State pension boost, free £200+ ending, card & loan costs to rise, 12GB Sim £3/mth, Should u fix energy?

Plus... cheap iPhone, free £75 investment, Dyson £150 off code, 30% off coffee

                                                           

13 June 2023 | View in browser

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

 

THE TOP TIPS IN THIS EMAIL Martin's warning: Sort credit card & loan debt NOW New. Slash mobile costs by £100s - 12GB Sim '£3/mth' Are you missing £160/yr water bill help?  State pension boost deadline extended  £150 off Dyson cordless vacuums Urgent. Extra 48hrs to boost Clubcard points 3x Ends Mon. FREE £200+ bank switch  Can Octopus Tracker save you £100s on energy? STOP PRESS. So Energy launches 'cheap' fix New. Cheapest-ever iPhone 14 & Samsung S23 Asos joins dress rental market New. FREE £75 investment Martin's podcast: Mortgage mayhem, energy fixes, car insurance & Tesco tips 'I was turned down for Pension Credit two years ago - but I now get £1,440/yr' 6m more are likely to qualify for legal aid Ends Thu. 132Mb Virgin broadband '£21/mth' Last-minute Father's Day deals Grind coffee 30% off code This week's best buys, including 4% savings, Compare+ Car Insurance tool Should friends who can't make the whole holiday pay in full? 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, with Pick Me A Tariff Best Sim-only deals

Warning: Sort credit card & loan debt NOW Martin: 'Cheap deals are being pulled. Things may get costlier quickly. Check now if you can cut debt costs. Don't delay, sort today!' 0% balance transfers | New 0% cards | Cheap loans Martin: "A few weeks ago it was thought the UK base rate may peak at 4.5% - the level it's at today. Then bad underlying inflation figures for April were released. Now the talk is of further rises to a peak of around 5.5%. "The result is the news is full of stories of pulled mortgage deals, but less covered is the impact on credit cards & loans. It's understandable as the link is more nuanced. In credit cards, the feelers indicate (this is our best guess, not solid info) some of the best 0% deals will be pulled soon, replaced by worse incarnations. With loans, some top deals have already gone, more are likely. "So ANYONE WHO HAS DEBT, OR IS CONSIDERING IT, should look now as the window of opportunity for lower rates may be shutting. Now over to the team for the practicals of how to do it..." Credit Cards First we'll look at what those who already have credit card debt should check. Then how to get a new card if you need to borrow. If you already pay interest on existing cards, shift them to 31mths 0% or 19mths NO-FEE A 0% balance transfer is where you get a new card to repay debt on other credit or store cards for you, so you owe it instead but at 0%. As your repayments clear the debt itself rather than cover the interest, you get debt-free much quicker (if you don't borrow more). Less than a year ago, 34mth 0% balance transfers were available, now the longest is 31. And we're hearing rumblings some top cards will be pulled very soon (and no signs of hot replacements). - To AVOID REJECTION, spend two minutes on a 0% eligibility calculator. This shows your bespoke acceptance odds for most top cards, so you can minimise applications. - Aim for the card with the lowest fee in a time you're sure you can clear the debt. Unsure? Play safe and go long. Top new-cardholder 0% balance transfers Virgin Money (link via eligibility calc, or apply*) - 31mths 0%, 3.5% fee - 23.9% rep APR interest after the 0% Longest 0% deal, but big fee. So if you can repay quicker, other cards are likely cheaper. NatWest longer (link via eligibility calc, or apply*) - 30mths 0%, 2.99% fee - 23.9% rep APR interest after the 0% Long 0% deal with lower fee. Only a month shorter than Virgin, but better fee, likely a good compromise. Also offered by its sister banks RBS* and Ulster Bank. NatWest no-fee (link via eligibility calc, or apply*) - 19mths 0%, NO-FEE - 23.9% rep APR after the 0% Longest NO-FEE 0% by far. Much the cheapest way if you can clear the debt within the 19mths - the next longest no-fee is just 16mths. Though the 19mths is also offered by its sister banks RBS* and Ulster Bank. Always follow the Balance Transfer Golden Rules It's not just about getting the right card. Full help in Best balance transfers, but in short... Always pay at least the set monthly minimum, though ideally more. Clear the card before the 0% ends, or you pay the APR. Don't spend/withdraw cash. It usually isn't at the cheap rate. Usually you must transfer within 1-3mths to get the 0%. Do check. You can't transfer between cards from the same banking group. Quick balance transfer FAQs (click links for answers) Is it worth applying if my eligibility odds are low? | What if my credit limit isn't big enough? | Can I shift debt to existing cards too? | Should I try to pay off my biggest debt first? SPOILER: NO. If you need new borrowing, a 0% 'purchases' credit card, used right, is the cheapest way Debt is like fire. Used well, it's a useful tool. Used badly, it burns. But use these 0% purchases cards well and they give you interest-free borrowing on things you buy on them (as long as you pay it off within the 0% period). Done right, it's no-cost borrowing. We've seen less movement here than in balance transfer deals, but 0% lengths have got slightly shorter and we think that may accelerate. A few key notes before going into the best cards: - Only borrow if it's planned and affordable. This means it should be for a needed, budgeted for, one-off purchase (eg, a replacement fridge). If in doubt, don't. - Average credit limits are £3,000 to £5,000. Yours depends on your credit history, but they can be far less (or more). - To avoid rejection, spend two minutes on a 0% eligibility calculator. This shows your bespoke acceptance odds for most top cards, so you can minimise applications. Top new-cardholder 0% purchases credit cards NatWest (link via eligibility calc, or apply*) - 23mths 0% - 23.9% rep APR interest after the 0% Longest definite 0% deal. All accepted by NatWest (and sister banks RBS* and Ulster Bank) get the full 23mths at 0%. Barclaycard offers the same length, but not all its accepted customers get the full 23mths. M&S Bank (link via eligibility calc, or apply*) - 18mths 0% - 23.9% rep APR interest after the 0% Longest 0% card that pays rewards on spending. All accepted get the headline deal. You get one point (worth a penny) for every £1 spent in M&S (so that's 1% back) and every £5 spent elsewhere (so 0.2% back). Always follow the 0% Purchases Cards Golden Rules Again, it's not just about getting the right card. Full help in 0% credit cards, but in brief... Always pay at least the set monthly minimum, though ideally more. Stick within the credit limit, or you can lose the 0% offer. Avoid cash withdrawals or shifting debt, it's usually not cheap. Clear the card before the 0% period ends, or you pay the APR. Remember with credit cards you control the repayments. If you need more structure, consider a loan instead. Cheap Personal Loans Personal loans let you borrow between £1,000 and £25,000 (a few go higher). You're charged interest on what you borrow and you pay it back in fixed instalments over an agreed period of time. We'll start with those who need new loans, then move on to whether you can cut the cost of existing debt. The cheapest loans for new borrowing are currently 4.9% and rising fast Six months ago, the cheapest rates were under 3%. And just a couple of weeks ago, three lenders still had rates under 5%. Now there's just one left below 5% and it likely won't be around by the end of the week (though we'd love to be proved wrong about that). Two things before you check out the top loans... - Only borrow if it's planned and affordable. This means it should be for a needed, budgeted for, one-off purchase (eg, replacing a broken-down car, or home improvements). If in doubt, don't. - To avoid rejection, use our Loans Eligibility Calculator. It'll show your odds of being accepted for most top loans. Remember though, as you ask for a specific amount when you apply, that your affordability has a big impact here. So you may be accepted for £3,000, but rejected by the same lender for £7,000. Cheapest new-borrower personal loans £1,000 - £2,999 - Credit card 0% loans are likely cheapest - AIB 12.3% rep APR (not online, only by phone) - Santander* 14.5% rep APR £3,000 - £4,999 - AA* 9.8% rep APR (members), 9.9% (non-members) - M&S* 9.9% rep APR £5,000 - £7,499 - AIB 5.6% rep APR (not online, only by phone) - Sainsbury's* 6.2% rep APR (need Nectar card) £7,500 - £15,000 - Sainsbury's* 4.9% rep APR (need Nectar card) - AA* 5% rep APR (members), 5.1% (non-members) - All these are representative APR, so you may not get that rate. This means only 51% of accepted customers need get the rate shown - the rest can be charged more. You're sadly often only told the actual rate after applying. Even our eligibility calculator must mostly work with representative APRs (though a few lenders now offer guaranteed rates where you know before you apply - look out for them in the calc). - If you do borrow, follow the Loan Golden Rules. Full info and options in Cheap personal loans, but in brief... Minimise the amount you borrow and repay as quickly as possible. Pay on time or there's a fee and it's marked on your credit report. If the loan's to pay off cards, a balance transfer may be cheaper. Can you slash the cost of existing loans? If you have a loan at a higher rate than the ones above, it's worth checking if you can save on the interest. Yet it's not just a case of going for the cheapest rate, as there usually are repayment penalties, so follow this step-by-step instead... Step 1: Get a 'settlement figure' from your lender. This is the amount you'd need to borrow from the new lender to pay off the existing loan today. It's the remaining debt plus any early settlement charge (max two months' interest). It may be listed online - if not, call up the lender and ask. Step 2: Find YOUR new top rate for the settlement amount. The best-buy rates are in the table above - use our Loans Eligibility Calculator to see which you've best odds of acceptance for. Step 3: For the BIG reveal, use our loan switching calculator. Plug the old and new loan details into our loan switching calculator. If it shows you can save, apply, then if accepted at the right rate, use the new loan to pay off the old one. Full info & help in Cut existing loan costs. In debt crisis? Get free debt help The tips above are for those who can meet repayments and want to cut costs. If you're struggling, answer Martin's three simple questions... - Do you have sleepless nights or depression/anxiety over debt? - Do you struggle to meet minimum monthly payments? - Is your total debt (excluding mortgage/student loan) over a year's salary? If you answer yes to any of these, then you're at risk of debt crisis, so forget the information above, you'll need a different tack. The best thing to do is get free, one-to-one debt counselling help from Citizens Advice, StepChange or National Debtline. And if you need emotional support, try CAP. They're there to help, not judge. The most common thing we hear after is: "I finally got a good night's sleep." And don't feel alone, there's no stigma, you can sort this. Read inspiring stories in our Debt-free wannabe forum, and see our Mental health & debt and Debt crisis help guides.

 

 

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.

 

 

 

Slash mobile costs by £100s. New cheapest-ever Sims Get 12GB data for just '£3/mth' or a huge 100GB for '£8/mth' While inflation's rife elsewhere, there's deflation in the mobile market, as the prices of the cheapest new Sim-only deals continue to fall. If you haven't sorted a new deal in the last year or two, you're LIKELY OVERPAYING MASSIVELY. So if you're one of the nine million people out of contract (text INFO for free to 85075 to find out), see if you can save. Disgracefully, many are still on their old 'pay off your handset' high rate, despite having already paid it off. The speedy route is via Cheap Mobile Finder, but here are the headline Sim deals. PS: For the cheapest iPhone and Samsung handsets, see below. Cut costs by £100s/yr just by switching Sim. The Sim is the chip in the back of your phone that gives it its identity. Switching it is easy and can massively slash costs (don't worry, you can keep your number, just text 'PAC' to 65075, then give the code you're sent to your new provider, which will transfer it). As MoneySaver Jackie emailed: "I was with Vodafone at £52/mth for two Sim-only contracts. I have now switched after you recommended looking at Sim-only contracts, and have saved nearly £500 this year. Thank you." Our Cheap Sim comparison has all the deals, here's our pick of the crop... Top newbies' Sim-only deals All have UNLIMITED calls & texts. Data is the differentiator - use our Data Calculator if you're unsure how much you use LEBARA (on Vodafone's signal) Service poll result: 4/5 3GB '£2.70/mth': It's 49p/mth for 6mths, then £4.90/mth, so averages £2.70/mth over a year, on a rolling 1mth contract (which you can cancel at any time). MSE Blagged. Cheapest 12GB Sim we've ever seen. 12GB '£3.15/mth': Different structure for the bigger data Sim. You've a higher outlay, £6.90/mth, but can CLAIM a £45 Amazon, Just Eat, Argos or M&S voucher after 6mths, so averages £3.15/mth over a year, though it's a rolling 1mth contract (so you can cancel any time). iD MOBILE (on Three's signal) Service poll result: 3.6/5 20GB '£4.25/mth': It's £8/mth over the 12mth contract, but factor in the £45 Amazon or Currys voucher you can CLAIM after 3mths and it's equivalent to £4.25/mth. Cheapest 100GB Sim we've ever seen. 100GB for '£7.84/mth': It's £12/mth, but you can CLAIM a £50 Amazon or Currys voucher after 3mths, so it averages £7.84/mth over the 12mth contract. VIRGIN MOBILE (on O2 signal) Service poll result: 2.8/5 25GB for '£6.34/mth': It's £8/mth, but you can CLAIM a £20 Amazon voucher after 6mths, so it averages £6.34/mth over a year, though it's a rolling 1mth contract (so you can cancel any time). Won't switch as you want to keep your signal? Smaller networks 'piggyback' on the big four's (Vodafone, Three, O2 and EE's) signals, so you can move provider and keep the same signal. Our Cheap Sims tool lets you filter by network (and shows what features each has or doesn't have). Sim-switching need-to-knows... - Unlock your phone for free. If you're out of contract, your network must let you do this at no cost. See Mobile unlocking. - Don't want to switch? Haggle. Mobile firms are among the easiest to haggle with. Full info in Mobile haggling. - Need roaming help? See our Cheap mobile roaming guide. - Members of cashback sites may be able to get deals even cheaper. These sites often give cashback on Sim deals, and in some cases, they can undercut promo deals elsewhere. See Top cashback sites for more.

 

Deadline to buy extra NI years to boost state pensions by £1,000s EXTENDED to April 2025. By 'coincidence', just before Martin's big show on it! With helplines still jammed, very good news that the Govt has extended the deadline from this July by almost two years and frozen the price. 'Coincidentally', they announced it the day before Martin's ITV SPECIAL (TONIGHT, 8PM) on this issue, where he'll take you through the need-to-knows and question the Pensions Minister. So watch it then or on ITVX after, and use our Make £10,000s buying extra NI years? guide. Get up to £150 off Dyson cordless vacuums via code. MSE Blagged. Choose from either the V8 Total Clean for £240 (normally £350) or the V11 Total Clean for £350 (normally £500). 6,800 available. Dyson Urgent. Extra 48hrs to grab triple-value Clubcard rewards. Claim by 11.59pm Thursday. Clubcard Ends Mon. FREE £175 + £30 Amazon to switch to top customer service bank. Newbies to First Direct* only have a few days left to use this link to get an extra £30 Amazon voucher on top of its usual £175 switchers' bonus. They can also get a 7% linked regular saver, £250 0% overdraft and top service (the bank was rated 90% 'great' in our last poll). Or there's also NatWest's FREE £200 + £36/yr cashback*. Full options and eligibility criteria in Best bank accounts. Could Octopus Tracker save you £100s on energy bills? It's a (very) variable tariff where the rates you pay change daily based on wholesale prices. Currently it undercuts standard tariffs, but costs can spike without notice. See pros, cons & who can get it in Octopus analysis. STOP PRESS. So Energy launches 'cheap' fix... Full detail (when we have it) & analysis in Should you fix? New. Cheapest-ever iPhone 14 '£33/mth' and Samsung S23 '£28/mth'. MSE Blagged. Newbies to O2 can get an iPhone 14 (128GB) on a 24mth contract with 80GB data for £199 upfront, then £25/mth via MobilePhonesDirect. Or Three newbies can get a Samsung S23 (128GB) on a 24mth contract with 100GB data for £19 upfront, then £27/mth via Affordable Mobiles. These sites are responsible for the handsets, the networks for the contracts. Want a different handset? See Cheap Mobile Finder. Now Asos joins the dress rental market - how does it stack up? From high street to designer, the clothing rental trend is growing - good for pockets... and sustainability. See our rent-an-outfit guide for the lowdown. New. Invest £75, get a FREE £75 back - biggest amount yet. 3,500 available. Wealthify often does a £50 for £50 deal, but it's now upped it. Newbies putting £75+ into Wealthify's robo-investment service get £75 cashback after a year. So invest £75, wait, and then you get your money back, so whatever the investment's worth in a year is a win. Even if it flops, at worst you break even. Full info in Robo-investing cashback.

 

 

BLAGGED FOR MSE - 3GB Lebara Sim '£2.70/mth' Ends Tue 4 Jul - Up to £150 off Dyson cordless vacuums 6,800 available - 132Mb Virgin broadband '£21/mth' Ends Thursday - Grind coffee 30% off code Ends Monday	DID YOU MISS? - Top easy-access savings rates continue to creep up - Ikea launches 'up to 60% off' summer sale - New calc: How much less will I pay for energy from July? - Free kid's West End theatre ticket with paying grown-up - Find FREE summer festivals and carnivals near you

 

 

Six quick checks to cut possibly £100s off your WATER BILLS, incl... Are you one of 6 MILLION missing £160/yr help?  Water's often the forgotten utility, but the bill certainly isn't forgotten, with it being £100s for most and over £1,000/yr for some. While water firms are privatised - so there's no competition and you can't switch provider - there are still loads of other ways you can try to cut the bill. Full help's in our Cut water costs guide, but let's wet your appetite with 6 quick tips... On Universal Credit, benefits or have low household income? Check out social tariffs and WaterSure. Social tariffs are offered by all firms and can reduce what you pay by up to 90%. There are 5.7m ELIGIBLE HOUSEHOLDS MISSING OUT on an estimated £160/yr on average. See our firm-by-firm social tariff help. It worked for Anita: "I got a 60% reduction on this year's water bill which, over 8mths, saves us about £24/mth. Thank you!" Separately, if you have three or more children, or a medical condition such as Crohn's or eczema, which means you need to use more water, you may be able to have your bills capped under the separate WaterSure scheme. In England or Wales? Can you save £400+ with a water meter? The rateable system (based on the amount your home could be rented out for) ended in 1989, but still dictates what your water bill is. This means, roughly, the bigger your home, the bigger your water bill. Water meters - which measure your usage - are free in England and Wales and millions can make huge savings moving to them. Martin's simple rule of thumb is... More bedrooms in your home than people, or the same number  (eg, three bedrooms, two people)? If so, a water meter is likely to save you cash If the rule applies, use a water meter calculator and then get your firm to give a more accurate quote. Bronwyn emailed: "Thanks to you, I had a meter installed and my bill's gone from £65/mth to £17 [saving £576/yr]." And if it doesn't work out, with most firms you've two years to change your mind and go back (see switch back policies). PS: Been told you can't have a meter fitted? Ask for an 'assessed charge bill' which works out how much you'd likely pay if you were on a meter - Amanda did: "Thank you Martin for the details on how to cut bills if you can't have a water meter fitted. I had an assessment and will now save a much-needed £200/yr!" Grab one of 850,000+ FREE water-saving gadgets. Many water firms offer free shower heads, tap inserts and more. They can save you money if you've got a meter, and even if not, they're useful, as much of the water we use is heated, so they can cut energy use. See water freebies. 30 tips to cut your usage. Try small changes such as turning off taps while brushing your teeth, or taking short showers, or going to extremes, such as only flushing 'number 2s' and/or collecting rainwater to do it. See 30 water-saving tips. Are you due a sewerage rebate? If you have a way of draining or storing water, such as a soakaway, cesspit, pool or big garden, you may be able to claim a rebate. Steph emailed: "Thanks for your tip to check if we are due a light sewerage rebate, as we have a soakaway. I got a six-year backdated refund of £220." Struggling to pay? There may be a grant available. Talk to your water firm ASAP. Most offer repayment plans if you've fallen behind, while some have schemes or charitable trusts to help their customers wipe all or part of their water debt. See which firms offer these grants and what other help's available in our Debt help guide.

 

Mortgage mayhem, energy fixes, car insurance & Tesco tips - Martin's pod. Listen via BBC Sounds, Spotify, Apple Podcasts or anywhere that has good and mediocre podcasts. (He said that, not us - we're not that brave!) 'I was turned down for Pension Credit two years ago - but I'm now eligible for £1,440/yr.' It's Pension Credit Awareness Week, so if you're of state pension age and on a low income, check if you're (now) one of 850,000 people missing out. Read Martin's key info for those over 66 to check, as our success of the week, Susan, did: "I asked about Pension Credit two years ago, but wasn't entitled. However, I saw your email and thought I'd try again. I'm now eligible for £120/mth. It's going to make a big difference". Please send us your MoneySaving successes (on this, or anything else). SIX MILLION more are likely to qualify for legal aid. Changes to the scheme will come into force over the next two years. Here's what's happening, plus how legal aid works and who can get it now. See legal aid expansion. Ends Thu. Cheap superfast 132Mb Virgin broadband '£21/mth'. MSE Blagged. Newbies can get this Virgin Media 132Mb broadband (no line) deal (available to 58% of the country) for £25.50/mth, but get an automatic £75 bill credit, so it's equivalent to £21.34/mth over the 18mth contract. Don't want / can't get Virgin? Use our broadband comparison. Last-minute Father's Day deals, including 33% off cards at Scribbler and free gift cheques. If you're celebrating, it's this Sunday (18 June). See our Father's Day round-up. Grind coffee 30% off code. MSE Blagged. Valid on ground coffee, beans and pods. Ends Monday. Grind

 

 

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

 

 

AT A GLANCE BEST BUYS 0% balance transfers Longest 0%: Virgin Money (check eligibility / apply*) - 31mths 0%, 3.5% fee (23.9% rep APR interest) No-fee 0%: NatWest (check eligibility / apply*) - 19mths 0% (23.9% rep APR)  Best bank accounts Ends Mon. £175 to switch + £30 Amazon: First Direct £200 to switch + £36/yr cashback: NatWest / RBS Top savings accounts Top easy access: Coventry BS 4%, min £1 Top one-year fix: Zopa 5.38%, min £1,000  Car insurance Try our Compare+ Car Insurance tool Cheap loans Cheapest for £5,000 to £7,499: AIB (NI) (apply), 5.6% rep APR Cheapest for £7,500 to £15,000: Sainsbury's Bank (check eligibility / apply*), 4.9% rep APR (need Nectar card) Broadband top picks Standard (10Mb+): Shell Energy '£16.88/mth' Fibre (30Mb+): Shell Energy '£19.38/mth' Fast fibre (55Mb+): Vodafone '£21.67/mth' Superfast fibre (100Mb+): Virgin Media '£21.34/mth' On Universal Credit or similar? Check all discounted social tariffs Cheap Sims Up to 3GB data: Lebara, '£2.70/mth' for 3GB 4GB to 9GB data: Lebara, '£3.45/mth' for 5GB 10GB+ data: iD Mobile, '£7.84/mth' for 100GB

 

THIS WEEK'S POLL How much do you pay each month for your mobile phone? There's plenty of choice when it comes to mobile phone packages - whether a contract, Sim-only or pay-as-you-go deal - and there can be huge differences in cost. This week, we want to know what type of mobile phone package you have, and how much you pay each month. Vote in this week's poll. Most MoneySavers WON'T risk going on holiday abroad without travel insurance. Last week, we asked if you thought travel insurance was a must-buy, and over 5,000 people responded. Of those with overseas holidays booked, 61% already had a policy in place or were planning to get one - only 8% said they wouldn't insure their trip. But it was a different picture for those who'd booked UK holidays: 57% said they wouldn't be insuring them. See full travel insurance poll results.

 

MONEY MORAL DILEMMA Should my friends who can't make our whole holiday still pay the full amount? A group of friends and I have booked a holiday apartment for a week. Some are now saying they can't make the whole week, and have asked to pay less. We can't downgrade, as we still need an apartment big enough for all of us, so it'd mean the rest of us paying more. When this has happened to me before, I still paid the full amount. Should I tell my friends they still need to pay in full, or should I agree to pay more, to avoid arguing? Enter the Money Moral Maze: Should my friends still pay the full amount for our holiday? | Suggest a Money Moral Dilemma

 

 

MSE TEAM BLOG - MSE Forum highlights: Roses, Ring doorbells & rude letters

 

 

MARTIN'S APPEARANCES (WED 14 JUN ONWARDS) Wed 14 Jun - Ask Martin Lewis, BBC Radio 5 Live, 1pm Tue 20 Jun - This Morning, phone-in, ITV, 10.20am Tue 20 Jun - The Martin Lewis Money Show Live - Summer Special, ITV, 8pm MSE TEAM APPEARANCES (SUBJECTS TBC) Wed 14 Jun - BBC Radio Cumbria, Mid-morning with Val Armstrong and MSE's Helen Saxon, from 11.10am Tue 20 Jun - BBC Radio Cambridgeshire, Mid-morning with Jeremy Sallis, from 10.45am

 

POP IT IN ENVELOPES, INVEST OVER SWEETS... WHAT DID YOUR PARENTS TEACH YOU ABOUT SAVING MONEY? That's all for this week, but before we go... We asked on our social media for the MoneySaving wisdom that your parents shared with you. For one, the lesson was practical: their dad found £5 and asked them if they should spend it on sweets or invest it. They chose option B and that fiver is now worth £70+. Elsewhere, one user learnt balance from having one parent who loved spending and another who was thrifty. There were also multiple mentions of saving into envelopes, with one MoneySaver continuing this until they realised they were missing out on interest. And full marks go to the parents who spread word of MoneySavingExpert. But perhaps the most intriguing money lesson was simply: "Hide it from your sisters". That's a story we'd like to hear. Tell us about your MoneySaving lessons in our Facebook and Twitter discussions. 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 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 uk.virginmoney.com, natwest.com, rbs.co.uk, bank.marksandspencer.com, santander.co.uk, theaa.com, sainsburysbank.co.uk, firstdirect.com 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.