Ikea trick, top savings in 2018, £8/mth bband, free Tempur, cheapest EVER loan, Virgin TV rights, hosepipe help, £25 Nectar, hols hacks, hot Samsung S9

Hi - here are your latest deals, freebies, tricks and messages to help you save.

                                                           

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CARDS RECLAIM UTILITIES BANKING DEALS TRAVEL INSURANCE MORTGAGES SHOPPING INCOME

 

THE TOP TIPS IN THIS EMAIL After your feedback, links directly below now go to the online version of this email. Ends Thu. Wow. '£8.33/mth' b'band New. Top savings: 1.4% easy access + £50 boost on 1yr fix 10 holiday hacks before you go New. Cheapest EVER loans Free £50 Tempur travel pillow Eat 'free' at Ikea Anger as Virgin ditches channels - your rights  Heatwave savers, incl hosepipe help & water freebies Ending. £25 Nectar points trick 180+ FREE museums & galleries Stream music with no ads for FREE Free financial education textbook 30% off Christy towels & bedding Cheapest Samsung Galaxy S9  Cornerstone shaving set £19 all-in  BEST BUYS & TOOLS Credit Club incl free credit report 0% Balance Transfers Compare Broadband Deals Cheap Car Insurance Best Bank Accounts Top Savings Accounts Credit Cards for Bad Credit Cheap Energy Club Credit Card Eligibility Calculator Loans Eligibility Calculator Mortgage Comparison Free online complaints tool - Resolver Compare Travel Money Best Sim Only Deals

Ends Thu. Wow - broadband & line '£8.33/mth'... cheapest in 16mths That's an annual equiv cost of just £100 before calls. As millions pay £400+/yr, huge savings are possible... but the clock's ticking Forget the heatwave, the broadband and line rental price war threatens to reach boiling point. On Fri, Sky launched a scorching deal that's the equivalent of £8.33/mth, since then Plusnet's responded with a barnstormer, while Vodafone and TalkTalk have launched hot fibre deals too. All are short lived and as they're switchers' deals, they're only available to new customers.  To make it easy for you to compare, we use 'equivalent prices' - we add up all costs (barring calls), take off any promotional cashback or vouchers and average it out over the contract. Can you get 'em? As all broadband deals are postcode-dependent, use our Broadband Unbundled tool to find the best in your area (links in the table go there). All of these deals are available to at least 80% of the UK, so coverage is decent.  TOP NEWBIES' (1) BROADBAND AND LINE DEALS PROVIDER & LINK PRICE & HOW IT WORKS Standard speed broadband - 10-11Mb Sky  Ends Thu. '£8.33/mth' over 1yr contract. You pay £20/mth plus £9.95 upfront, but you can claim a £50 prepaid Mastercard & £100 M&S voucher (don't forget). Factor these in & the price is an equiv £8.33/mth over the year. Note, you don't need to take its TV. Plusnet  Ends next Tue. '£10.24/mth' over 1yr contract. You pay nothing for b'band & can pay £197.88 line rent upfront & claim £75 cashback (don't forget). Do all that & it's equiv £10.24/mth. Pay line monthly & it's equiv £12.74/mth. Fibre broadband - 35Mb TalkTalk  Ends Sun. '£18.89/mth' over 18mth contract. You pay £22.50/mth & £9.95 upfront but can claim a £75 vch to use at Amazon, Tesco, Argos or Ticketmaster (don't forget). If you spend it, the price is an equiv £18.89/mth. BEWARE - in our polls TalkTalk's consistently worst of the biggies on customer service. Vodafone  Ends next Tue. '£19.23/mth' over 18mth contract. You pay £22/mth but can claim a £50 Amzn vch (don't forget). If you spend it, the price is an equiv £19.23/mth. Fast fibre - 63Mb TalkTalk   Ends Sun. '£21.39/mth' over 18mth contract. You pay £25/mth & £9.95 upfront but can claim a £75 vch to use at Amzn, Tesco, Argos or Ticketmaster (don't forget). If you spend it, the price is an equiv £21.39/mth. BEWARE - in our polls TalkTalk's consistently worst of the biggies on customer service. Vodafone  Ends next Tue. '£24.23/mth' over 18mth contract. You pay £27/mth but can claim a £50 Amzn vch (don't forget). If you spend the vch, it makes the price an equiv £24.23/mth. (1) Usually this means customers who don't currently have broadband with that company - see each firm's rule when you click the link. Top broadband-switching tips What speed do you need? If you're just browsing, doing light streaming or sending and receiving emails, standard speeds of an average 10Mb-ish should do. Fibre - with avg speeds of 36Mb-ish - is best for large households online at once, gamers and heavy streamers. The faster you go, the more of a luxury it is. Big firms give estimated speeds before you sign up, and you can check your broadband speed via special tools. Can I get broadband without a phone line? Virgin is the only major provider to offer it but it's far more expensive than the deals above with broadband AND line. If you won't use a phone, just don't plug one in. Don't want to switch? Haggle. The best savings come via switching, but big broadband firms are some of the easiest to haggle with. In our last haggling poll, 86% of Sky customers who replied said they had success haggling, BT 72%. Full help in Broadband Haggling. Could the providers hike prices? Sadly, telecoms firms often do, though if that happens and you weren't warned before sign-up you can leave penalty-free. But check if there's a better deal first.

 

 

DON'T believe the fake ads on Facebook Lots of scam ads that litter social media lie that we or Martin promote Bitcoin, binary trading etc. See Fake ads warning.

 

 

 

New Top Savings  - New 1.4% easy-access deal - best we've seen in 2018 - Free £50 boost on 1.95% 1yr fix (equiv 7% on £1,000)   For nearly a decade savings rates have had as little interest as a Love Island contestant has in excess body hair. But things are finally picking up a touch, possibly as an increase in the UK base rate - the Bank of England's official borrowing rate - is now plausible. This week, two new market-leading deals have launched - so EVERYONE should check their current savings rates, and ditch and switch if these beat them.  New. 1.4% easy access - simple, easy option. Coventry BS* pays 1.4% AER (0.4% is a 1yr fixed bonus), yet if you want to take money out often, beware it only allows 3 penalty-free withdrawals a year. Birmingham Midshires* offers 1.35% AER with unlimited withdrawals, but you must make your first deposit by cheque and unusually it closes after a year. Paragon pays 1.31% AER, has unlimited withdrawals and no end date. As these are variable accounts, the rates can change, so monitor them. You can open with £1+ and they full UK £85,000 savings safety protection. Full info and options in top easy-access savings. New. How to earn £50 cashback on near-top 1.95% 1yr fixed savings. Raisin* is a 'savings marketplace', first set up in Germany and now in the UK. It offers a range of accounts from some UK savings providers (though far from all), which its members can speedily switch between without lengthy application forms. Newbies opening an account get £50, and the min deposit per account is £1,000. The top-pick Raisin product is ICICI Bank's 1yr 1.95% fix, only a touch less than the market's 2.1% top 1yr fix (with all fixes your money's locked away for the term). Put £1,000 in and over the year, incl cashback, you'll get £69.50 back, equiv to 6.95% interest. In fact with cashback it beats the best 1yr fix when saving up to £33,333 (though you could just put £1,000 in ICICI, and the rest in the top fix to get more). After the year, withdraw or move it to another Raisin account, as there's no further interest. - Important: Annoyingly you must claim the cashback. After opening ICICI via Raisin, pay in within 5 working days via a bank transfer to Raisin's partner Meteor Investment Management (MIM) account, and it'll earn ICICI interest within 3 days. Then to claim the cashback, email 'bonus@raisin.co.uk' with the subject line 'Launch bonus' and your name within 30 days - it won't remind you. The £50 will be paid within 60 days. Though we should say, as it's newish we've no real customer service feedback yet (do let us know). - Are my savings safe with Raisin? Technically your money is held in trust in an MIM client account - with RBS for up to 3 days, then with whichever bank you save with. Yet the Financial Services Compensation Scheme has confirmed in this type of structure you still get the UK £85,000 per person, per institution savings safety protection of the account provider, ie, ICICI (in the few days before it gets to ICICI it's via RBS's protection).

 

Eat 'free' when you shop at Ikea. To find out how to get 'free' meals at its canteen, see eat for 'free' at Ikea. Annoyed at Virgin ditching 10 UKTV channels? Tool up on your rights. See Virgin rights, incl Martin's fight back video. Free £50 Tempur travel pillow. Just for lying down in a store and doing a survey - a freebie to dream about. Free Tempur pillow Stay cool: heatwave & hosepipe help - Hosepipe ban help - can you still legally water your garden? - Water-saving FREEBIES eg, water-regulating shower head (norm £20) - Cheap fans from £8 (but limited stock) - Plus our full 16 MoneySaving tips to beat the heat Ends Mon: Trick to grab £25 in Nectar points via Sainsbury's credit card. Accepted new Sainsbury's Bank credit card-holders (eligibility calc / apply*) get 500 bonus Nectar pts (worth £2.50) per £20+ spent on it at Sains in the first 2mths, up to a max 5,000 pts (so split big shops to max the gain). There's nowt stopping you getting it for the points, and just paying it off IN FULL. Is it a good card anyway? Its 28mths' 0% spending period is the joint longest, so if you need to borrow within that time (ensure it's planned, budgeted and affordable) it's good. Fail to clear it before the 0% ends, or miss a payment, and it jumps to 19.9% rep APR. See 0% Credit Cards (APR Examples).

 

 

BLAGGED FOR MSE - 30% off Christy towels, bedding etc code Ends Sun - Cornerstone shaving set £19 all-in (norm £36) 7,000 avail	DID YOU MISS? - School's out... 100+ cheap or free summer holiday ideas  - Spend £1ish, get 2for1 at restaurants FOR A YEAR  - £30 of FREE drinks, incl FIVE free pints  - Martin's drugs bust watched by 7.5m people

 

 

10 overseas holiday hacks before you go Cheapest euros, free translator, sun-cream trick, EHIC warning & more If you're counting down the days to an overseas summer adventure, we've packaged up a plane-load of quick tips and tricks to help you stretch your pound further, while enjoying sun, sea, sand and... sangria. So buckle up, here we go... Beat airport rip-offs. Free water, no car drop-off fees, show boarding pass in shops? Airport rip-offs Free app to translate 59 languages - and it won't use your data. See free translator.  ALWAYS pay in local currency on card. See Martin's pay in euros explanation. Turn used sun-cream bottles around before buying more. For why, see our sun-cream saving trick. Also find £1 sun creams. Eat 'free' at 35,000 feet. Food's not restricted at security, so take your own to avoid stale sarnies at sky-high prices.   Pack kids' car seats for free. They can cost £5+/day from hire firms, but see which airlines let you take one free. Is your EHIC out of date? 5m expire in 2018. How to check and renew for free. Find the best foreign cash rates from 30+ bureaux. Our TravelMoneyMax comparison takes seconds. Driving to France? Check if you need a sticker to avoid a £60 fine. Get car-ready across the Channel. Sunning yourself in Spain, partying in Paris or relaxing in Rome? Check out our MoneySaving destination guides to... Amsterdam | Barcelona | Costa del Sol | New York | Paris | Rome

 

180+ FREE museums & art galleries, incl V&A (London) & Museum of Science & Industry (Manchester). Perfect for the summer hols. Find your nearest Stream music with no ads FREE for 6 months. Handy if you've used up other free trials. Tidal save  Secondary school teachers, spread the word about the new FREE financial education textbook. Martin's funded the Young Money charity to write and send up to 500,000 copies of the first-ever financial education curriculum-mapped textbook to all English state secondary schools. Please tell colleagues to expect it. Full info and Martin's video 30% off Christy towels, bedding etc. MSE Blagged. Incl sale, eg, £25 bath sheet for £8.25. Christy code Cheapest Samsung Galaxy S9 contracts for mid/high data users. Vodafone newbies can get the S9 on a 2yr contract with unltd mins & texts. You can choose 4GB data* for £100 upfront, then £23/mth, or 20GB* for £50 upfront, then £30/mth. To get these upfront prices, you'll need to click 'Add Voucher' at the basket stage and use code MOBILES10. This beats buying the phone and Sim separately - usually the cheapest way to buy a new handset - by up to £280 over the 2yrs. S9 deals Cornerstone shaving set £19 all-in (norm £36). MSE Blagged. Incl personalised engraved razor, six blades, face wash, scrub, gel and balm. 7,000 avail. Shaving set

 

 

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AT A GLANCE BEST BUYS 0% balance transfers Longest 0%: MBNA* up to 36mths 0%, 2.49% fee (19.9% rep APR) No-fee 0%: Santander* 27mths 0%, no fee (18.9% rep APR) Car insurance Get comparison site quotes in this order: Confused.com* MoneySupermarket.com* Compare The Market* Gocompare* Then check insurers they miss:  Direct Line* Aviva* Cheap loans Cheapest for £5,000-£7,499: Sainsbury's Bank* 3.2% rep APR (Nectar custs, 1-3 yrs)   Cheapest £7.5k-£15k: Sainsbury's Bank* 2.7% rep APR (Nectar custs, 1-3 yrs)    Broadband top picks Standard b'band & line rent: Sky equiv £8.33/mth  Fibre b'band & line rent: TalkTalk equiv £18.89/mth Best bank accounts Choice of £150 Expedia vch, tech gadget & more: First Direct 5% interest fixed for a year: Nationwide FlexDirect   Top savings accounts Top easy-access: Coventry BS 1.4%, min £1 Top one-year fix: Hampshire Trust Bank 2.1%, min £1,000

 

New. Cheapest EVER loans - from 2.7%  As we always say, only borrow if you NEED to. And now if you need £5,000+, rates have never been lower Well, call us Mystic Meg, but as we predicted last week there's a new cheapest-ever loan of 3.2%, if you need to borrow £5,000 to £7,499. And that's not it, as rates were already at their cheapest ever level for £7,500 to £15,000 sums - at 2.7%. Yet however much you borrow, getting accepted is the issue, so ALWAYS use our Loans Eligibility Calculator first. It shows which (of most, not all) top loans you've the best chance of getting before you apply, without hitting your creditworthiness.   Should you get a loan? We're not saying do it as it's cheap. Only apply if you NEED one, you've budgeted and can afford repayments. If in doubt, don't risk it. Also see our golden rules below for more help.   Cheapest personal loans (but beware representative rates). As all loans are 'representative APR', that rate ONLY needs to be given to 51% of those accepted - others can be charged more. All below are for 1-5yrs.  TodAy's cheapest loans AMOUNT PROVIDER & RATE (REP APR) £7.5k-£15k Sainsbury's Bank* (needs free Nectar card) - 2.7%-2.8%, Cahoot* - 2.8% £5k-£7,499 New. Sainsbury's Bank* (needs free Nectar card) - 3.2%-3.3%, Zopa* - 3.4% £3k-£4,999 Zopa* - 5%-6.9%, Admiral* - 6.7% £2k-£2,999 Zopa* - 6.9%-7.9%, Ikano Bank - 7.8%. But usually beaten by credit card loans.  £1k-£1,999 CU Loans* - 8.9% (min £1,500), Zopa* - 9.5%-9.9%. Usually beaten by credit card loans.  With Nationwide? It beats most rates by 0.5 percentage points for Nationwide current account holders. Loan Golden Rules. Full help in our Cheap Loans guide. a) Minimise the amount and repay as quickly as you can. b) Pay on time or risk a charge and credit black mark. c) If borrowing to repay card debt, balance transfers are often cheaper.

 

Fun summer activities (and life skills) for 16-17-year-olds for £50. Government-backed Eng and NI scheme incl nights away - gets teens abseiling, canoeing and more during the summer hols. National Citizen Service A YEAR'S 2FOR1 MEALS AND MOVIES FOR LESS THAN £2 - SUCCESS OF THE WEEK:  "Thank you for sharing the Meerkat Meals deal - I bought £1.17 travel insurance and got 2for1 movies and meals just in time for the school hols." (Send us yours on this or any topic.) Free MOT reminder - helps avoid £1,000 fine. Takes just a minute to set up. Free MOT reminder

 

THIS WEEK'S POLL Do you just head to Amazon when you shop online? Last year, retail heavyweight Amazon reportedly accounted for over a third of online spending in the UK. So we want to know if you compare prices when shopping online, or whether you just head to Amazon out of habit? Just head to Amazon when shopping online? Roughly HALF the self-employed don't contribute to a private pension. Last week we asked how much you save into a pension - over 8,000 responded. Half of those who are self-employed are not paying into any private pension, while the vast majority of employees are - with over-35s generally saving more towards retirement than under-35s. See our full pension poll results.

 

 

MONEYSAVING NEWS - Top story: 'Smart meters will save consumers just £11 a year'  - Starling Bank launches vertical debit card  - Ryanair clashes with two regulators over strike compensation  - Revealed: How exchanging €100 the wrong way can cost you £20 extra  - Leaves, heat or snow - which seasonal hazard causes the most train problems?

 

 

MONEY MORAL DILEMMA Should I report my broken meter to my energy supplier? I have Economy 7 electricity. I've just noticed something wrong with my meter, meaning I'll pay less in future. Should I report it to my supplier? Enter the Money Moral Maze: Should I report my broken meter? | Suggest an MMD | View past MMDs THE QUICKIES - Debt-Free Wannabe chat of the week: Struggling with debt? Ask a debt adviser a question - Competitions thread of the week: Fitbit fitness tracker - Old-Style board thread of the week: Instant Pot/Crock-Pot Express - Family, marriage, relationships chat: Kids' funny/weird comments - Discussion of the week: Can holiday provider say price is wrong after booking?

 

Quick deals Free beer, ale or cider - 50,000 avail across 2,000 pubs Brewdog - £20 beer tasting & cheese platter for two Free tea & coffee - eg, free hot drink via Greggs app Railcards - how to get a £10 railcard (norm £20-£30) Wilko - 50% off pick & mix sweets Restaurant deals Toby Carvery - £15 for 2 mains, 2 drinks Pizza Hut - £7 for unlimited pizza & pasta KFC - Free wings, fries or popcorn chicken Just Eat - 20% off selected takeaways Prezzo - 30% off food (excludes Sat) Kids' summer holiday savings Free sports - incl 'Swim Safe' sessions Free in-store activities - incl pet and garden workshops Cinema - from £2.50 kids' screenings Books - 10 kids' picture books for £10 mix & match at The Works Theme parks - incl half-price entry to Alton Towers or Sea Life Quick Forum Tips Free England T-shirt from Sports Direct. Back of the net Sainsbury's Tu 50% off sale. Tu good tu miss Aldi Super Six fruit and veg offers. Cool as a cucumber

 

 

DEALS HUNTER BLOG - How to eat for 'FREE' in the Ikea restaurant  - Stream music with no ads FREE for 6mths

 

 

MARTIN'S APPEARANCES (WED 25 JUL ONWARDS) Thu 26 Jul - Good Morning Britain, ITV, Deals of the Week, 7.40am Fri 27 Jul - This Morning, ITV, Martin's Quick Deals, from 10.30am Mon 30 Jul - This Morning, ITV, from 10.30am Mon 30 Jul - BBC Radio 5 Live, Lunch Money Martin, noon. Listen again MSE TEAM APPEARANCES (MOST SUBJECTS TBC) Wed 25 Jul - BBC Cumbria, Money Talks with Ben Maeder, from 6pm Fri 27 Jul - BBC South West stations, Good Morning with Joe Lemer, from 5am Fri 27 Jul - BBC Radio Leicester with Ed Stagg, 10.45am, cheap things to do with the kids in the summer hols Mon 30 Jul - TalkRadio, Breakfast with Julia Hartley-Brewer, 9.45am Tue 31 Jul - BBC Radio Cambridgeshire with Jeremy Sallis, 2.20pm

 

QUESTION OF THE WEEK Q: If two friends are buying a flat together in London worth £500,000 and are first-time buyers, can they both use their Help to Buy ISA and get the 25% bonus on their savings? Dette, via email. MSE Rosie's A: Unfortunately, as you're buying a flat in London worth more than £450,000, neither of you will be able to get your 25% bonus and use it towards the purchase. However, if you were jointly buying a flat worth up to £450,000 (or £250,000 outside London) you WOULD both be able to use your Help to Buy ISA money and bonuses towards it. For more on Help to Buy ISAs, and the similar Lifetime ISA which also gives a 25% boost to first-time buyers, see our Help to Buy ISA and Lifetime ISA guides. Please suggest a question of the week (we can't reply to individual emails).

 

MSE SPORTS DAY 2018 - THE WINNERS & LOSERS That's all for this week, but before we go... the annual MSE sports day was held last week in blistering temperatures, and the competition was equally hot. Want to know how everyone got on in the 100m, plank challenge, limbo and good old three-legged race? For the lowdown, and loads of pics too, see our MSE sports day forum thread.  We hope you save some money, 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 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 MoneySavingExpert and Martin Lewis What is MoneySavingExpert.com? Founded in February 2003, it's now the UK's biggest consumer help website with more than 12 million people getting this email and about 13 million using the site every month. In September 2012 it became part of the MoneySupermarket Group PLC. Its focus is simple: saving cash and fighting for financial justice on anything and everything. The site has over 80 full time staff, more than a third 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 is chairman of MSE. He's an ultra-focused money-saving journalist and consumer campaigner with his own ITV prime-time show The Martin Lewis Money Show and weekly slots on Radio 5 Live, This Morning and Good Morning Britain, among others. He's a columnist for publications including the Telegraph, Sunday Mirror and Woman magazine. More info: See Martin Lewis' biography. What do the links with an * mean? Any links with an * 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 products at all and the editorial line (the things we write) isn't changed due to them. 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 coventrybuildingsociety.co.uk, birminghammidshires.co.uk, raisin.co.uk, sainsburysbank.co.uk, mobiles.co.uk, mbna.co.uk, santander.co.uk, confused.com, moneysupermarket.com, comparethemarket.com, gocompare.com, directline.com, aviva.co.uk, zopa.com, admiral.com, culoans.co.uk Financial Conduct Authority (FCA) Note MoneySupermarket.com Financial Group Limited is authorised and regulated by the Financial Conduct Authority (FRN: 303190). MoneySavingExpert.com Ltd is a company registered in England and Wales. Company Registration Number: 8021764. Registered office: One Dean Street, London, W1D 3RB. MoneySavingExpert.com Limited is an appointed representative of MoneySupermarket.com Financial Group Limited. To change your email or stop receiving the weekly tips (unsubscribe): Go to: www.moneysavingexpert.com/tips.