FIX energy now, free £175 ends, B&Q 10% off, Are u due £3,900/yr + winter fuel help?, Ted Baker specs £37, 100GB Sim '£7/mth', car boot tricks

Plus... car finance mis-selling decision delayed, 132Mb b'band '£21/mth', 20mths' 0% spending + £25

                                                           

30 July 2024 | View in browser

Banking & Savings Household Bills Deals Insurance Cards & Loans Mortgages Income Reclaim

 

THE TOP TIPS IN THIS EMAIL Energy Price Cap likely to RISE 10% in October but...  - You can FIX at today's prices - Or special tariffs might be cheaper New. Top 20mth 0% spending card + £25 Aged 66+ on a low income? Check if you're due £3,900/yr + winter fuel help  Ends Wed. FREE £175 bank switch Starts Fri. B&Q 10% off Stop press: Car finance mis-selling decision delayed to May 2025 - but get complaints in NOW Coupons: Free £3.50 cereal, free £3 beer, free £2 pretzels & more Ends Thu. 132Mb broadband '£21/mth' Martin: Can retailers refuse returns? Warning - don't fall for the estate agent hard-sell on brokers / solicitors 5 steps for EVERYONE with credit card debt to slash costs Cheapest 100GB Sim - '£6.67/mth' Martin's pod: 800,000 miss £1,000s in childcare help 1st sub-4% mortgage since Apr launches £135 Ted Baker specs £37 Top car boot sale tips & tricks In education? 10% off iPad / Mac + up to £120 gift card Carpetright administration - your rights This week's best buys: 29mth 0% debt shift | 5.2% easy access | 6.1% loan Should I keep train delay compensation on an expensed ticket? BEST BUYS & TOOLS MSE Cheap Mobile Finder Credit Club including free credit report 0% balance transfers Compare broadband deals MSE Car Insurance Compare+ Best bank accounts Top savings accounts Credit cards for bad credit Credit Card Eligibility Calculator Loans Eligibility Calculator Mortgage comparison Compare travel money Cheap Energy Club Best Sim-only deals

New. Cheapest 1 year fixed energy deals - including from British Gas The Energy Price Cap is likely to RISE 10% in October, and stay there across winter - but you can FIX at current prices or less right now Sadly the energy price crisis is far from over. While things have improved, the strong likelihood is we'll be told at the end of August that the Energy Price Cap - which dictates the bills of over 80% of homes - will rise substantially, probably around 10%, on 1 October.  And it's then predicted to stay around that level in January when the next quarterly change takes place.  Yet those who switch are likely to be able to forestall these rises by LOCKING IN to a fixed deal now (the speedy thing to do is find your cheapest via a Cheap Energy Club comparison). Let's get into it... 1. Fix what you pay for a year at 1% LOWER than the current Price Cap, and far lower than the predicted Cap from October. With the Price Cap predicted to rise, this looks a strong time to fix. Here are today's cheapest deals - though your cheapest depends on where you live, how you pay, and how much you use, which is why it's best to go via our comparison. Cheapest standalone energy fixes - all for 1yr (1) Links go via Cheap Energy Club to give you a personal comparison. Vs current Price Cap (2) Outfox the Market Fix'd Dual Jul24 v3.0 - New & existing Outfox customers - Dual fuel only - Direct Debit only  - DOESN'T require a smart meter 1% less on average - £25/fuel exit fees British Gas Fixed Tariff 12M v8 - New & existing British Gas customers - Dual fuel or single fuel  - Monthly Direct Debit / cash /  cheque  - DOESN'T require a smart meter Same as Cap on average - £50/fuel exit fees - £20 MSE Cheap Energy Club cashback (new Direct Debit customers only)  EDF Essentials 1yr Aug25  - New & existing EDF customers - Dual fuel or elec-only - Monthly Direct Debit / cash / cheque or on prepay if you have a smart meter  - Need to have/apply for a smart meter Same as Cap on average - £25/fuel exit fees Ovo 1 Year Fixed  - New & existing Ovo customers - Dual fuel or elec-only  - Monthly Direct Debit only - Need to have/apply for a smart meter 1% more on average - £75/fuel exit fees (1) Standalone means you needn't sign up to other products, eg, Ovo has a separate cheap fix including boiler cover & Utility Warehouse has a multi-service tariff - these are still included in your comparison results though. (2) 'Averages' are based on regulator Ofgem's typical Direct Debit usage figures. Update: Cheap Energy Club now has bespoke help for those on both dual-fuel and fixed tariffs. We initially launched our comparison at speed and only had bespoke help for those on dual-fuel monthly Direct Debit price-capped tariffs. We've been hard at work since and now have help for those on fixes too. If you're in either camp, you can now see our guidance in the Club on how predicted changes in the Price Cap will affect what you pay over the next year and whether a fix might be right for you. On single-fuel, Eco 7, prepay or pay by quarterly cash or cheque? We're still working on adding bespoke help to the tool for you. 2. There aren't just fixes - you can get a tracker tariff too, including lower standing charges, and specialist deals. There are a number of options tough to display via the traditional comparison site model (we're trying to work through how to get it right for the future as this becomes more common) and even to fit into a table, so let us walk you through the main ones... There are two tracker tariffs - basically discounted Price Cap deals - one has lower unit rates, the other lower standing charges. Both EDF and E.on have variable tariffs which track 3% below the Price Cap for 12 months (so when the Cap rises, so will these tariffs) - but they work slightly differently to each other:  - E.on Next Pledge. Here, it's the unit rates that are discounted, so this tends to be better if you're a higher user (as usage would make up a higher proportion of your bill over the standing charges). You'll need to pay by monthly Direct Debit, and either have or apply for a smart meter. Full info: E.on Next Pledge.  - EDF Ensure*. With this tariff, the standing charges are discounted, so it tends to be better for lower users (where the standing charges are a larger proportion of your annual bill). It's available to Direct Debit, on receipt of a bill or smart prepay customers who have (or apply for) a smart meter, and there are £50 per fuel exit fees. Full info: EDF Ensure.    Octopus Tracker & Agile (for its existing customers) can be substantially cheaper. Existing Octopus customers can switch to its Tracker tariff, where rates change daily based on wholesale costs, so when they're low, it's cheap. It's been a big winner; 31% cheaper than the Price Cap on average over the last year, but of course you must be aware there's a risk it can go the other way... if wholesale rates rise, it could be substantially more expensive. Also, its electricity-only Agile tariff's rates change half-hourly, based on wholesale prices - good for those who can shift their usage nimbly to take advantage of super-cheap times.   Not with Octopus? To get these, you could first try switching to the Octopus Price Cap tariff, then, once in, switching to one of these (if they're still available). Got an EV? Consider a dedicated tariff. Several suppliers have launched specific two-rate tariffs that offer cheaper electricity overnight for charging your electric vehicle (EV). If the cost of charging your car makes up a decent proportion of your electricity usage (or you can shift other usage to these hours), these can work well. See what's available in our EV tariffs guide. Want to fix for longer than a year? There are some tariffs. They're not that cheap. And frankly we can't help you decide. There are simply no assessments of what'll happen to prices at that time, in such a volatile market as we have now. Yet if you really value certainty, it may win out with hindsight. See longer fixes. 3. The predicted Price Cap RISES in detail. If you're in England, Scotland or Wales and aren't on a fixed energy tariff, you, like 80%+ of homes, are likely on your provider's default standard variable tariff, which is 'protected' by the Price Cap. This sets a maximum standing charge and unit rate for each region - though remember this only applies to default standard tariffs, not other tariffs, such as fixes. As the Price Cap moves mostly based on a published algorithm, which itself is based on a set of (year ahead-ish) wholesale costs (which the energy retailers pay), they're predictable. We're nearly at the end of the assessment period for the October Price Cap (it runs 17 May to 16 Aug), so predictions now should be pretty solid. Below are the predictions from analysts Cornwall Insight from a few weeks ago, and - over the next year - they are within 1%-ish of predictions that came out this week from EDF's price forecasting service. So as both seem to be broadly in sync, they're likely pretty close. 1 Oct 2024 1 Jan 2025 RISE 10% (prediction) So £100 now would cost £110 then STAY FLAT (crystal ball prediction) So £100 now would cost £110 then Predicted average over the whole next 12mths:  9% MORE than now Cornwall Insight doesn't currently have any predictions beyond next March, though EDF is suggesting that the Price Cap will stay roughly flat after October's drop and that'll remain the case well into next year. Of course, this isn't set in stone - the predictions can significantly change over time. But at the moment, it looks like anyone who sticks on the Price Cap will pay about 9% more over the next year than they do now - which is why those fixes look good value. 4. Can you cut your bills by cutting your energy usage? Obviously, cutting use cuts bills - and hopefully there are cuts you can make to improve efficiency that don't affect your lifestyle too much. Start with energy saving tips, then add in the Energy mythbusting guide for less clear-cut issues. 5. What to do if you're struggling to pay. If you're struggling, it's always worth talking to your energy firm. Be polite and straight with it, and make sure you explain if you're vulnerable. There can be hardship & debt grants from energy suppliers for some on the lowest incomes. For far more guidance, see our full What to do if you're struggling to pay energy bills guide.

 

 

DON'T believe the fake 'Martin Lewis' or 'MSE' ads Lots of scam ads litter social media and even newspaper websites - some of these lie that we or Martin promote Bitcoin, binary trading etc. See Fake ads warning.

 

 

 

New. Top 0% credit card and/or easy free cash 1. Grab a FREE £25 cash. 2. Then, if needed, you also get 20mths 0% on new spending too This site was built on showing you how to use credit cards the right way, and manipulate them so you gain, if you can. These deals are fewer and further between these days, but this one caught our eye. Yes, it's encouraging you to spend, but done right, that can be neutered to allow you to grab a freebie AND cut the cost of any essential borrowing, without it costing you a penny (though if you're not financially savvy, or don't trust yourself with credit cards, stay safe, don't bother). Option 1. Just grab the free cash & pay the card off. HSBC's new credit card deal (link goes via our eligibility checker so you can see if you'll likely be accepted) gives £25 cashback to accepted newbies who spend £100+ on it within the first 60 days (it's then credited to your account within 60 days of your qualifying spend). So do your normal daily spending on it (it's not an excuse to spend more) to hit the £100, always paying it off IN FULL each month, and you nab the £25 for free. Option 2. It's also a TOP 0% spending deal, so if you need to borrow, you can't do so cheaper than this. Normally we talk about debt-shifting deals, but this isn't one of those. HSBC offers 'up to 20mths' 0% for new spending on the card. The 'up to' means some with poorer credit scores may be accepted and offered just 15mths 0% - though others can be 'pre-approved' for the full 20mths via that link (which goes via our eligibility calculator). Yet even though it's interest-free, unless you're stoozing, only borrow if you NEED to and only for a planned, affordable one-off purchase (eg, replacing a faulty fridge) - not to fill gaps in your income. If in doubt, don't borrow.  As for how HSBC stacks up, it's not the longest 0% spending card, but it's not far off. Barclaycard offers 'up to' a slightly longer 21mths 0%, though it doesn't give the £25. Or, NatWest gives all accepted customers a DEFINITE 19mths 0% - a strong option if you're not pre-approved for the other cards, as you're guaranteed the full length. If you do borrow on these cards, make sure you follow the Golden Rules... a) Pay at least the monthly minimum and stick within your credit limit, or you can lose the 0% and get hit with fees. b) Plan to clear the card (or balance-transfer) before the 0% ends, or these cards charge 24.9% rep APR interest. c) Don't use these cards to withdraw cash - it's not at 0%. Will applying for these cards affect my creditworthiness? Any full application leaves a mark on your credit file, even if you're rejected (hence why we say to use our eligibility calculator first). Lots of applications in a short time can have a small, negative impact. Yet for most with decent credit histories, applying for one card shouldn't be a problem. However, it's best avoided if you've an important credit application (eg, a mortgage or balance transfer) to do within the next few months. It's worth joining our free MSE Credit Club to find out more about how your personal credit situation stacks up.

 

I'll start with a ta-ta, for now, from me (Martin). For the next few weeks, I'm taking a mini-sabbatical, to focus on family, fitness, some Olympic watching, and recharging my batteries, as there's a lot to do this autumn & winter and I want to be on form to help. So the next few emails and the site will be in the overly capable hands of the MSE team. ENDS 11.59pm WED. FREE £175 to switch to top service bank + 7% reg savings + 0% overdraft. Last week we predicted First Direct's* FREE £175 would end soon. Now it's confirmed. The account got a 91% 'great' service rating in our last poll, has a linked 7% regular savings account you can put up to £300/mth in, and many get a £250 0% overdraft. Or, if you get this in time, you could grab Club Lloyds' FREE £175 switch bonus + perks (eg, 12mths' Disney+) before it ends at 11.59pm tonight (Tue). Full info in Best bank accounts. Starts Fri. B&Q 10% off most items. In stores & online. See how via B&Q 10% off. Stop press: Car finance mis-selling decision delayed to May 2025 - but get a complaint in NOW. Nearly two million people have complained via our free complaint tool but possible payouts have been delayed as the regulator, the FCA, has just said it won't rule until May 2025 (it was due Sep 2024), and firms will have until Dec 2025 to deal with complaints. Martin's had conversations with the regulator and been told: "Based on our work so far, [redress intervention] is more likely than when we started our review" - so while slower, payouts are more likely. See car finance delay news. Free £3.50 organic cereal, free £3 beer, free £2 pretzels, plus more coupons. July's 50+ coupons. Ends Thu. 132Mb Virgin broadband '£21/mth'. MSE Blagged. Switchers in 60% of UK homes can now get this 132Mb Virgin broadband & line deal for £26.50/mth, plus an automatic £100 bill credit, making it equivalent to £20.95/mth over the 18mth contract. Can't get Virgin? See MSE's broadband comparison for other options. Martin: Can shops and online stores refuse returns? Lots of talk on this, but Martin explains your rights. Warning - don't fall for the estate agent hard-sell on brokers and solicitors. They CAN'T force you to use their in-house services, though we know many try, using tactics that skirt the law. Your rights, and what to do if an estate agent tries it, are in our new Estate agent hard-selling guide. 5 steps for EVERYONE with credit card debt to slash costs... incl 0% POOR CREDIT deals. It was huge last week... and if you missed it, here are 5 steps to cut your debt costs. We explain that our 0% Cards Eligibility Calc includes special 'poor credit scorer' cards - offering up to 16mths 0% (top credit scorers can get up to 29mths). New. Cheapest 100GB Sim - '£6.67/mth'. Newbies to Smarty (uses Three's network) can get 100GB/mth of data for £10/mth, and CLAIM a £40 Amazon voucher (after six months). Factored in that's equivalent to £6.67/mth. It's a one-month contract, so you can cancel anytime. Want a different network? Use our Cheap Mobile Finder. New pod. 800,000 miss £1,000s in childcare help | Your big questions answered: Save or overpay mortgage? Pensions for kids? Can savings boost your credit score? etc. A must-listen pod as Martin answers your burning questions before taking a wee summer break. Listen via BBC Sounds | Apple Podcasts | Spotify (or wherever you get your Martin fix). PS: While Martin's off, BBC Radio 5 Live will be running some of his 'best-of' pods.

 

 

BLAGGED FOR MSE - 132Mb Virgin broadband '£21/mth' Ends Thu 1 Aug - £135 Ted Baker specs or sunnies £37 Ends Sat 31 Aug	DID YOU MISS? - Aged 66+ and ill or disabled? Over 1m missing out on £3,700/yr - 'Two-child benefit cap' confusion - watch Martin's 3min explainer - The UK's best cheese 'n' onion crisps - When will your student loan be wiped? - Martin's open letter to the Chancellor to fix unfair systems...

 

 

News: Winter Fuel Payments will no longer be paid to all pensioners It'll be a tough winter for many. Yet 800,000 are missing a pension boost of £1,000s & should claim it now. If you're age 66+ with income under £235/wk, DON'T STALL, JUST CALL We've long urged all lower-income pensioners to check if they're due Pension Credit. Now it's even more important. Yesterday, Chancellor Rachel Reeves said the up to £300/yr annual Winter Fuel Payment currently given to all pensioners in Eng & Wales will be restricted to only those on means-tested benefits - the main one for over-66s being Pension Credit. Yet there are 800,000+ over state pension age who are eligible but don't claim. So we've quickly put together this crucial reminder, for you, and for anyone you know who may be eligible. First, though, here's Martin's view on the Winter Fuel Payment change...  Martin: The Chancellor's restricting Winter Fuel Payments to just those on benefits - that's too narrow a group Pensioners were already due to get less this winter, as it'll be the first time since 2022 they haven't got the up to £300 extra winter fuel cost-of-living top-up. Add the fact the Energy Price Cap is likely to rise 10% by winter, and so the usual £100 to £300 Winter Fuel Payments will be crucial to many to stop energy bills being unaffordable. Of course there's an argument for ending its universality due to tight national finances, but in my view it's being squeezed to too narrow a group - just those on benefits and Pension Credit. Leaving, again, those just above the thresholds hardest hit. For how I think this could be tweaked, see my response to the Chancellor's Winter Fuel changes. 1. You can check if you're due Pension Credit via web or phone. So don't stall, just call. Actually we say call, but try www.gov.uk/pension-credit first if you can (the rhyme for online isn't as good). If not, call the helpline on 0800 99 1234 (N. Ireland 0808 100 6165). As for WHO SHOULD CHECK, Martin's designed a simple rule of thumb... If you're of state pension age (66 or older) and...  SINGLE: with total income under roughly £235/week A COUPLE: both of state pension age with total income under roughly £350/week Now, just to be more accurate, if your income is under £218 a week (£333 for a couple), you are very LIKELY to get Pension Credit, as this is the level of the full state pension it is meant to top up. If your income is £218 to £235 a week (£333 to £350 for a couple), there's a chance you'll get it, and generally it's higher if you claim certain disability benefits or have caring responsibilities. So if this is you, it's worth checking. In fact, in some circumstances you could get it even with higher income, but above these levels, it's much less likely, so we don't want to give false hope. Q. Can I get it if I'm a homeowner / claim other benefits / live with grown-up family? Yes. Q. What counts as 'total income'? Income from work, pension, state pension, some benefits, and savings/investments over £10,000 (each £500 of savings above this counts as £1 a week income). For more technical details, see our full Pension Credit help guide. 2. Pension Credit has a superpower... it's a gateway entitlement triggering many other boons. If you're entitled to the Guarantee Credit element, this also entitles you to a host of other state protections, including - as we've already discussed - the Winter Fuel Payment this winter.  Free TV licence for over-75s (worth £169.50/yr). See how to apply for your free TV licence. Housing Benefit worth £1,000s for some renters. Housing Benefit is an extra sum - the amount depends on where you live and how many people you live with. Council tax reduction. This can be worth £1,000s/yr. See how to cut council tax costs. Energy bill reductions. This includes £25/wk Cold Weather Payments and the £150 Warm Home Discount. There's also free dental care, vouchers for glasses and more - see full Pension Credit gateway benefits.

 

First sub-4% mortgage since April launches - but will others follow suit? See our mortgage rate analysis. £37 Ted Baker prescription specs or sunnies (normally £135). MSE Blagged. Via SpeckyFourEyes code. Car boot sales - how to make money (and have fun) selling unwanted stuff. MSE Jenny H is an old hand at car boots - so she's sharing tricks that've worked for her, from bumbag planning to holding your haggling nerve. Boot-iful Students, parents, teachers - buy an iPad or Mac and get up to 10% off, plus a free up to £120 gift card. Apple isn't MoneySaving, but if you're buying anyway, this is a cheaper way. Take a bite out of Apple's prices Carpetright falls into administration - your rights explained. Orders, warranties, gift cards and more. Carpetright

 

 

Tell your friends about us They can get this email free every week

 

 

AT A GLANCE BEST BUYS 0% balance transfers Longest 0%: Tesco Bank (check eligibility / apply*) - 29mths 0%, 3.49% fee (24.9% rep APR interest) No-fee 0%: NatWest (check eligibility, NatWest has asked us to link only to our calculator) - 13mths 0% (24.9% rep APR interest) Best bank accounts Ends Wed. £175 to switch + top service: First Direct £175 to switch + perks (eg, Apple TV+): Barclays Broadband top picks Fast fibre (100Mb): Virgin '£20.95/mth' Superfast fibre (500Mb+): Vodafone '£26.67/mth' On Universal Credit or similar? Check all discounted social tariffs Car insurance Try our Compare+ Car Insurance tool Cheap loans Cheapest for £5,000 to £7,499: Tesco Bank (check eligibility / apply*), 7.2% rep APR (for Clubcard holders) Cheapest for £7,500 to £15,000: Tesco Bank (check eligibility / apply*), 6.1% rep APR (for Clubcard holders) Top savings accounts Top easy access: NatWest Group's Ulster Bank 5.2%, min £5,000 Top fix: Allica Bank 5.15% for 6mths, min £1,000 Top energy deals Try our relaunched Cheap Energy Club Cheap Sims Up to 3GB data: Lebara, '£3.13/mth' for 3GB 4GB to 9GB data: Lebara, '£3.23/mth' for 5GB 10GB to 30GB data: iD Mobile, '£4.50/mth' for 30GB 31GB+ data: Smarty, '£6.67/mth' for 100GB

 

THIS WEEK'S POLL Are you on a fixed or a variable energy tariff? At the height of the energy crisis, 90% of households were on a standard variable tariff with prices dictated by the Energy Price Cap. But with the energy market slowly coming back to life and cheaper fixed tariffs available, we want to know whether you're on a standard variable tariff or whether you've fixed - and if so, how long you have until it ends. Vote in this week's poll. Chase and Starling tie for top banking service. Last week, we asked you to vote in our biannual banking customer service poll, and over 6,220 people responded. Of the banks with more than 75 votes, Chase was once again at the top of the table, this time tying with Starling, with 95% of customers rating both banks as 'great'. First Direct was close behind, at 91% 'great'. Meanwhile, Barclays was bottom of the pile, with 35% of customers rating it 'poor'. See full poll results.

 

 

MSE NEWS - Top story: Cheaper energy deals for switchers delayed as regulator maintains ban - Buy now, pay later regulation to go ahead - but timeline remains unclear - Bought insurance or got quotes on 19 July? You may not have seen the best deals - Carer's Allowance overhaul urgently needed, says charity Carers UK

 

 

MONEY MORAL DILEMMA Should I keep the delay compensation I got for the train ticket I'm claiming on expenses? I travelled to a meeting of an organisation I'm a member of by train, and I'm entitled to claim the cost of my fare on expenses. The train on the way there was delayed by 15 minutes so I made a Delay Repay claim and received £9 compensation. Once the expense is processed, I'll get the full cost of the fare back too. Do I keep the compensation as it's intended to make up for my wasted time, or offer it to the organisation as it paid for the ticket? Enter the Money Moral Maze: Should I keep delay compensation? | Suggest a Money Moral Dilemma (MMD) | View past MMDs

 

 

MSE TEAM BLOG - MSE Forum highlights: Saturday jobs, shower gel & sun cream

 

 

 

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 is now the UK's biggest consumer help website, with more than 12 million users each month and about 8.5 million receiving this email. 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 Lewis CBE is the founder and executive chair of MSE, as well as the founder of the MMHPI charity. He's an ultra-focused MoneySaving journalist and consumer campaigner with his own prime-time ITV programme The Martin Lewis Money Show, Radio 5 Live Wednesday show Ask Martin Lewis and weekly slot on This Morning, among others. 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 edfenergy.com, firstdirect.com, tescobank.com Financial Conduct Authority (FCA) Note MONY Group Financial Limited is authorised and regulated by the Financial Conduct Authority (FCA 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 MONY Group Financial Limited. To change your email or stop receiving the weekly tips (unsubscribe): Go to: www.moneysavingexpert.com/tips.