New council tax refunds, Is solar worth it?, GAIN pounds with Martin's workout, free Lego, school holiday help, £133 No7 £35

Plus... £5 school uniform, 1% cashback & 1.5% savings app, renew tax credits NOW, 2.7% loan

                                                           

06 July 2022 | View in browser

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THE TOP TIPS IN THIS EMAIL Martin's 5min (Digital) Wallet Workout to GAIN pounds How to survive the school holidays in a cost of living crisis Get tax credits? Renew NOW New. £150m council tax refunds - check if you're due Free Lego mini toy Are solar panels now worth it? £133 of No7 beauty for £35 Chase now has no wait: 1.5% savings, 1% cashback & top rates abroad School uniform sales on NOW 'Thanks. I got £1,500 pension credit AND an extra £185 every two weeks' Cost of living explainer for kids New. 2.7% loan if you need to borrow Amazon 'Prime Day' predictions 8 travel money must-knows Fibre broadband '£13.46/month' Grüum five-piece holiday set £15 This week's best buys, including 12GB Sim '£4.45/month', 1.56% easy-access savings, free £170 bank bribe Can I keep using my NHS discount card even though I've left? BEST BUYS & TOOLS MSE Cheap Mobile Finder Credit Club incl 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, incl Pick Me A Tariff Best Sim Only Deals

Martin's (Digital) Wallet Workout A 5-minute financial fitness class to GAIN pounds, £100s of 'em Get paid £170 to change debit card, regain lost Oyster cash, cut debts, free £264 Sainsbury's, condoms, coupons, 0% overdrafts & more The cards and products held in your purse or wallet are a window on your finances, so a regular quick check of what you're holstering can give an easy cash boost. Yet on Monday my quick Twitter poll showed over a quarter of the 18,000 voters no longer take a physical purse or wallet out, but instead rely on their phone's digital wallet. So my 2022 wallet workout is going virtual too (though I'd still keep one piece of plastic in the phone case, for when you run out of juice). So now I've put my cards on the table, it's time for you to do the same. Get your purse or (digital) wallet out, and let's get a fiscal sweat on... Had your debit card for years? Free £170 to get a new one. Debit cards are linked to bank accounts, and if you've had the same bog-standard account for years, unless it makes you feel special, why not get paid to ditch and switch to a new provider? - Top upfront free switchers' cash: HSBC Advance pays £170* - Big cash & no. 1 service: First Direct pays £150*, but has the big boon of being top for service, rated 90% 'great'. - Free cash & a bit of 5% interest: Nationwide FlexDirect pays £100 and 5% interest for a year, but only on up to £1,500 (so max gain £75). Do check the accounts' exact eligibility criteria, we list that and more options in Best bank accounts. Plus expect to pay in a set monthly amount (in most cases your salary) and shift direct debits. Some take a bigger bite of free cash, as Sami emailed us: "Me and my partner made an extra £800 last year by switching multiple times. We're now able to afford the dental work we need. Thanks a bunch." See how to do this safely in multiple switch help. Digital Wallet: All these debit cards can be put into Apple and Google Pay. Their apps are decent, though not outstanding like Monzo and Starling (but these two don't pay switchers). You could ditch your donor card. In England, Scotland and Wales you're automatically considered willing to be an organ donor unless you opt out. Yet donor cards do helpfully let your loved ones know your wishes. An easy digital alternative is to register your decision (Eng/Wales) or Scotland, so your family know your wishes, better still if you discuss it with them. In Northern Ireland, until 2023, you will still need to opt in to register as a donor. PS: You can be a living donor too. There are many ways to help while living, including blood & plasma donation, bone marrow donation, stem cells (age 16-30) & hair for young cancer patients. 40+ digital coupons, including free £2 Comfort, free £1.25 Tango, free £1 Ambrosia & more. The days of clipping coupons are nearly at an end. Online codes and cashback apps have taken over, meaning you can access coupons wherever you are. Current offers include free £1.25 Tango and free £1 Ambrosia porridge. Our regularly updated 40+ coupons collate them for you. Got credit or store cards you pay interest on? Take a 2-minute test to see if you can make it interest-free. Don't assume you can't cut the cost of existing card debt - put your details into this 0% Eligibility Calculator and it'll show if it's likely you'll get an interest-free debt-shifting deal, and your percentage chance of being accepted for each of the top cards. Once you move the debt, your repayments will clear what you actually owe rather than mostly just cover the interest. Many save £1,000s. - Low eligibility: Try for your best chance anyway, this is important. - Lots of choice: Go for the card with the lowest fee in the time you need to clear the debt. (Unsure how long you need? Go long.) Full top picks & help in Best balance transfers (APR examples), but Santander's flying high until Monday (links via eligibility calc, so you can see if you're likely to get them)... - Ends Mon. Top pick long 0%. Santander 33mth 0% (2.65% one-off fee, min £5), plus most can claim a £30 Amazon voucher in Sept (which, if you'd have spent there anyway, effectively helps cover some of the fee). After the 0% ends, it's 21.9% rep APR. - Ends Mon. Top NO-FEE pick. Santander 21mth 0%, and again most can claim a £30 Amazon voucher. After 0% ends, it's 21.9% rep APR. If you do get a balance transfer card, follow the golden rules: a) Clear the card before 0% ends, or you pay the full rep APR. b) Never miss the min monthly repayment, or you can lose the 0%. c) You must usually transfer within 60 days to get the 0%. d) Don't spend/withdraw cash on these cards. It isn't at the cheap rate. One option is dunk it in a bag of water and freeze that. Having to smash ice really makes you think twice before using it. Digital Wallet: I wouldn't add a balance transfer card to your digital wallet because you don't want it accessible to spend on. Do you travel in London? Check if you're due money back on Oyster or contactless cards. There's over £500 million of unclaimed credit on old Oyster cards. Plus if you paid via Oyster or contactless (whether real or digital) and either failed to touch your card at the journey's end, or were delayed 15 mins by tube, you may be due speedy money too. It's easy to do, see our quick Oyster & TfL contactless reclaiming guide for help. As Babs Morgan posted on my Facebook page: "I made the call, after checking I had £40 on my card which I didn't use anymore. Got £45 into my bank account a week later." Is your debit card a debt card? If you go overdrawn, even occasionally, YES, and it's dangerous. Credit cards get a bad rap, but if you're overdrawn, debit cards' interest are typically double credit cards, as most now charge 40%. So see if you can sort it, even if you only overdraw a few times a year. - Small or occasional overdrafts: First Direct* pays accepted new customers £150 to switch to it, and gives many an ongoing £250 0% overdraft (40% AER above that). So for a, say, £350 overdraft, the free £150 clears some and the rest is interest-free. - Larger overdrafts: Nationwide FlexDirect switchers get £100, and it offers a year's 0% overdraft, the size of which depends on a credit score, but some can get more than First Direct. Do aim to clear it within the year or you're back at 40%. Alternatively for big overdrafts, another option is to shift it to a 0% money transfer card. - Treat overdraft borrowing like a debt: Try and repay a set amount each month, eg, £50 (so you should start the next month with a £50 smaller overdraft than the one before). More help, tips and info in How to cut overdraft costs. Is there a railcard in your wallet? If you spend £90+/yr on train travel, check it out, there are more than you think. If you're under 31, over 60, disabled, a couple, got kids aged 5-15, or are just two people who travel a lot together (eg, to football), then look at a railcard. They cost up to £30/yr and get you a third off most train travel, so if you'll spend £90+ annually, even in one journey, you can save. See is there a railcard for me? Digital Wallets: You can choose between a paper and Railcard app digital Railcard when you buy (but can't store in Google/Apple Pay). Get your plastic to PAY YOU to spend on it. There's a range of cards that do this, a full rundown's in our Cashback cards guide, but my two top picks currently are: - Chase pays a simple 1% cashback. Chase debit card* is easier to get and pays top 1% cashback for a year. You needn't switch bank to get it, so can have it on top of free cash above. As David emailed: "Having seen the Chase cashback info, we had a new central heating boiler installed. The invoice arrived yesterday and was paid via Chase. Today I've received the £25 reward." - For bigger spenders (£1k+/mth), a free £150 Amazon or £264 Sainsbury's AND £120/yr at Deliveroo AND 2x free airport lounge passes. Check out our Amex Preferred Rewards Gold card write-up in the weekly email from a fortnight ago. Digital Wallet: Both are easy to add, in fact with Chase, you may be able to do it on the same day your account is opened. Are you one of 2m whose photo driving licence has expired? Photo driving licences usually expire after 10 years - so as you've got your purse is out, check yours. See how to check your licence, which also has info on how to renew safely and cheaply. If you don't renew, you ultimately risk being fined. Need new borrowing? Don't just pull a card from your purse. Be very wary of doing new borrowing, but if you must, try to avoid paying interest. Our 0% purchases cards guide shows how to borrow interest-free (& warns when you should and shouldn't). Lighten your wallet by chucking loyalty cards. Unless you need it for bicep curls, a heavy wallet's a pain. So take out all those you use less often and declutter, as they can usually be stored virtually in Apple Wallet, Google Pay, or loyalty card keeper apps. Plus check our Loyalty points boosting guide, including tricks for Nectar, Boots, Tesco and more. Got expense receipts stuffed in your wallet? Those old receipts can be turned into cash, so get on with filing them, especially as some employers have time limits. Plenty of apps let you scan and digitise your receipts, so that may be easier. Better still, see if your firm lets you pay for expenses on a cashback or rewards card, then you can gain on what you have to shell out for. Got condoms? Check they're still in date... Carrying a condom around in your purse or wallet might be a cliché, but safety counts. Remember though, condoms have use-by dates, so as you're doing this workout, it's a good time to check. To replace, you can use the NHS England free condom search, and there's info for Scotland, Wales & Northern Ireland too. Digital Wallet: As for the digital equivalent of safe-sex, I think that's covered plentifully elsewhere on the inter-web. ... and for a different type of protection, spend a penny. Under the Section 75 law, buy something costing £100.01 to £30,000 and pay for any of it, even a penny, on a credit card, and the card firm's jointly liable with the retailer for the WHOLE amount. So if you make an important purchase, if you can, put at least some of it on a credit card (paid off in full, obvs). This is powerful voodoo if the retailer goes bust, won't play fair with faulty items, or you buy abroad and can't take the item back. Full info, including when it doesn't work and how to claim, in the Section 75 guide. Debit card and credit card purchases under £100 do have the less, though still decent, chargeback protection too. Digital Wallet: This is one place digital can be a problem. Paying on credit card via buy now, pay later or sometimes via PayPal can break the causal link that gives Section 75 protection. More details in the 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.

 

 

 

How to survive the school holidays in a cost of living crisis: childcare, free meals, cheap days out & more... The sun's out, and soon millions more children will be out of school too, joining those in Scotland on the long summer holiday. It's often not an easy feat for families, but this year, with the cost of living crisis in full flow, it's going to bite many hard. So we've put together nine tips to help for a range of situations. Are you due £100s to help with summer holiday childcare? If you pay for childcare for under-12s, or under-17s with disabilities, as long as it's a registered childcare provider, which includes many summer holiday clubs, playgroups or childminders (the link shows you how to find them), even if only for the holidays, you may be able to get one of two types of help... - Family income under £40,000? Do check if you can get universal credit (if you're not already getting it or tax credits), which may help to cover some of your childcare costs - though you will need to pay and claim it back. See universal credit for summer childcare. - Tax-free childcare. 100,000s of working parents are missing out on £100s or £1,000s through this childcare help. If you work (both of you must work if a couple) and pay for childcare, you may be eligible for Tax-Free Childcare that lets you pay in and get a quarter added on top for free, up to a maximum £2,000 a year for each child.   Urgent. Does your child(ren) get free school meals? Apply for holiday support NOW. The Holiday Activity and Food Programme (HAF) in England gives children aged 4+ at least one free meal a day (+ free activities) for at least six weeks per year during the main school holidays. Access to the programme isn't automatic, so apply for the HAF now. It's run by councils, so exact details depend on where you live. There are also schemes available in Scotland, Wales and Northern Ireland. Not eligible for free school meals? See our How to get food for free/cheap guide, or try the Downshift Challenge. 24 free or very low cost ways to create summer magic for kids. Often it's the little things that make memories, and our Kids' summer magic guide is packed with ideas from fruit-picking to beaming a T-Rex into your living room. Sign your 16 to 17-year-old up for a two-week summer activity break for £50 (free for some). The National Citizen Service (England only) programme includes nights away and activities such as rock climbing and kayaking. Need financial support this summer? There are charities that can help. None of these are givens, but are worth checking if you're really struggling, as 100s of charities have grants for help with things such as household bills, clothing and even holidays - use charity Turn2us's grant search to check. There's also the Family Holiday Charity that helps families spend time away together, but you need a support worker, social worker or teacher to refer you. If you're one of the UK's two million single parents, you may be able to get help from Gingerbread. Visit the website or call the helpline on 0808 802 0925. Save at the cinema, including some free children's screenings. Our Cinema savers guide has tips on how to see kid-friendly movies on the big screen for less, including 1,000 weekly free Odeon Kids' screening tickets. Also, grown-ups & kids pay about £2.50 for selected family films at Cineworld, Odeon and Vue at weekends and in the school hols. Free or cheap summer holiday activities. There's loads more help in Cheap days out, including free tennis coaching and sessions, plus see 14 free ways to learn, including languages, Disney drawing, astronomy and more. Alton Towers, Thorpe Park, Legoland, Sea Life 2for1s for £3 via cereal and snacks. If you're heading to a theme park, get the voucher for a free adult ticket with any full-price ticket. See Cheap theme parks. And please... let us know if these help or get in touch if there's something that can help people we've missed by email.

 

New. Are you due a share of £150m in council tax refunds? How to check. Some 862,000 homes are owed a refund, so check if you're due one. Other key council tax info: Check 'n' challenge your band. FREE Lego mini toy. At some toy shops this weekend, limited stock. Free Lego. Related: B&M £5 toy sale. Are solar panels now worth it? Energy costs have hit record highs and are set to worsen in October when the price cap will jump again. So solar panels - which let you generate energy to cover some of your usage - have become more viable for many who have savings to spend. See our updated Are solar panels worth it? guide to check if they're right for you. More energy bills help: Martin's 'Should I fix my energy tariff?' guide | Help - I can't afford to pay. £133 of No7 beauty & skincare products for £35. Nine-piece set with 'secret' contents (previous deals have had mascara, eye pencil, cleanser and so on) and you can get early access to ensure you bag one. Triple-threat Chase now has no wait time: 1.5% savings, 1% cashback & near-perfect rates abroad. The Chase app* is a triple threat, a best buy in three categories (they're throwing serious money to build a customer base) plus you NEEDN'T SWITCH BANK to get it. It's been so popular there was a 3 to 5 week waiting time after application - now you can get it at speed. Full info in Best bank accounts. School uniform sales on NOW - get a full set for £5. See our cheap uniform round-up. 'Thanks. I was awarded £1,500 pension credit AND an extra £185 every two weeks. It's changed my life.' Our success of the week comes from Jackie, who followed our claim pension credit campaign. She said: "After hearing Martin talk about pension credit I wondered if I could qualify. I applied and was awarded a £1,500 lump sum and now get an extra £185 every two weeks. This has changed my life. No one tells you this is available and only thanks to your team am I now getting it." Send us your MoneySaving successes. Want to explain the cost of living crisis to your children? BBC Newsround has a video guide (with a couple of nibbles from Martin) - a nice, easy, calm watch. Cost of living explainer for kids New. 2.7% loan - if you NEED to borrow, we've not seen cheaper. Two lenders have increased rates, but Finble, Admiral's new brand, has launched a 2.7% rep APR loan for £7,500 to £15,000, making it joint cheapest. If you need to borrow (only do it for planned, budgeted, one-off reasons) our Loans Eligibility Calculator shows which top loans will likely accept you at any amount (Finble isn't available direct so the link goes via our calculator). Full help: Cheap loans guide (APR examples).

 

 

BLAGGED FOR MSE - Grüum holiday set £15 delivered (normally £38) 7,500 available	DID YOU MISS? - How much will your take-home pay rise this month? - 44 tips to be tight (in a good way)... - Utility Warehouse energy fix - is it worth it? - Summer sales ON NOW, including up to 50% off at John Lewis - Government-backed interest-free loan scheme launching in Sept

 

 

Do you get tax credits? If so, RENEW NOW - more than 300,000 will see payments stopped if they do nowt There are still well over a million people left on tax credits in the UK - even though millions have already been moved across to universal credit (more on that below). If you're one of them, HM Revenue & Customs (HMRC) started sending renewal packs on 25 Apr 2022 and the last were sent at the end of May - so you should have received a renewal pack in the post (let HMRC know NOW if you haven't). As for what to do with it, while there's detailed help in Tax credit renewals, here's a quick summary... The renewal deadline is 11.59pm on Sun 31 Jul (6pm on Fri 29 Jul by phone), but don't wait. For some, just failing to return the renewal pack can see tax credits stop. Always check the pack, as if details are wrong or have changed (see what counts as a change) you could face the nightmare of being forced to repay cash already spent. And don't wait for the deadline, as previously the nearer you get to it, the bigger the delay is. Exact rules of what you need to do depend on whether your letter has a red or black line. If there's a red line... this is a 'declaration form', so check the info's correct, but even if it is, you MUST RETURN the form or renew online or via the HMRC app. Do nothing and your tax credits could be stopped. If there's a black line... this is a 'renewal notice', so if it's correct you needn't do anything, you'll be auto-renewed. If anything has changed, inform HMRC or it can be a nightmare. Let it know on the phone, online or via the HMRC app. You will be switched to universal credit by the end of 2024 - but should you do it sooner? Everyone on tax credits or other older benefits, such as jobseeker's allowance or income support, will be moved to universal credit before the end of 2024. Yet you can choose to switch over sooner, so should you? - 1.4 million people are likely to be better off on universal credit. Mainly those who work and pay rent, especially if they live in a city. The gains here for some can be in the £1,000s a year. - 900,000 people are likely to be worse off. Mainly... those who aren't in work | those who don't pay rent | self-employed people earning less than national minimum wage | those with savings of £16,000+ | some with disabilities or caring responsibilities. Warning: Don't just apply, as you'll be moved to the new system and can't then change back, even if you find you're getting less or nothing. So go through our full step-by-step Should I switch to universal credit? guide which takes you through it, including the most important step of one-on-one help if it looks like it's worth it for you.

 

Amazon 'Prime Day' starts next week - we get our crystal ball out, for example, 50% off Alexa? Prime Day perversely lasts two days, and while many deals are often meh, there can be hidden corkers. Prime Day predictions Going abroad this summer? 8 travel money must-knows so you don't overpay to pay. If you missed it, check out last week's holiday money masterclass. Fibre broadband & line rental '£13.46/month' - cheapest we've seen since Feb. Newbies applying for this 38Mb Vodafone deal pay £22/month, but can CLAIM (don't forget) a £205 Amazon, Tesco, Sainsbury's or M&S voucher. If you'd have spent there anyway, factor that in and it's equivalent to £13.46/month over the two-year contract. For many more options, use our Broadband Unbundled comparison tool. Grüum five-piece holiday set £15 delivered (normally £38). MSE Blagged. Includes sun cream, aftersun, shampoo, and body and facial cleansing bars. 7,500 available. Grüum PS: If you spot the new MSE app in Apple's App Store or Google's Play Store, yes it is genuine. It's early days and we've lots of bells and whistles to add, so we're not shouting about it yet. But feel free to give it a go and feed back.

 

 

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AT A GLANCE BEST BUYS 0% balance transfers Longest 0%: Sainsbury's Bank (check eligibility / apply*) - up to 34 months 0%, 2.88% or 3.88% fee (21.9% rep APR interest) No-fee 0%: Sainsbury's Bank (check eligibility / apply*) - up to 22 months 0% (21.9% rep APR) or NatWest - 22 months 0% if you're a NatWest/RBS customer (21.9% rep APR) Best bank accounts £170 to switch: HSBC £150 to switch + TOP service: First Direct Top savings accounts Top easy-access: Virgin Money 1.56%, no min Top one-year fix: Cynergy Bank 2.72%, min £10,000 Car insurance Try our new MSE Car Insurance Compare+ tool Cheap loans Cheapest for £5,000-£7,499: M&S Bank* 3.7% rep APR Cheapest £7,500-£15,000: Finble 2.7% rep APR (1-7 years) Broadband top picks Standard (10Mb+): Plusnet '£12.74/month' Fibre (30Mb+): Vodafone '£13.46/month' Superfast fibre (55Mb+): Vodafone '£16.46/month' On universal credit or similar? Check discounted social tariffs Cheap Sims Up to 3GB of data: Lebara, '£3.95/month' for 3GB, unlimited mins & texts 4GB to 9GB of data: Lebara, '£4.20/month' for 5GB, unlimited mins & texts 10GB to unlimited data: Lebara, '£4.45/month' for 12GB, unlimited mins & texts

 

THIS WEEK'S POLL Do you carry a wallet or purse? This week's Money Tips email is all about Martin's Wallet Workout - but in this digital age, how many of us actually still carry a wallet or purse? Let us know in this week's poll. Using a specialist travel credit card is the most popular way to spend abroad among MoneySavers. Last week, we asked how you normally pay for things while on holiday - some 5,000 people responded. Just under one-third (32%) said they used specialist travel credit cards, while cash ordered in advance was the next most popular option at 29%. Encouragingly, only 0.1% said they exchanged cash at the airport - by far the most costly way. See full travel money poll results.

 

 

MSE NEWS - Top story: Check if you can get a £1,500 grant from British Gas - Voxi starts charging for EU roaming - Virgin launches fee-free train booking app - BT, Sky and Virgin pledge to help customers struggling with bills - Ground rent ban on new leases comes into effect

 

 

MONEY MORAL DILEMMA Can I keep using my NHS discount card even though I've left the service? I used to work for the NHS and, when I did, I bought a discount card for NHS staff. The scheme verifies your employment then entitles you to discounts from a lot of companies. I've left the NHS now, but the card's valid for two years and doesn't offer refunds. The T&Cs don't specify what happens in this situation - can I continue to use the card, as I bought it legitimately, or should I stop as I'm technically no longer eligible? Enter the Money Moral Maze: Can I keep using my NHS discount card even though I've left the service? | Suggest a Money Moral Dilemma

 

 

MSE TEAM BLOG - Gin, gee-gees and groceries - last week's MSE Forum highlights

 

 

MARTIN'S APPEARANCES (WED 6 JUL ONWARDS) Wed 6 Jul - This Morning, phone-in, ITV, 10.55am MSE TEAM APPEARANCES (SUBJECTS TBC) Thu 7 Jul - BBC Radio Leicester, Mid-morning with Summaya Mughal, from 11.35am Tue 12 Jul - BBC Radio Cambridgeshire, Mid-morning with Jeremy Sallis, from 10.45am

 

THE ULTIMATE MONEYSAVING TOOL OR A DEN OF TEMPTATION - HAS THE WEB MADE IT EASIER TO SAVE? That's all for this week, but before we go... MSE Forumites have been debating whether it was easier to save money before or after the advent of home internet. For some, the web has made saving a breeze, with the ability to switch banks, use money management apps and shop around for deals. Others argue it's easier to splurge now, thanks to the temptation of online shopping and the ease with which you can get at your money. Let us know where you stand in our was it easier for you to save money BEFORE or AFTER the internet? MSE Forum discussion. We hope you save some money, stay safe, The MSE team

 

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