| | MARTIN'S QUICK BRIEFING: For more tips, alerts & awful puns, follow Martin on Twitter Can you HALVE your mobile bill?
Millions overpay, so we've 10 need-to-knows that may save you £100s The flood of new handsets, Samsung's S5 being the latest, makes many think it's all about the tech. It's not. Choosing a mobile is like choosing a car. Don't just think of the upfront cost, running costs can cripple year after year. | 1. | Do you pay more than £15/mth - if so, why? This is the key benchmark, for the simple reason that the cheapest UNLIMITED minutes, texts, and a decent 2GB of data Sim-only deal costs that (details in point 3). So if you pay more, ask yourself why.
If you're locked into a costly contract because it incorporates the price of a flashy handset, that's some justification. But check for savings. If you just pay the same or more each year, STOP. We've seen mobile tariff deflation - you should pay less, not more. And don't think you have to change your number. It's easy to take it with you. | | | | 2. | Free tool matches your exact use to a contract tariff. The aim's to perfectly match inclusive minutes, texts & data to your usage. Underuse tends to mean you're overpaying on the monthly fee. Overuse usually means you're paying too much for any additional minutes/texts/data.
BillMonitor* will log into your online mobile statement, analyse your bill and present better tariff options. For a faster and swifter comparison, you can compare lots of options at MoneySupermarket*.
To find discounted deals, MobilePhoneChecker* & Omio* let you find tariffs, then search which company sells them cheapest. Full rundown: Mobile Comparisons | | | | 3. |  Happy with your handset? Super-cheap Sim-only deals. The Sim card is the little square chip you put in the back of a phone that gives it its identity. If you don't need a new handset, the best deals come from just switching Sim.
- Cheapest pay-as-you-go: Giffgaff* (piggybacks on O2 network) offers contract-style bundles but no contract, eg, £7.50/mth for 200mins, unltd texts and 250MB, or £20/month for unltd texts and data, plus 2,000 mins.
- Cheapest Sim-only, mostly unlimited contract: Virgin* (piggybacks on EE) offers unlimited mins and texts, plus a decent 2GB data for £15/mth (SCROLL down and click 'No I don't' on the landing page to see it).
Some handsets are locked to one network's Sims. If your new Sim isn't on the same network, then you'll usually need to unlock it. This can often be done at no cost. Full help in Mobile Unlocking. | | | | 4. | Cheapest Samsung Galaxy S5 deal. While getting the latest kit is never MoneySaving, if you're going to do it, at least do it as cheap as you can. To help, we've updated our Cheapest Samsung Mobiles Comparison Tool to add the S5 to the list of Samsungs. Deals include...
- Cheapest S5 overall: Just buy the phone straight from Giffgaff* for £529 (it's £570 elsewhere) and grab one of its pay-as-you-go (PAYG) Sims, eg, £7.50/mth for 200 mins, unlimited texts & 250MB. Giffgaff's not widely available on 4G yet.
- Top 4G S5 deal - no upfront cost. This MSE Blagged fast 4G mobile broadband EE* deal gives 1,000 mins, unltd texts and 1GB for £29.99/mth on a 24-mth contract, with no upfront cost. Warning - the monthly price will rise with inflation every March. Offer ends 11.59pm Wed 14 May.
- Heavy user - ltd upfront cost. Vodafone* (unltd mins & texts, 3GB), for £49.99 upfront, then £34/mth (£8/mth more for 4G) on a 24-mth contract. | | | | 5. | Cheapest iPhone 5S. We can't do Samsung's yin without Apple's yang. Our Cheap iPhones Comparison Tool's the counter-balance. Again though, get the newest 5S handset and costs are hefty. Do you really need it? If you're going to do it anyway...
Our top iPhone 5S pick for high users is this EE* 24-mth contract with no upfront cost. You get unltd mins and texts plus 4GB of data for £37.99/mth.
For low users on the same phone, Giffgaff* offers the cheapest deal with max flexibility. If you can pay the £549 upfront for the handset via Apple, you then pay £7.50/mth for 200 mins, unltd texts and 250MB with a pay-as-you-go Sim. | | | | 6. | Make HUGE savings from haggling down your contract. If you don't want to switch, and are near or past your contract's end, you're carrying a powerful weapon... your loyalty.
The mobile world's a mature market. Everyone has a handset, so networks fight hard to win custom from elsewhere AND keep their own. So if it won't give you a good enough deal, let it know. The aim's to get through to 'customer disconnections', which internally is often called 'retentions' as its job is to keep you. That's often where the corking deals come - it works.
Last Nov, we polled users who'd tried a haggle. Most succeeded...
1. Virgin Mobile - 73% succeeded. 2. EE - 67%. 3. Vodafone - 65%.
4. Orange - 63%. 5. Tesco Mobile - 62%. (See full results).
Full help on how to do this in Haggle Down Your Mobile Bill, but here are just two recent examples of how well this can work...
Forumite ELFY: "My Orange contract was up, so I asked what they could do for me. I rejected two offers until I got £16/mth, for 1.5GB data, unltd texts and 2,000 mins. A saving of £36/mth - that's £432/yr."
And our own MSE Jenny: "My £12/mth Orange deal expired, so the price went up to £29/mth. I called to say I wanted to leave, and was transferred to 'disconnections'. They called my bluff, saying 'Fine, you'll be cut off in May'. So I called theirs and said 'OK'. The next day they called back, offered 500 mins, 500 texts and 600MB for £6/mth on Sim only - a corking deal." | | | | 7. | £8 'granny in the glovebox' mobile. Need a PAYG handset for calls and texts as emergency back-up? (Hence 'granny in the glovebox'...) The aim's a low upfront cost where the credit lasts. You could use eBay, but to help, we've scoured to find you cheap new ones.
- Cheap thickphone (non-smartphone). The Samsung E1200 from Phones4U is £7.95 and unlocked. Other handsets cost less, but here the top-up's just £10 and credit doesn't expire if you make at least one call every six months.
- Cheap smartphone (with web). The Samsung Galaxy Y at £39.95 with O2*, plus £10 top-up for 75 mins, 500 texts, 500MB/mth data. Again, provided you make a call every six months, the credit won't expire. | | | | 8. | Is 4G worth it? This is the latest & fastest standard for mobile broadband, with listed speeds up to 5x faster than 3G. It relies on a decent signal in the right place though. Don't expect a nice, constant 4G stream everywhere. I have it on my work mobile, and performance varies wildly.
You'll pay extra, typically around £5-£10/mth for it, and it's likely that with it, you'll use more data, so check your limits. It certainly helps for watching TV & films or downloading big files, but for most it's a luxury, not necessity.
So think where you use your phone. If it's in coffee shops or at home where there's fast wi-fi, then that often beats 4G anyway. | | | | 9. | Use wi-fi when you can - how to find FREE hotspots. Smartphones have two ways of connecting to the web or downloading data. They can go through the phone signal, usually 3G or 4G, in which case you use up your data allowance; or the local wi-fi internet signal, in which case you don't.
Even if you've 4G, a decent home wi-fi signal will usually be faster and more reliable. Plus data costs tend to be lower. If you're out, from Starbucks to Strada to McDonald's, thousands of cafes and restaurants offer free wi-fi, where your mobile connects to a broadband signal.
EE, O2, Virgin & Vodafone give free wi-fi access on the London Underground and everyone can access The Cloud free (limited in some places, unlimited for Sky customers). See Mobile Hotspots. | | | | 10. | Insure the whole family's smartphones for £10/mth. Our full Cheap Mobile Insurance guide has best buys and also checks whether you really need it and what type. In a nutshell, here are some of our top picks....
Best buy deals: All cover accident, loss, theft & have OK feedback.
- iPhones incl 5S (max £750): £70/yr Insurance2Go*. Excess £50-£75.
- Samsung (max £750): £57/yr via Insurance2Go*. Excess £25-£50.
- Other smartphone (max £750) £60/yr via Insurance2Go* Excess £25-£50.
- Thickphones: (max £150). Gadget Cover* £16. Excess £25.
Cover ALL family smartphones £10/mth. Switch to Nationwide's FlexPlus* £10/mth (so £120/yr) bank account and it includes cover for the whole family's mobiles (max £1,000 per phone), provided you all live together and the children are under 19 (or 22 if in full-time education). It also gives worldwide family travel insurance (max age 74) and European breakdown cover for the account holder. Full info in Packaged Bank Accounts. |
More help: Cheap Mobile Roaming, Data Roaming and Free Texts
|
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 |
 | Saved cash? Shout it from the rooftops. |  | | If this email's ever helped you, please forward it to friends and suggest they get it via moneysavingexpert.com/tips | |
 |  |  |
| Wed 7 May 2014 |
Get a 2.75% cash ISA - have you used yours yet?
Everyone got a NEW £5,940 cash ISA allowance on 6 April. Yet many haven't used it. Time to rebut the buts... A cash ISA is just a tax-free savings account. Rates may look pants, but they beat normal savings and here you keep all the interest - the taxman can't snaffle it. So no excuses, savers, we're nagging. Full help in Top Cash ISAs, in short...  Earn 2.5% AER and withdraw cash whenever you need. Many avoid ISAs as they don't want to lock their cash away, but you don't need to - just get an easy-access cash ISA and you can access your cash whenever you want. Here are the top payers:
- Earn 2.5% AER variable but you can only put in £1,250/mth. Nationwide's Regular Saver* (ONLY existing Nationwide customers can open it online, others must visit a branch) is designed for monthly saving, so you can only put a max £1,250/mth in. But if you're saving less than a few £1,000, its super-high rate makes it worth drip-feeding the cash in.
- Earn 1.55% AER variable on lump sums & transfers. Halifax* (min £1) is the top straightforward deal open to all. But, like Nationwide, the rate drops in a year, so diarise to ditch & transfer. Full best buys: Top Cash ISAs- Earn 2.75% AER fixed for 4 yrs with access if needed. Coventry BS ensures you get 2.75% for 4 yrs (min £5,940 - no transfers). Yet the clever bit is it lets you close early for a relatively low 120 days' interest penalty. So if you want your cash after 1 yr, you'd still get 1.85%, after 2 yrs 2.3% - beating the best deals for those times anyway. You can top up to the new £15,000 allowance on 1 July. See full Top Manipulatable Fixed ISAs best buys.
- Cash ISA quick Q&As
Q. Some bank accounts pay switchers 5%. Do they beat ISAs? A. They can, short-term. See our 5% Savings guide.
Q. I've an old ISA. Can I boost it too? A. Yes, check rates. If they're pants, see our Top Cash ISA Transfers.
Q. In July, the allowance grows to £15,000. Should I wait? A. There's no need. You can open one now, so your cash starts earning immediately. Then top it up in a (N)ISA in July. For more info, pros and cons, see our NISA guide.
Q. Should I use my allowance for stocks & shares? A. Er... it depends. Full help in Top Stocks & Shares ISAs. back to top ↑ |
| 2,000 free 1 YEAR Tastecard (£80 full-price). MSE Blagged. Till Mon, 2,000 year-long and unlimited 2-mth versions of the restaurant discount card getting 2for1ish in 7,000+ eateries incl PizzaExpress & Strada. Full info: Tastecard Ssssh. Argos substitutes TWO Vax steamers when you order a £35 one. Can you find it? Vax Trick "Used your info to search for old pensions I might've had years ago… found £39k in Scottish Widows. Thank you." - emailed by Lance. Check if you (or a deceased relative) have lost or forgotten old bank accounts, savings, Premium Bonds, investments or more via our Reclaim Forgotten Cash guide. EXTRA 50% off code for designer jewellery in up to 80% off outlet. MSE Blagged. Incl Links London charm £9.60 (was £48), Calvin Klein ring £18 (was £60). Basket must be min £10 pre-code, won't work on mobiles. John Greed |
Sky broadband 50% codes - some can save nearly £200 a year
PRICE WAR. Switch for big savings. 5,000 codes get broadband AND line rent for less than usual line rent alone Check the price of your broadband and line rental right now. Even before calls, many on non-promo deals typically pay BT £350/yr, Virgin £300/yr, Sky £300/yr, etc. Yet below we show you how to get it for £160/yr or less.  Broadband AND phone line rent £12.50/mth (pay monthly). MSE Blagged. We've 5,000 Sky 50% off codes for Sky newbies (ie, you can't have had in past 12mths).
For £12.50/mth, on a 12mth contract, you get BOTH unlimited download broadband (avail to 90% of UK), usually £10/mth alone and line rent, incl weekend calls to landlines, usually £15.40/mth alone. Call costs are roughly on par with BT. It sends you a router too, but you pay £6.95 p&p extra for this. If you need a new line too (eg, if you've cable), installation's £15 with this deal. - £120 Amazon voucher on HOT deal (pay year's line rent upfront). MSE Blagged. Officially for existing EE* contract / PAYG mobile custs new to its broadband, but there's a way anyone can grab it. Until Fri, 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: £2/mth, so £24 for the year (avail to 85% of UK). The price will rise after the contract ends.
- Call costs: Weekend calls to landlines are included, other costs mostly on a par with (or a touch more than) BT.
- You get a £120 Amazon voucher after 3mths. It's sent automatically if you go via this EE deal* link and use code EEBB120 to get the voucher (the code also works on fibre optic deals).
Analysis: Staggeringly cheap. Excluding calls, pay line rent upfront + broadband, and the year cost's £156, equiv to £13/mth (pay line rent monthly, it's £209 - £17.40/mth), plus £120 Amazon voucher. If you would spend that at Amazon anyway, factor it in and it's effectively £36 over the year, equiv £3/mth (£89/yr 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.
Not with EE? To count as an EE customer, you need an active PAYG Sim. They're available free if you top up with £10. If you call once every three months, it's valid. Step-by-step help in How To Count As An EE Customer.
Full help and more options in Cheap Broadband. Related: Cheap Home Phones, Digital TV Cost-Cutting back to top ↑ |
| Free 2-month Family Railcard (and code for £10 off a year's card). Gets you and up to three other grown-ups a third off rail tickets if there are up to 4 children with you, and the kids get 60% off too. Full info in Train Deals. Body Shop 35% off code + 'free' £10+ mystery gift. Min spend £5, so can be quids in. See Body Shop Codes. Code gets £30 Which? wills (usually £89). MSE Blagged. Till 20 May, Which? Wills is offering solicitor-checked single wills for £30, joint wills for £50 (usually £149). Full info & how it compares in Cheap Wills. |
|
| | | |
| 'Free' £4ish Lego with papers. Batman, Star Wars, police cars, etc via 60p-£1.50 papers. Lego Deals Magazine 'freebies' - £11 Nails Inc polish | £12 skincare set. Both on cover of £4ish mags. Beauty 50% off £15 at Papa John's Pizza code. Ends Sun 11 May. If spending £7.50+, top it up to £15. See Pizza Deals |
Ends Fri: 0% borrowing, even with poor credit
Last chance (for now at least) to use a 0% spending card to cut the cost of payday loans and overdrafts 0% spending cards are designed for new borrowing - which should be avoided by those struggling. Yet one 0% deal even lets people with past CCJs, defaults or bankruptcies apply, which may enable you to cut costs/avoid far nastier debts. Use our 0% Spending Eligibility Checker to see which of these cards (except Tesco) you're most likely to be accepted for.  Ends Fri: Easy-to-get 5mths 0%. Till Fri morning this Barclaycard Initial* card gives accepted new cardholders 5mths 0% on spending, though after that it jumps to a huge 34.9% representative APR. It'll credit-score you, but unlike most cards it won't automatically reject those with past credit problems, as long as they're 1+ yrs old.
We're not suggesting you use this for new borrowing. But used right, this can give respite from bank charges/payday loans. So do normal spending, leaving your income building in your bank account - then use that to reduce your overdraft or repay lenders. You need to budget, and plan to fully repay the card within the 5 mths, to make it work. Please see full Barclaycard Initial Tips.- Get 18mths 0% borrowing for better scorers. Both Tesco* & Santander* cards give accepted new cardholders 18mths 0% on spending followed by 18.9% rep APR after. Full help & best buys in Top 0% Cards (APR Examples).
- 30mths 0% (4% fee) to clear overdrafts for better scorers. The MBNA* card allows money transfers at 30mths 0% for a 4% fee (22.9% APR after) - meaning it pays cash into your bank account so you owe it instead. Perfect for clearing overdrafts, though ensure you know what you're doing. See our full Money Transfer instructions.
- Want to cut other credit card costs? Better deals are available. If you're trying to cut credit card costs, then you want a 0% balance transfer card, not a spending card. There are a few cards for poorer credit scorers - use the Balance Transfer Eligibility Checker to find the one you're most likely to get.
- The 0% spending card golden rules. a) Always pay at least the monthly min, else you'll lose the 0% deal. b) Clear the card before the 0% ends, or there's hefty interest. c) Don't shift debt/withdraw cash - that's not usually cheap.
back to top ↑ |
| M&S up to 50% off clothing sale. Starts 9am Wed. On men's, women's, kids'. Full info. M&S Deals "The Government has sold people out over Erudio Student Loans." Read why in Martin's blog. 2for1 Card Shark magic show tickets code. MSE Blagged. Top London magic show. Pairs from £53. Card Shark Code gets 96-page hardback photo book for £19 (RRP £50). Plus 3for1 personalised card code. Photo Gifts Show Best Buys
Ends Thurs. 50% off Diggerland tickets. £10 instead of £20 at 4 construction-themed parks in Eng. Diggerland CODES: Dorothy Perkins 24% off for 24hrs, Topman 10% off, etc...
Dorothy Perkins 24% off 24hrs starts noon Wed | Jones Bootmaker 15% off | Tesco toys extra 500 pts on £50 spend
Urban Outfitters 20% off dresses | Waterstones 15% off £30 | Topman 10% off | ALL Discount Vouchers FLASH currency sale. ICICI Bank is boosting rates on all currencies from 10am on Thu 8 May to 6pm Fri 9 May. Use our Travel Money Comparison to see how it stacks up. Though if you're not going on hols till summer, 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) |
40 eBay insider SELLING tricks
Flog your stuff now, as eBay is cutting free listings from next week. Our top tips show how to max your income It's the ubiquitous online car boot sale, where technique matters. Our 40+ eBay Selling Tricks is a crash course - key info...  Free listings slashed. You can currently list 100 auctions a month with a start price of 99p or less without paying 'insertion' fees, ie, a fee for listing (it still takes 10% of the final price). From Tue 13 May, this drops to 20 items, though at ANY start price - it's then 35p each after that. If you've a large bag of goodies, go quick. If you've just a few niche or high value goods, no rush. Full help in eBay Listings Update.- eBay selling tricks. To get eBay* cash rolling in, learn the etiquette & shortcuts.
- Create multiple listings in advance. With bulk-upload tools, you can save and edit draft listings at your leisure.
- Time it right. Anti-social end times get fewer bids, so end your auctions at eBay's busiest time.
- Get to top of search results. A clever eBay tool shows buyers' most popular search terms, by category.
- Need inspiration on what to sell? Use the Popular Items tool for listings with most bids/watchers in the UK.
- Avoid 1- or 3-day auctions. The longer your ad's up, the more people will spot it, so opt for longer auctions.
- Tweak start prices. Modest start prices can spark more bidding, but the risk is it'll sell for the knock-down price. - And a reminder of last week's tips for eBay BUYING. From PS3s to to designer sofas, sellers often specify 'collection only', meaning fewer competing bids and serious bargains. Use our free Local eBay Deals Mapper, iPhone App and Android App to help you locate 'em. And see the full 40 eBay BUYERS' tricks.
back to top ↑ |
| Ends TODAY: Last few FREE £12 Ideal Home Show Manch & Glasgow tix. Ends 11.59pm Wed. Ideal Home Got Sky Sports just for the footy? Cancel for the summer now. If you do it via Sky, it can take up to 31 days to cancel. It's quicker with Virgin, BT & TalkTalk. Don't keep it for the World Cup, that's on BBC & ITV. Cancel Sky Sports Want a MoneySavingExpert paid editorial internship? We're recruiting for a 12-week placement. MSE Jobs
Show Best Buys |
| Show Vouchers and Top Deals |
| | | |
|
 BOOK GIVEAWAY RESULT
Cabana: The Cookbook. 25 blagged for MoneySavers. Did you get one? MONEY MORAL DILEMMA
My car, but they were driving - who pays for the breakdown?
This week's MoneySaver who wants advice asks... My friends and I went on a group holiday by car. Three wanted to come home early so took my 2nd-hand car, as I could make other plans. It broke down and they paid £200 for towing. They've asked me to contribute. The car's a write-off (£700 down the drain) & I have to pay the mechanic. Is this fair? Enter the Money Moral Maze: Who pays for the breakdown? | Suggest an MMD | View past MMDs THE GREAT HUNT
What are your MoneySaving ways to stop snoring?
Snoring can be troublesome for you, even if you don't snore. Many products claim to help stop snoring, but what are your tips that don't cost, such as sleeping on your side? Share yours/read others': Stopping snoring Past topics: View all CHEAP FLIGHT SALES ALERT
Airline: Monarch Offer: Up to £25 off selected return summer flights Ends: Thu 8 May
Our pick this week is Monarch's* up to £25 off selected return summer flights. The sale's on till Thu 8 May, it includes taxes & most charges (excludes credit card fees). It's for flights until 31 Oct 2014 to 11 Spanish destinations from 6 UK airports. To find flights quickly, use the FlightChecker on a return search. We found Manchester-Barcelona for £45 outbound and £38 inbound. 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 tips for buying repossessed homes
Get a mortgage in place before making an offer, watch for scaremongering estate agents and get set to move in quickly. Once you're inside, check the gas and electricity hasn't been disconnected and get set to put a lot of work in. back to top ↑ |
| | |
Martin's blogs | Martin's appearances 8 May
Good Morning Britain, ITV, 6am-8.30am.
Deals of the Week. | 8 May
Shelagh Fogarty, Radio 5 Live, 12pm-1pm.
Consumer Panel.
Subscribe to podcast. | 12 May
This Morning, ITV, 11am-12pm.
Subject tbc. | |
MSE team corner - Team appearances:
- No team appearances this week.
| Discussion of the week Wedding saving Our forumites are always looking for ways to cut costs. Andy_89 asks for tips on saving for his impending nuptials in the Wedding saving/savings discussion. Able to offer a hand? | Cheap travel money |
This week's poll: Does mental health affect your debts? We're updating our research on links between mental health issues & debt problems. It's argued either one can cause the other. If you’ve been affected, see our Mental Health and Debt guide.
Please answer the question below. NOTE: Please exclude mortgages and student loans from the definition of 'debt'. | Poll results Are wind farms an aye-eye or an eyesore?
Just 28% of voters thought wind farms were an eyesore.
- 10% thought they were unattractive but worth promoting.
- 32% thought complaints were overblown.
- 29% called them beautiful, like modern windmills.
13,259 voted. See the full results. |
| Q: My flat is infested by rats and has multiple leaks. I've told the landlord and letting agent, but they won't fix it. What are my rights to break my contract early to get out of there? Gary, via email. MSE Jenny’s A: It's too risky to just do a runner - legal experts we asked couldn't agree on whether this was a safe option and you could still be liable for the rent. Ask your landlord if they'll agree to you leaving early. If not, check your contract for a 'break clause', which lets you end the agreement early. These vary, so read yours for the notice period and other requirements.
If no luck, write a formal letter to your landlord about the problems. Also gather photos and other evidence. The next step's to contact your local council for advice - it can try to negotiate with your landlord to do repairs.
If you hit a brick wall, it may be possible to go to court to get repairs done or get compensation. Before you get legal, you're expected to try to resolve things directly, so write to them first warning you're considering court action. Go to Shelter for template letters. For more help on renting cheaply and safely, see Renting Tips. Please suggest a question of the week (we can't reply to individual emails). |
 Charlotte's free game of the week: Music in Motion |
Mars, Saturn or Venus: Which planet are you? That's it for this week, but before you go, have you ever wondered which planet you're most like? Find out which one you're most akin to in this entertaining (but wholly unscientific) quiz. 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 billmonitor.com, moneysupermarket.com, mobilephonechecker.co.uk, omio.com, giffgaff.com, dialaphone.co.uk, secure-mobiles.com, directmobiles.co.uk, virginmedia.com, insurance2go.co.uk, gadget-cover.com, o2.co.uk, nationwide.co.uk, halifax.co.uk, barclaycard.co.uk, tescobank.com, santander-products.co.uk, mbna.co.uk, lloydsbank.com, gocompare.com, directline.com, aviva.co.uk, admiral.com, cbonline.co.uk, ebay.co.uk, firstdirect.com, comparethemarket.com, confused.com, postoffice.co.uk, talktalk.co.uk, 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 |
No comments:
Post a Comment