sales Info |
|
| | | |
| Huge A2-ish photo canvas for £15 with code (usually £63). MSE Blagged. 40cm x 60cm canvas. Canvas Deals Flash sale 100+ West End stores 20% off vch incl Benefit, Fat Face, Urban Outfitters. This Sat, 12pm-5pm. Get a voucher for 100+ shops in London's Covent Garden. Incl Crocs and American Apparel. Covent Garden Vch FREE £20 Optical Express eye test. Plus £30 off £100 spend, with voucher valid till 30 Jun. See ALL Glasses Deals. |
Free Mental Health & Debt Help 2014 booklet. You're not alone
Those with mental health issues are 6x more likely to have a debt crisis. You're not powerless - help is available It's Mental Health Awareness Week. One in four people experience a mental health problem each year. This directly affects people's finances, so our view is let's not beat around the bush. Ditch the stigma & focus on it like any other money issue. -
 Mental health & debt are a marriage made in hell. Mental health issues such as bipolar disorder & depression can cause debt problems, & debt problems can start mental health issues. Our latest poll of 9,700 people shows those affected by mental health issues are 6x more likely to have a debt crisis (36% compared to 6%).
- New. MSE Mental Health & Debt help booklet 2014. Download our 44-page
Mental Health & Debt Help PDF Booklet, updated for 2014 (thanks to charities Mind, Rethink, CAPUK & more for their input). It's crammed with info on handling debts when unwell, working with banks, where to get help, whether to declare a condition to your bank, and more. - Who's it for? Individuals with anxiety, depression, bipolar disorder and more, plus their families, carers and caseworkers. When we first launched our booklet, many told us of their relief on realising (in a good way) they weren't special, and that these issues are common. Speak to others on our Debt-Free Wannabe board.
- New tool checks if money worries are affecting your health. A new NHS tool's launched to help assess if financial problems are affecting your health. Answer a few questions (takes 5 mins), and it'll direct you to personalised advice.
- Struggling with debts, but not mental health? Info, tips and how to get one-to-one help in Debt Crisis Help.
back to top ↑ |
| Free tennis coaching and courts at 100s of locations. Sign up soon - kids & grown-ups (May-Jul). Volley good 15 Burger King vouchers, including 2for1s. Valid till 6 Jul. Incl 2for1 Whopper, £10 family meal. BK Deals TWO Cineworld tix £12, incl Ldn West End (usually up to £25). 6,000 pairs avail via daily deals site. Cinema Show Best Buys
CODES: Body Shop 40% off, Dotty Ps 25% off, Phase Eight 20% off, Currys 5% off iPads, etc...
Body Shop 40% off code/in-store | Currys 5% off iPads code | Tesco Direct 10% off £75 or £10 off £75 codes
Wickes 10% off £75 code | Dorothy Perkins 25% off code/vch | Phase Eight 20% off sale | ALL Discount Vouchers |
Apply NOW for student finance (and beware paying fees upfront)
For students to get money in their account for the start of the academic year, they must apply for finance ASAP Whether September is the start of your university career, or you're a continuing student, if you want to receive a student loan (and in some cases a grant), you need to apply for finance now. Even if you haven't got your place yet...  Student finance deadlines: The deadlines depend on which bit of the UK you're from (not where you study). Do it in time to ensure (barring problems which sadly do happen) you get the loan by the start of the September term.
- English students. New students' deadline is 30 May, returning students 27 June.
- Scottish students: All students, new & returning, have till 30 June to apply.
- Welsh students: New students have till FRI (16 May), returning students till 6 June.
- Northern Irish students: New student deadline's passed (Missed it? Apply ASAP). Returning students 13 June.
You can still apply after these deadlines, even as late as 6-9mths after the year starts, but the money will obviously take longer to arrive. For full help on how loans and fees work, see our 20 Student Finance Mythbusting Tips. - Paying student loans upfront can waste £1,000s. Students in England can leave uni with loans of nearly £50,000. Some parents consider using their savings, or even extending mortgages, so their children can avoid this.
This can be a costly mistake. Repayments are set at 9% of everything earned above £21,000/yr for 30yrs. Many students won't fully repay what they borrowed. So paying upfront can be a huge financial loss; the cash will be far better put towards, say, a mortgage deposit. Full pros & cons in Beware Paying Tuition Fees Upfront. back to top ↑ |
| FLASH currency sale. Asda's boosting rates on euros, US, Aus & Canadian dollars and South African rand till 8am Fri 16 May. Order online/phone for delivery or store pick-up. Check how it stacks up with our Travel Money Comparison. The price of justice is hiked. If you need to go to the small claims court over, eg, faulty goods or standoff with a builder, small claims fees (they're refunded if you win) have increased for those suing for £3,000+ (when it's £185) and are nearly double, at £410, if you sue for the max £10k. Full help in our updated Small Claims Help Guide. Greater Anglia trains £5 each-way seat sale. Off-peak between Norwich & Ldn, travel 19 May - 4 Jul. Train Deals
Show Best Buys |
| Show Vouchers and Top Deals |
| | | |
|
 CAMPAIGN OF THE WEEK
What would it take for you to trust your energy firm?
The energy regulator wants to know, as it's referring the energy market to the new competition authority. Read the full State of the Market report or just email stateofthemarket@ofgem.gov.uk before 23 May with your thoughts on: What would it take for you to trust your energy firm? What's stopping you from switching? You can also share your views in the MSE Forum. MONEY MORAL DILEMMA
Should I leave my stepchildren the same as my son?
This week's MoneySaver who wants advice asks... When we married 30 years ago, my wife had three teenagers and I had a toddler. We set a joint will up so half was to go to my son with the rest split between my wife's children. It seemed fair then, as all our assets had been built up by me before we married. But now it doesn't seem as fair. I've had at least as much involvement with my stepchildren as my son, and a bigger share of our assets would change their lives. Should we change it to equal shares, denying my son a bigger sum? Enter the Money Moral Maze: Should I leave my stepchildren the same as my son? | Suggest an MMD | View past MMDs THE GREAT HUNT...REVISITED
Spruce up your garden on the cheap
The sun's made a few appearances already this year. With summer just around the corner, you might even be thinking of sunny BBQs or al fresco breakfasts. We're looking for ideas to clean up and add some life to your gardens on the cheap. They could be through good value flowers, homemade outdoor furniture, economic use of garden waste or even cheap cutting-hedge technology (geddit?) Share yours/read others': MoneySaving gardens 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 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
Your MoneySaving ways to stop snoring
Breathing in steam before bedtime and using a thin foam pillow were two ideas suggested by MoneySavers, and even losing weight could help. But the most popular idea was the simplest - see a doctor. back to top ↑ |
| | |
Martin's blogs | Martin's appearances 15 May
Good Morning Britain, ITV, 6am-8.30am.
Deals of the Week. | 15 May
Shelagh Fogarty, Radio 5 Live, 12pm-1pm.
Consumer Panel.
Subscribe to podcast. | 19 May
This Morning, ITV, 11am-12pm.
Subject tbc. | |
MSE team corner - Team appearances:
- No team appearances this week.
| Discussion of the week Pocket money Should teenagers' pocket money be based on how much they help around the house, or on how much their friends get? Loobysaver asks for help in Pocket money for a 12- and 16-year-old. Join the discussion. | Cheap travel money |
This week's poll: How much do you spend on your haircuts? Is keeping your locks precious and perfect taking a bigger share of your income? Is it women who are the big spenders, or do men tend to have more frequent cuts? We want to find out if the amount spent is hair-razing.
Please select whichever is CLOSEST to your situation. (NOTE: If you have separate colouring/blow-dries, try to roughly factor these in too.) | Poll results Does mental health affect your debts?
If you've had mental health problems, you're far more likely to have also had severe debts. If you’ve been affected, see our updated Mental Health and Debt guide.
- 6% of those who haven't had mental health problems have had severe debts.
- 36% of those who've had mental health problems, or whose partner has had them, have had severe debts.
9,694 voted. See the full results. |
| Q: Can you open more than one ISA in a tax year? Gerry, by email. MSE Helen's A: You can open one cash ISA and one stocks and shares ISA each tax year. But if you're asking whether you can open and pay new ISA cash into two accounts with two different providers in the same year, then the answer's no. Choose a top cash ISA for your new money. If it accepts transfers, great. If it doesn't, then here's a slight oddity in the cash ISA market. You can open a separate cash ISA, but only pay in your transferred old cash ISAs. So, technically, you've opened two cash ISAs in the same tax year, but you're only actually saving into one of them. We had a nerdy discussion in MSE Towers about this question. Taking this question to its extremes, you could theoretically open hundreds of cash ISAs in a tax year, provided you had enough cash in old ISAs to transfer into them, and there were enough cash ISA deals on the market. But what we think is the question you've asked, we've answered above. Please suggest a question of the week (we can't reply to individual emails). |
 Charlotte's free game of the week: Amazing Mind Reader |
Nine awesome photos from the National Geographic contest That's it for this week, but before you go, take a look at these incredible photos from the National Geographic Traveller photo contest. If you fancy your chances, entries close on Mon 30 Jun. 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 9 million people getting this email and nearly 13m 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 homeaway.co.uk, villarenters.com, tripadvisor.co.uk, holidayextras.co.uk, skyparksecure.com, bookfhr.com, parkatmyhouse.com, parklet.co.uk, moneysupermarket.com, confused.com, holidaysafe.co.uk, kayak.co.uk, carrentals.co.uk, auto-europe.co.uk, travelsupermarket.com, direct-carexcess.co.uk, questor-insurance.co.uk, disneypackages.co.uk, halifax.co.uk, capitalone.co.uk, barclaycard.co.uk, mbna.co.uk, lloydsbank.com, tescobank.com, sainsburysbank.co.uk, nationwide.co.uk, gocompare.com, directline.com, aviva.co.uk, admiral.com, paybyfinance.co.uk, cbonline.co.uk, firstdirect.com, santander-products.co.uk, postoffice.co.uk, talktalk.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 |
If someone want to read more about that interesting blog. I think this is the right place for you!
ReplyDeleteFire and Safety Course in Chennai
IOSH Course in Chennai
NEBOSH Safety Course in Chennai
Electrical Safety Audit
ISO Consultants in Chennai
NEBOSH Course in Chennai
This is really useful content and Thank you so much for sharing with us. I want to more updates about this topic.
ReplyDeleteOracle Training in Chennai
best oracle training institute in chennai
Unix Training in Chennai
Power BI Training in Chennai
Tableau Training in Chennai
Oracle DBA Training in Chennai
Excel Training in Chennai
Linux Training in Chennai
Oracle Training in OMR
Oracle Training in Adyar