New E.on fix, £37,000 reclaim success, unlimited Sim £11.25/mth, car insurance alert, 5 cinema tix £22

Plus... 5% easy-access savings, top student accounts, £115 of beauty £40, beat Disney+ hikes

                                                           

15 August 2023 | View in browser

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

 

THE TOP TIPS IN THIS EMAIL 10 MoneySaving successes, including... - £4,800/year Pension Credit claim - £37,000 in bereavement support - £4,500 overdraft charge reclaim Car insurance due? Don't buy last-minute - check if you can save NOW  Top student accounts 2023/24 E.on customer? Pay £50 less than the Price Cap for the next year A quick favour for our Martin... Ends Thu. Cheapest-ever unlimited-data Sim '£11.25/mth'  Beat Disney+ £36/yr price hike Top easy-access savings pay 5% 5 Vue cinema tickets £22, or 10 for £40 Your rent-hike rights - our new guides £115 of Urban Decay, Benefit & more beauty for £40 FREE £200, 1% cashback or 7% savings just for switching bank 20 packs of veg seeds £10 Grüum sunscreen & aftersun £4 Get PAID to play games on your phone FREE museums & galleries 25% off at 2,500 coffee shops Ikea £10 off £75 for students 20 FREE ways to feel good This week's best buys, including £19 fibre, 30mths' 0% debt shift, 5.6% loans Should we use the builder who messed us around on the quote? 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

Don't miss out! Get inspired by our... 10 MoneySaving successes that've made a SERIOUS difference, incl... - £4,800/year Pension Credit claim - £37,000 in bereavement support - £4,500 overdraft charge reclaim - £500/year Sky haggling saving  With energy bills and inflation still sky-high, and interest rates still rising, the cost-of-living crisis continues unabated in 2023. Yet many are unaware they're due £1,000s. Every week, we hear from scores of people who have used our MoneySaving tips to play the system, nab a great deal, right wrongs, or claim what's rightfully theirs. Hopefully their examples below will motivate you to follow in their footsteps. If even one of these applies to you, it could make a huge difference... 1. 'Claiming PENSION CREDIT increased my mum's pension by nearly £5,000 a year.' If you're over 65 and have income of less than £220 a week (or £320 if you're a couple), it's worth checking if you're due Pension Credit. It can be worth £1,000s a year, but more than 800,000 pensioner households who are eligible don't claim. Check online or call the Pension Credit helpline to see if you're due. If you don't qualify but know someone who might, help them check too.  As well as the extra cash, it also opens the door to other benefits and discounts, as Debbie emailed Martin in June: "My mum's finances changed when my dad went into a care home. So after I read your blog, I applied online for Pension Credit for mum. She now gets about £400/month [£4,800/year], a free TV licence and has cut her BT and water bills by going on social tariffs. It really pays to apply." 2. 'I saved £1,000s in credit card interest using your eligibility calculator to find a 0% BALANCE TRANSFER.' A balance transfer is where you get a new credit card to pay off debts on old ones, so you owe it instead, but at 0% interest for a set time. Yet acceptance is key, so use our 0% Balance Transfer Eligibility Tool, which shows the top cards you're most likely to get before you apply. In July, Jordanne emailed: "I read your email with Martin's warning for anyone paying credit card interest. After using the eligibility calculator, I've successfully transferred a £6,000 balance costing me £1,000s in interest, to a 0% card for 27 months - meaning that I can be (credit card) debt-free in 2 years. Thank you!" 3. 'My mum received £37,000 in BEREAVEMENT SUPPORT.' If you've lost a partner and were unmarried with children, a rule change means some can now claim backdated payments worth £1,000s - known as 'bereavement support'. However, the deadline to apply, 8 Feb 2024, is now just six months away. See bereavement support to check if you qualify.  Jamie wrote in last month: "My dad passed in 2015, however mum wasn't eligible for support - despite them being together over 20 years, with 3 children. Yesterday she received a backdated payment of £37,000 and will get £139 a week while she still gets Child Benefit for my sister. I wholeheartedly thank you for the work you do to raise awareness." 4. 'I'm saving over £700 a year after switching to a WATER METER.' On a water meter, you only pay for what you use, rather than paying a fixed bill based on estimated usage depending on your home's size. Martin's rule of thumb is... More bedrooms in your home than people, or the same number (eg, three bedrooms, two people)? A water meter is likely to save you cash. Try a water calculator to get a better picture. Katy emailed us her HUGE saving last month after pulling the plug on pricey bills. "Thanks to Martin's reminder, I got a water meter fitted and my bill has gone from £67 a month to £5 a month [saving £744 a year]. Brilliant and really easy to sort." PS: If you're on a low income or some benefits, check if you can get a social water tariff or help through the WaterSure scheme. 5. 'I DITCHED MY FIXED CASH ISA to make £1,700 extra interest.' If you ditch a fixed cash ISA before the term is up, you'll usually have to pay an interest penalty. Yet with savings interest rates rising rapidly, it's often worth it for ISAs more than a year old. Use our fixed ISA calculator to find out if it's worth ditching and switching.  Gavin emailed in April, showing how much extra interest he made even after a penalty: "I hadn't realised ISAs had a get-out clause. I transferred 3 of them and thanks to the ISA calculator I was confident of the penalties. Unbelievably the transfers have gained me £1,726 additional interest. I'd never have known without MSE." 6. 'Spending £3,000 on NATIONAL INSURANCE YEARS has bought me a £1,000 a year state pension boost.' To get the full state pension, you need a full national insurance (NI) record - but if you have gaps in yours, you can usually buy extra years to fill 'em. Temporary rules mean you can buy missing years from as far back as 2006, so anyone aged 45 to 72ish should check now. Our buying national insurance years guide has the full step-by-step to help you decide if it's worth doing.  Sally emailed last month: "I got through to the Future Pension Centre phone line after several weeks of being cut off. I was missing four NI years. With a payment of just over £3,000 I will boost my pension by £1,000 a year! Very happy, thank you Martin." 7. 'We got £6,000 towards our deposit after opening LIFETIME ISAS.' A Lifetime ISA (LISA) can be opened by anyone aged between 18 and 39. You can use it to save up to £4,000 a year, towards a first home costing up to £450,000 OR for retirement, and the state adds a bonus of up to £1,000 a year on top. Using a LISA consistently can contribute a decent chunk to your deposit, just like it did for Steven and Jade who emailed in March: "We opened a LISA each and deposited the max £4,000 for three years. We saved £24,000 in total - gaining a bonus of £6,000 between us. We combined this with other savings to put down the deposit for our first home. Thank you for your help getting us to this stage in our lives." 8. 'We got a £7,500 refund and will save £1,000/yr because we qualify for a COUNCIL TAX DISCOUNT.' If you are a student, live-in carer, live alone (or only with under-18s), have a disability or 'severe mental impairment' (SMI), or are on a low income/benefits, you may qualify for a council tax discount. Back in May, John emailed to tell us his bill was cut by 50% because he and his wife qualified as live-in carers for their daughter, who has an SMI: "After reading your email about the carers' council tax discount, we applied and got a 50% discount, backdated by 7 years, meaning a refund of £7,500. We also now pay £1,000 a year less." PS: In England/Scotland? Is your home in the wrong council tax band? 9. 'I got £4,500 of OVERDRAFT CHARGES back.' If past overdraft or bounced cheque/direct debit fees put you into financial hardship, or made your situation worse, check if you're eligible to reclaim these bank charges. Only this month, MSE Forumite brightpinkgerberas wrote: "I recently reclaimed bank charges and wanted to share how easy it was using the template provided by Martin. I stressed that daily charges had hit me hard, and they hadn't provided any support. In just over a month they called to say I'd receive £4,500 back. To say I'm blown away is an understatement." 10. 'I'm saving £500 a year off my Sky bill after using MSE's HAGGLING TIPS.' The best savings usually come from switching broadband and TV provider, but if you don't want to, haggling with your existing one can help you slash costs. See full help in our Haggling guide. Cathy followed our tips to save large, and emailed earlier in August: "Thanks so much for telling us to haggle. We were paying Sky £106/mth. Went through the process of leaving and were offered a better TV deal and upgraded to superfast broadband for £64/mth. A yearly saving of £504. Thanks again." PS: You've shared your successes, so we're sharing ours. Read MSE Katie's campaigns update - find out how we've been fighting your corner in 2023.

 

 

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.

 

 

 

Car insurance due soon? Don't buy last-minute - remember the perfect time's 20 to 26 days ahead Renewal not due? Check anyway - with prices continuing to rise, it can forestall higher costs New car registrations are released in September (and March) - and related to that, these months also see a spike in online searches for car insurance. But our analysis shows the cheapest time to get car insurance quotes is 20 to 26 days before you want your policy to start - it's more expensive if you're too early or too late. So if you're looking to renew in September, now's the time to start checking. But with car insurance premiums at their highest since records began in 2012, according to the ABI - the insurers' trade body - and with no sign of this reversing, it's not just those with an upcoming renewal who should get a quote. EVERYONE should check now if they can lock in a decent price - as if you can, you lock in today's premium, forestalling future cost increases for a year. Full help in Cheap car insurance, but in brief... NEVER auto-renew. Always check what's out there, as your insurer's not necessarily going to have the market's cheapest policy, as Rudi found: "My renewal came in - up from £585 to a whopping £960, with no changes and no claims. Using your tool I was able to renew for £409 on exactly the same terms, saving £551! Never, ever automatically renew😁 Thank you!"   Combine comparison sites for 100s of quotes in minutes - and more. Our Compare+ Car Insurance tool has helped thousands find cheaper car insurance... - You fill in one questionnaire. We've borrowed MoneySupermarket's - we're part of the same group - so if you've used it before, it auto-fills answers. - Get MSE tips as you answer. Such as the 'best time to get insurance' analysis above. - See your cheapest insurers from the comparison as a benchmark. But of course we want you to beat them... - Get personalised tips to try for an even bigger saving. Including whether to add an additional driver or pay annually not monthly - and some have one-click checks, so it's easy to find out whether they'll work. - See whether other sites can help slice down your costs even more. We assess if Direct Line (which isn't on comparisons) is likely to be cheaper for you, and give you our latest comparison site order of others to try, as MoneySupermarket may not be your cheapest. DON'T think 'this isn't for me - I'm not at renewal'. If you can save, or at least find a decent price, you can lock it in, forestalling rises for another year. Then, provided you haven't claimed this year, you can just cancel your policy and get a pro-rata refund if you paid upfront, minus a usually £50ish admin fee. See Cancel your car insurance for help. The main negative is you won't earn the year's no-claims bonus, but for big savings, it's often worth it, as Jenny found: "OMG! I have just saved a whopping £756 a year on my car insurance thanks to MSE! This was switching mid-policy too... they even calculated that there was no fee and paid me a £17 refund... so chuffed."   Make sure the policy is right for you and complain if you're unfairly treated. As with any insurance, check the policy details and make sure that insurers are regulated by the Financial Conduct Authority before you buy. If a claim is unfairly rejected, remember you've a right to take 'em to the free Financial Ombudsman.

 

New. E.on customer? You can pay an average £50 LESS than the Energy Price Cap for the next year. This new deal currently looks like a no-brainer if you're on E.on's price-capped tariff. Not with E.on? Octopus, British Gas, Sainsbury's and Shell have decent existing-customer offers too. Full info, plus a few switchers' deals, in Should I fix? A quick favour for our Martin... He's off, but he's just been shortlisted in two National Television Award categories, so if he's ever helped you save, please vote for Martin on pages 5 & 6 (click through to the end or it won't count) as there's very stiff competition. A win would be a strong message to show broadcasters how important money help on TV is right now. Ends Thu. Unlimited data Sim just '£11.25/mth' - cheapest we've ever seen. This iD Mobile Sim (uses Three's network) is £15/mth, but you can CLAIM (don't forget) a £45 Amazon or Currys voucher within 3mths. Factor that in over the 12mth contract and it's equivalent to £11.25/mth. Want less data or a different network? Use Cheap Mobile Finder. How to beat the Disney+ £36/yr price hike. It's the latest streaming service to jack up subscription costs. Disney+ Top 5% easy-access savings, plus top big-name Post Office now pays a close 4.7%. App-only Tandem pays 5% with no minimum deposit. The rate includes a 0.35% 12mth bonus (if you click 'top-up' in the app once it's open), so it'll drop after that expires. Top online account: Cynergy Bank pays 4.8%, including a 0.75% 12mth bonus (min £1). Top big name: We know many like to save with a name they know, and Post Office* now offers 4.7% (min £1), though there's a big 3.15% 12mth bonus. All rates are AER variable. Full info & more options, including fixes, in Top savings. 5 Vue cinema tickets for £22, or 10 for £40. For screenings up to 30 Sept. See this & more deals in 25 cinema savers. New. Renters: What are your rights if your rent is hiked? As promised, we're launching Scotland, Wales and Northern Ireland guides to join Rental rights in England. They'll tool you up on your rights if your landlord's hiking payments. From Wed. £115 of Nars, Urban Decay, Benefit & more beauty for £40. 15-item set, including mascara, lipstick and blush. Boots beauty box Bank not treating you right? Ditch it for a FREE £200, 1% cashback, 7% savings or top service. If you missed it last week, see how switching (or simply opening an extra account) can boost your coffers. MSE's banking bulletin

 

 

BLAGGED FOR MSE - 20 packs of veg seeds for £10 3,000 sets available - Grüum sunscreen & aftersun oil £4 18,000 sets available - Free 30-day Coffee Club trial, including Caffè Nero Ends 30 Sept	DID YOU MISS? - Premium Bond prize rate to rise to 4.65% - are they worth it? - Grab dirt-cheap craft materials for £1 via scrap stores - 10% off iPad/Mac + free £130 gift card for students & teachers - Bank branch closing? Where to go for cash, deposits and more - Drive in London? Beware fees as ULEZ expands

 

 

Top student 0% overdraft accounts 2023/24: free 4yr railcard, FREE £100 cash & more Even if you're not a student, share this with someone who is - it could save them £100s Scottish Higher students are already celebrating their results (or not) - and A-level students will join them later this week. More than 400,000 of these school leavers will start a degree this autumn, with many leaving home and managing their finances for the first time. One key tool to help here is an overdraft - where the bank lets you spend more than you've got (up to a certain limit). And while we generally caution against debt, the overdrafts on these student bank accounts are interest-free, so can help you to budget. Full help's in Student bank accounts, but here's how to choose, and our top picks... Don't be swayed by freebies - the overdraft is key. Many accounts try to tempt you with free cash/perks. While that's part of the equation, a large 0% overdraft is more important, so you've as big a spending buffer as possible (though don't use all of it if you don't need to). - What's the difference between 'guaranteed' and 'up to' overdraft limits? If a limit's guaranteed, everyone accepted gets it. Yet most banks give 'up to' limits, and what you get is based on your credit history, so there's a bit of risk. - What does credit history mean for students? It's a little unclear as most students don't have much credit and therefore have little history. If you do have credit elsewhere (eg, buy now, pay later or credit cards), make sure you're not maxed out and that you always pay on time. To maximise your chances of getting the overdraft increased each year, don't bust the limit, pay in to the account regularly (at least every term), and keep up to date with bills. Our top pick offers the highest DEFINITE 0% overdraft. But as its maximum is on the low side, do consider other accounts, especially if you'll manage your account well... Top new student bank accounts 2023/24 Account 0% overdraft offer Freebies & how to get them Santander 123 Student* (pay in £500+ a term and register for online banking to qualify) EVERYONE accepted gets: - £1,500 in years 1 to 3 - £1,800 in year 4 - £2,000 in year 5 FREE four-year 16-25 Railcard. This gives a third off many fares and usually costs £100. You're sent a code via online banking within 5 days, which you must use within 60 days. NatWest Student (also offered by sister-bank RBS) EVERYONE accepted gets: - £500 in the first term Then, based on credit history: - Up to £2,000 until the end of year 2 - Up to £3,250 in years 3+ £100 FREE cash & four-year Tastecard. You get these automatically when you open the account - the £100 is paid within 10 working days and you'll be emailed a code to redeem the Tastecard within 5 days. HSBC Student* EVERYONE accepted gets: - £1,000 in year 1 Then, based on credit history: - Up to £2,000 in year 2 - Up to £3,000 in years 3+ £100 FREE cash & one-year Headspace subscription. To get 'em, use the debit card 5+ times within 30 days of opening. The £100 is paid within 30 days and you're emailed the Headspace voucher within 45 days. Nationwide FlexStudent* (pay in £500+ a term to qualify) Based on credit history, you get: - Up to £1,000 in year 1 - Up to £2,000 in year 2 - Up to £3,000 in years 3+ £100 FREE cash if you pay in £500+ by 15 Dec 2023. It's paid within 14 days of the cash going in. These accounts are available to freshers, but others may also qualify. New university students can apply for all the deals above, though you'll usually need to prove you're about to start a course. Those in later years or doing certain apprenticeships or BTEC courses may also be eligible too. See Student bank accounts to check whether you qualify.

 

20 packs of veg seeds £10. MSE Blagged. Normally £15ish, 3,000 sets available. Precious Plants Grüum sunscreen & aftersun oil £4 delivered (normally £27). MSE Blagged. 18,000 sets available. Grüum New. Get PAID to play games on your phone. Whether by the pool on hols or on the sofa at home, use your screen time to boost your coffers (think more meal out than mortgage payment, but every little helps). Quick tips & top apps in MSE Sarah's new Make money playing mobile games guide. FREE museums & galleries. Out of summer hols activity inspo? Keep kids entertained with a free museum/gallery visit. Free 30-day Coffee Club trial - gets 25% off at 2,500 coffee shops, including Caffè Nero. MSE Blagged. Plus 99p/mth membership if you want to continue (normally £2.99/mth). Coffee Club Ikea £10 off £75 for students. In store or online. See Ikea £10 off. Updated. 20 FREE ways to feel good, including meditation apps & how to meet new people (or animals). Today (Tue) is International Relaxation Day, a great excuse to update our Free ways to look after yourself guide.

 

 

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AT A GLANCE BEST BUYS 0% balance transfers Longest 0%: Barclaycard (check eligibility / apply*) - up to 30mths 0%, 3.45% fee (24.9% rep APR interest) No-fee 0%: NatWest (check eligibility / apply*) - 16mths 0% (23.9% rep APR)   Best bank accounts £200 to switch + £36/yr cashback: NatWest / RBS £175 to switch + top service: First Direct Top savings accounts Top easy access: Tandem 5%, no min Top one-year fix: OakNorth 6.02%, min £1   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: AIB (NI) (apply), 5.6% rep APR Broadband top picks Standard (10Mb+): Shell Energy '£18.55/mth' Fibre (30Mb+): Shell Energy '£18.83/mth' Fast fibre (55Mb+): Shell Energy '£19.44/mth' Superfast fibre (100Mb+): Vodafone '£21.05/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 to 30GB data: Lebara, '£3.57/mth' for 12GB 31GB+ data: iD Mobile, '£11.25/mth' for unlimited data

 

THIS WEEK'S POLL How do you rate your broadband provider? We can tell you which are the cheapest broadband providers, but to keep our customer service ratings updated, we need your help. Please rate your provider on customer service (not price) over the past six months. Vote in this week's poll. Half of pet owners spend more than £1,250 a year on their animal companions. In last week's poll, we asked how much you spend each year on your pets. More than 3,500 people responded, with 50% of you spending £1,250+. Dogs were the most popular pet with 54% saying they had one, but they were the second most expensive (with horses the most expensive) - generally the smaller the animal, the less owners tended to spend. See full poll results.

 

 

MSE NEWS - Top story: Wilko falls into administration - your refund and shopping rights

 

 

MONEY MORAL DILEMMA Should we use the builder who messed us around on the quote? A builder gave us a quote for work at our house but it was way over the odds, which he said was due to the rising cost of materials. Although we've heard good things about him, we told him it was beyond our budget and started to look elsewhere. He then came back saying he didn't have much work on, and lowered his quote considerably. Should we go with him now that the price is more manageable, or, as it seemed like he was overcharging us originally, go with someone else and risk lower-quality work? Enter the Money Moral Maze: Should we use the builder who dropped his quote? | Suggest a Money Moral Dilemma

 

 

MSE TEAM BLOG - MSE Forum highlights: Scrap, scaffolding & Spanish food

 

 

MSE TEAM APPEARANCES Wed 16 Aug - BBC Radio 4, You and Yours, with MSE's Gareth Shaw, from 12.30pm Thu 17 Aug - BBC London News, with MSE's Katie Watts on Plan 5 student loan changes, from 6.30pm

 

TIMELESS CLOCKS & TIRELESS FOOD MIXERS... WHICH ITEM OF YOURS JUST KEEPS ON GOING & GOING? That's all for this week, but before we go... we asked our social media followers what items they have that have stood the test of time. We got some brilliant examples of longevity, including a 48-year-old Singer sewing machine that just won't quit, a trusty 45-year-old Sony clock radio, a 40-year-old Philips electric shaver that's endured almost daily use, and a Habitat clock bought in the '70s that's only needed three battery changes in half a century. But we had to smile at the MoneySaver who said they'd had the same broom for 20 years - though it has had 17 new heads and 14 new handles. Only Fools would fail to be impressed... Tell us about the long-wearing items you own in our Facebook and Twitter conversations. 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 postoffice.co.uk, santander.co.uk, hsbc.co.uk, nationwide.co.uk, natwest.com, barclaycard.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.