Age 66+? Are you missing out on £3,500?, Free photo Xmas card, Combine cashback to earn £1,000s?, urgent 0% debt shift

Plus... £140 No7 for £42, £130 Vax £80, Are u due £100s energy credit back?, 50% off posh coffee

                                                           

05 December 2023 | View in browser

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THE TOP TIPS IN THIS EMAIL Max cashback to earn £100s or £1,000s a year, including... - Grab up to 5% on spending - Get 1% back on your bills - Boost earnings via cashback sites Martin: Aged 66+ and ill or disabled? Check if you're missing out on £3,500/yr Go quick. Shift card debt to 28mths 0% FREE personalised Christmas postcard Does your energy firm owe you £100s? New. British Gas launches cheaper fix Martin video: Earn 8% on savings... ... plus boost savings 50% if you're on a low income £130 Vax spot cleaner £80 How much do Christmas lights really cost to run? Early access. £140 of No7 skincare £42 Urgent. Over 65 & income under £220/wk or £320/wk if in a couple? Check if you're due Pension Credit 8pm tonight. The Martin Lewis Money Show Live Martin's pod: Wills, Power of Attorney, call centre tricks & more 'I saved £210/yr haggling with BT' How to get a cheap (& sustainable) Christmas jumper from just £3 50% off Barista & Co coffee 'Tis the season for Christmas comping Can you help Martin's MMHPI charity? This week's best buys, including superfast fibre '£23/mth', 5.22% easy-access savings, 100GB Sim '£6.25/mth' Should I pay more towards my partner's bills than my own? BEST BUYS & TOOLS MSE Cheap Mobile Finder Credit Club including free credit report 0% balance transfers Compare broadband deals MSE Compare+ Car Insurance 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

How to become a CASHBACK COMBINER and earn £100s or £1,000s a year Earn more every time you spend or pay bills, by combining the right account, card, app and site to max rewards Many know you can earn cashback on some credit cards, debit cards, apps, and via cashback websites - but to max it, you can combine all four routes to become a cashback champion. Firms like to influence your behaviour with little financial nudges, but this is all about taking their incentives, then perverting what they want you to do, so you do what's right for you. Of course this isn't an excuse to spend more, just do what you'd do anyway, but get paid as you do it. Some can make over £1,000 a year doing this. Route 1. Plastic fantastic Swap the card you pay with to earn 1% to 5% cashback on all spending The easiest way to gain cashback is simply to change the card you put in your (digital) wallet and use it for all your normal spending. Most cards give you diddly-squat, so simply grab one that pays you... Top pick: Chase DEBIT card 1% near-instant cashback, no credit check, no need to swap bank account. With the Chase* app-based bank, you needn't switch to it to get the perks, so just add money from your normal account that you want to spend. It only does a 'soft' ID check on application, so won't affect your ability to get credit later if you're rejected. You get 1% up to a max £15/mth on normal spending (it excludes buying cars, art & gambling and more, see the full list). The cashback is paid speedily once payments are processed. It's also a top card for spending abroad, as there's no foreign exchange fee and you get the cashback when away too. See our full Chase review for more details. As NeillyBoy tweeted: "@MartinSLewis £205 earned via Chase since May 2022. Nothing more than everyday spending, subscriptions etc. Great service and so simple to manage." Big transaction due? Big spender? Get 5% cashback for up to 3mths + a free £10, then up to 1% after with Amex's Everyday CREDIT card. Those accepted for American Express Platinum Everyday get 5% cashback for 3mths, up to a maximum of £100 paid after a year. So if you've a big one-off purchase due, it's perfect. After that, it's 0.5% up to £10,000/yr and 1% above. You must spend £3,000+/yr to get any cashback, so ensure you fulfil that (though to get the free £10 you just need to spend £1+ in the first 3mths). Of course it's a credit card, so only do it if you'll repay IN FULL each month or the 31% rep APR dwarfs the cashback gain. For big spenders, it's good to use alongside Chase: Use this card for the first 3mths, then once you've spent £1,500 in a month on Chase, maxing its cashback, use this for anything on top. Though really big spenders can also look at the Amex Platinum Cashback credit card - it also pays 5% cashback for 3mths but with a higher max cashback limit of £125, plus you get a free £25 cashback just for spending £1+ in the first 3mths. Frequent flyer? Airline rewards cards can outperform. If you fly a lot, especially long-haul, then see our frequent flyer cards rundown, which in that case are more lucrative than some cashback cards. Bank with Barclays, Halifax, Lloyds, Monzo, Santander or Virgin? We're not the biggest fan of 'personalised cashback offers' as they tend to be very hit and miss, and change regularly (eg, MSE Gareth was offered 15% cashback on an £80/yr Disney+ subscription), but if you bank with any of these, check them out, you'll usually have to activate them via their app or online banking. Route 2. Get cashback when you pay bills Get 1% back on all Direct Debit bills (even if it's a joint account) While cashback is usually on spending, some of our biggest expenditure is regular money that drips out of our accounts each month to pay for the bills. Well, there's a way to get some cashback on that too. There's less choice than there used to be, but one standout. This is especially good for couples who have a joint account for bills (you can then use the free cash accounts below to grab money for yourself). Santander Edge 1% bills cashback up to £20/mth. Again you can get this without needing to switch bank. You pay £3/mth for a Santander Edge* account to get the cashback in two categories, with a combined £20 maximum paid out each month. - 1% on bills: water, council tax, energy, broadband, phones, paid-for TV paid from the account, up to a max £10/mth. - 1% on some spending: supermarket, fuel, and train and bus travel spending, up to a max £10/mth. For someone with average bills, we'd expect the gain to be around £80/yr to £100/yr. If you've bigger bills, the Edge Up is worth a look - it costs £5/mth, but the cashback is capped at £15/mth on both. To qualify, you need to have £500/mth paid into the Edge account or £1,500/mth into the Edge Up, and a minimum of two direct debits. Obviously the spending is the same as Chase, but it's worth putting your supermarket, fuel or travel spending on Santander, so you can leave room on Chase to get cashback on other things. Switch banks for up to £200 FREE CASH Both Chase and Santander Edge don't require you to switch to them to get the cashback. Yet two banks that do will pay you to do so. While not strictly cashback, they're worth an honourable mention. First Direct. FREE £175 plus max £135 interest = £310. Accepted switchers get a FREE First Direct £175*. The bank is top for service, rated 90% 'great'. If you put the max £300/mth in its 7% fixed linked 1yr regular savings account, you make £135 interest. You also get a top debit card for spending abroad, and many get a £250 0% overdraft. Full info in FD eligibility & review. Nationwide. FREE £200 plus max £103 interest = £303. Accepted switchers get a FREE Nationwide £200. If you put the max £200/mth in its 8% variable linked regular saver over a year, at its current rate you'd earn £103 interest. Many also get a 1yr 0% overdraft - how much depends on your credit score. Full info in Nationwide eligibility & review. Full info and more options in Best bank accounts. Route 3. Cashback sites with £30 BOOST Cashback websites pay you to buy through them We've talked about getting cashback by how you pay, now on to how to get cashback by how you buy, which you can get on top. Cashback sites get paid by retailers and providers when you spend through them, and to get you to do that, they share some of that money with you as cashback. Once we knew we were writing this note, we asked the two big sites if we could blag extra cashback for newbies signing up to them, both agreed. Full info in cashback site pros & cons. Topcashback* £30 extra cashback if you spend £5+ Quidco* £26 extra cashback if you spend £5+ Many MoneySavers report doing well on this, as Jonathan tweeted: "@MartinSLewis Around £200 on Topcashback this year. £135 of that for my Sky package, which I would have bought anyway. Another trick is to convert to Avios as you get one point per 1p!" Some say they've earned £1,000s over the years with cashback sites. Do bear in mind that cashback from these sites is NOT guaranteed till it's in your account, so see it as a bonus rather than a certainty - don't change what you'd buy based on it. And be aware it can take three to six months to get your mitts on the money. Route 4. An appy way to add a little extra Cashback, eg, 3% at Waitrose as a discount off your mobile bill This last one is the icing on the cake, as you can get it on top of cashback from plastic and from cashback sites. Airtime Rewards. Link all your bank accounts to cashback app Airtime Rewards via Open Banking, and it automatically tracks spending at 150 retailers and gives you cashback. These include big retailers such as Greggs (1%), Argos (2%), Waitrose/John Lewis (3%) and Boots (4%). You can also get decent cashback on train operator LNER (8%) and online groceries with Amazon Fresh (10%). The cashback is redeemable as credit against your mobile bill for the major networks: EE, Giffgaff, O2, Three and Vodafone. Sadly, it doesn't work with piggybackers (the providers that use the major networks' signals, eg, iD Mobile uses Three, Voxi uses Vodafone). Alternatively, you can gift it to another Airtime Rewards user. As Debbie emailed: "Martin very briefly mentioned this on one of his programmes. I downloaded the app and have already earned £9 and have £60 pending. I haven't bought anything I didn't need, just smarter shopping. Thank you."

 

 

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.

 

 

 

Important: Martin's alert for ALL disabled or ill pensioners If you, or a loved one, need help with daily living, check out Attendance Allowance - up to 1,100,000 miss out on £3,500/yr according to our exclusive new research Earlier this year, we asked if you are one of 21m missing out on £19bn in unclaimed benefits - including Universal Credit, water bill help, Housing Benefit - and then explained how to check. Many were surprised at what they were entitled to, yet a few also suggested to me that we look at Attendance Allowance (a payment to help cover costs of pensioners who need someone to 'attend' them) as there's a huge lack of awareness. So we set things in motion and started work with Policy in Practice, which identified the 'missing out' numbers in the original research. The results are staggering. It has estimated up to 1.1m aren't getting the £3,500/yr minimum Attendance Allowance they're due in Great Britain (the stats don't cover N. Ireland, but the benefit does). MSE Ben & Rosie have prepared a great new Attendance Allowance help guide that we launch today. In brief... It ISN'T means tested. It's for pensioners who need some daily living help. Don't assume you won't qualify. With Attendance Allowance (AA) your finances are irrelevant, there's no means testing, so it's not just for those on lower incomes. To get it, you must be of state pension age (so currently at least 66). - There's no specific conditions list. It can be a mental or physical disability/illness. What counts is its impact on you. - You must've needed either help or supervision for six consecutive months (even if you didn't get the help). - Help means assistance with daily living (eg, washing, eating, shopping), so even if you don't think of yourself as disabled, you may be eligible. Supervision means someone to watch you to avoid danger to yourself or others. - It's common for those with Parkinson's, dementia, terminal illness, blindness, learning difficulties and more. If you have Power of Attorney for someone, you can apply for them too. If you're looking after someone who meets the criteria, you can apply for them as long as they can sign the form or you've Power of Attorney. Basic Attendance Allowance is worth £68 a week (£3,540 a year). There are two rates of AA: - Lower: Those who need help during the day OR night get £68/wk (£3,540/yr). - Higher: If you need help BOTH during the day and night OR have under 12mths to live, it's £102/wk (£5,300/yr). Claims CAN'T be backdated, so do it ASAP, as Christina's experience shows: "My mother missed out on 7yrs of AA, which would've been £20,000, and sadly died after only a month of claiming it. My elderly father had looked after her for years and spent savings on making her life easier without knowing there was help." Please let us know how you get on. Attendance Allowance may unlock access to £1,000s of other extra help. Sometimes AA is the key to eligibility, more often it's likely an indicator you may get other help. Here's a rundown of some areas to look at... - WILL qualify for a Disabled Person's Railcard. Costs £20, you & a companion get 1/3 off rail travel. - MAY be accepted for a blue badge to park in places others can't, often for free, but it's council by council. - MAY get council tax help. You may qualify for the horrible-sounding severe mental impairment (SMI) discount, which can mean 25% discounts for some or 100% for those who live alone (or with someone else with an SMI). - LOW INCOME? You may also be due £76/wk extra Pension Credit, or up to £390/mth extra Universal Credit. - HAVE A CARER? If someone close to you looks after you unpaid for 20 to 35hrs a week, AA may mean they get Carer's Credit. If they do over 35hrs a week on low pay, then they may get paid Carer's Allowance, though how this interacts with AA is complex - see Carer's Allowance with Attendance Allowance help. - LIVE-IN CARER? If you live with someone who cares for you, you may be entitled to a council tax discount. Warning. Beware if you get Personal Independence Payment (PIP) or Disability Living Allowance (DLA). Both PIP and DLA are usually worth at least as much as, and often more than, AA and you can't get both. See our AA clashing benefits help, and if you're unsure, it is best to get free help from a benefits adviser before doing owt if you're on these. How to claim Attendance Allowance. There's a paper form to fill in. You'll need to gather your paperwork together first, and sometimes attend an assessment (the better you fill in the form about your condition, the less likely). See our step-by-step applying for Attendance Allowance help.

 

Send a totally FREE personalised photo Christmas postcard. MSE Blagged. For newbies to the free FreePrints Cards app, they even post it for you. It's normally £1.25. If you're sending Christmas cards, or celebrating any other occasion, this could be one for you. Related: 33% off at Scribbler. Updated. Does your energy firm owe you £100s? 5 steps to get it back. Energy firms are sitting on over £8bn of our Direct Debit credit... 1) Ensure you've an up-to-date meter reading. 2) Use our updated 'Is your direct debit right?' calc, which now includes Jan's 5% price rise data. 3) Check if you're in credit - about 2mths of DDs is right at this point in the cycle, a lot more isn't. 4) Too much credit? See how to get it back. 5) If your DD's substantially too high, ask for it to be lowered. New. British Gas launches cheaper fix available to new & existing customers. Plus Octopus launches a cheaper existing customer deal. Are they worth it? See our guide for full info. Two new Martin savings mini-video briefings Everyone: Earn 8% on your savings (& possibly £200 more on top). Martin's 3min 8% savings video. On a low income: How you can get 50% added to savings. Martin's Help to Save video. £130 Vax spot cleaner for £80 via 5,000 discount codes. MSE Blagged. This is the cheapest Vax has ever sold these small carpet cleaners (for upholstery, stains, car seats etc). Vax code. [PS from Martin: I was unsure about including a 'spot cleaner' deal, so asked on Facebook - Sheila's was the first response: "I've got a spot cleaner, it's really good, depends what make, if it's Vax I'm sure people would like to have the code."] How much do Christmas lights cost to run? Many have been asking, worried if they can afford it. We've crunched the numbers in our Christmas lights analysis. Related: Energy saving checklist. Boots No7 'Star Gift'. £140 of No7 skincare for £42. We've one day's early access to buy this £85 set half-price (everyone else can get the discount from Wed). No7 Star Gift Urgent, ends Sun. Are you over 65 and have total income under £220 a week or £320 a week if in a couple? If it's yes to both, urgently check if you are due the Pension Credit top-up to the state pension, as do it before Sunday and you can get an extra one-time £599. See Martin's Pension Credit blog for info, who qualifies and how to apply. Are you owed £1,000s? Reclaim, reclaim, reclaim - The Martin Lewis Money Show Live, 8pm tonight (Tue), ITV1. Over to Martin: "My focus tonight is three big reclaims due if 1) You went to uni, 2) You've had a loan or a credit card, 3) You've ever lost a partner. It's a very important programme, do spread word & watch or set the Betamax (or catch up later via ITVX)."

 

 

BLAGGED FOR MSE - Topcashback £30 cashback on a £5+ spend 15,000 available - Quidco £26 cashback on a £5+ spend 5,000 available - Totally free personalised Xmas card Ends Wed 13 Dec - £130 Vax spot cleaner for £80 code 5,000 available - 50% off Barista & Co coffee Ends Sun 10 Dec	DID YOU MISS? - Parents... don't miss Martin's Child Benefit warning! - £45 Elemis face cream vs £6 Aldi - plus more beauty dupes - National insurance cut - see what it means for you with our calc - £10 Baileys at Tesco and Sainsbury's (ends Wed) - Do you have a Power of Attorney? More important than a will

 

 

Can't afford to clear your credit cards? You can't afford not to try a balance transfer Shift card debt to 28mths INTEREST-FREE, but go quick, it mightn't be around long, see if you can save £100s ASAP This isn't great news, but it is important. The new longest balance transfer deal is 28mths 0%, after the old longest, 29mths, was pulled from the market. We're concerned other top deals will be pulled, with little better likely till after Christmas. A balance transfer is where you get a new card you ask to pay off debt on your existing card(s), so you now owe it, but interest-free - meaning your repayments clear the actual debt, not just cover the interest. So if you're paying credit card interest, or soon will (as your current 0% is ending), DON'T DELAY, check our 0% eligibility tool to see which cards will accept you. If you've a choice, go for the LOWEST FEE within a 0% time long enough to clear your debt. Always prioritise getting a card that gives you long enough to repay all the debt, with the lowest one-off transfer fee. Yet if you're unsure how long it'll take, play safe and go long. TOP-PICK NEW CARDHOLDER 0% BALANCE TRANSFERS (longest first) M&S Bank Link goes via eligibility calc or apply direct* - 28mths 0% - 2.99% fee (min £5) - 23.9% rep APR after Longest 0%. This card has a definite 0% period, so all accepted will get the full 28mths at 0%. Barclaycard Link goes via eligibility calc or apply direct* - Up to 28mths 0% - 3.45% fee - 24.9% rep APR after Longest 0%, but higher fee & some could get less time at 0% unless pre-approved in our eligibility calculator. If you're not pre-approved, you could get just 14mths at 0%. NatWest  Link goes via eligibility calc or apply direct* - 14mths 0% - NO fee - 24.9% rep APR after Longest NO-FEE 0% - a winner if you can clear debt quickly, and some get a GUARANTEED MIN CREDIT LIMIT. If you can clear the debt in 14mths, this is totally free, and our eligibility calc can tell those pre-approved their guaranteed minimum credit limit. Also offered by sister banks RBS and Ulster Bank, though they're not in our calc. As Jordanne emailed: "Thank you. After reading and using the eligibility calculator, I've successfully transferred £6,000, costing me ££££s in interest, to a 27mth 0% card - meaning I can be debt-free in two years. I'd applied a year ago and became discouraged after I couldn't transfer my whole balance. I continued to check, but noted I'd only be able to transfer some of it. After reading Martin's reply on this ['Even if you can only shift some, try, as that's some debt you won't pay interest on], I followed his advice and got the best outcome possible." Getting a card? ALWAYS follow the Balance Transfer Golden Rules: a) Never miss the minimum monthly repayment, or you could lose the 0% deal and it'll cost far more. b) Aim to clear the card (or balance-transfer again) before the 0% ends, or the rate rockets to the higher APR. c) Don't spend or withdraw cash. It usually isn't at the cheap rate and withdrawals may hit your ability to get future credit. d) The balance transfer must usually be done within 60 to 90 days to get the 0% - check. Quick balance transfer FAQs (click links for Martin's answers) Q. Is it worth applying if my eligibility odds are low? | Q. What if my credit limit isn't big enough? | Q. Can I shift debt to existing cards too? | Q. Should I try to pay off my biggest debt first? SPOILER: NO. Full help and info, including options for poorer credit scorers, in Best balance transfers.

 

New. Call centre staff's secret tips & unpleasant issues: wills, Power of Attorney & more... An important listen for anyone who's prevaricated on sorting a will or Power of Attorney - how to do it, and how to get through the 'I can't face it'. Plus secret gems from call centre workers. Listen to the new The Martin Lewis Podcast via BBC Sounds, Spotify, Apple Podcasts & more. 'I've saved £210/yr by haggling with BT.' Our success of the week is from Angus, who said: "I used your Haggling with BT guide and kept the package I have already, but saved £210/yr. The repeated walking away technique was brilliant, three times it came back to me before we settled. Thanks for your help." Great to read - the number one tip is to always be polite and charming, not aggressive, when haggling. If we've helped you save (on this, or owt else), send us your successes. Cheap (& sustainable) Christmas jumpers from £3. Thursday is Save the Children's Christmas Jumper Day, so get a festive and eco-friendly pullover for just a few quid with MSE Rhiannon's blog on cheap Christmas jumpers. Barista & Co 50% off selected coffee. MSE Blagged. Get a 600g bag of fresh coffee beans for £12.50 (normally £24.99). Choice of whole beans or ground coffee. The code also gets 50% off selected accessories, such as milk pitchers, coffee press, mugs and more. Barista & Co 'Tis the season for Christmas comping. Compers (hobbyists who regularly enter competitions) look forward all year to the influx of Advent competitions - retailers' daily free-to-enter giveaways - and are sharing their tips and successes on our Forum. Prizes so far include a £1,000 Ikea gift card and a Nintendo Switch Lite. Advent-ures in comping Martin: 'Whether it's suicide prevention, gambling, insurance or embedding debt help in the NHS - I'm proud of MMHPI. Can you help?' I set up the Money & Mental Health Policy Institute (MMHPI) in 2016 and wanted to make you aware of what it has done this year - and to ask those who've had mental health issues if you've any time to help. MMHPI impact and how to help

 

 

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AT A GLANCE BEST BUYS 0% balance transfers Longest 0%: M&S Bank (check eligibility / apply*) - 28mths 0%, 2.99% fee (23.9% rep APR interest) No-fee 0%: NatWest (check eligibility / apply*) - 14mths 0% (24.9% rep APR) Best bank accounts £200 to switch + 8% regular saver: Nationwide £175 to switch + TOP service: First Direct Top savings accounts Top easy access: Metro Bank 5.22%, min £500 Top one-year fix: Metro Bank 5.8%, min £500 Car insurance Try our Compare+ Car Insurance tool Cheap loans Cheapest for £5,000 to £7,499: Tesco Bank (check eligibility / apply*), 7.3% rep APR (must have a Clubcard) Cheapest £7,500 to £15,000: Tesco Bank (check eligibility / apply*), 5.9% rep APR (must have a Clubcard) Broadband top picks Cheapest fast fibre (55Mb+): Shell Energy '£17.32/mth' (though its customer service rating ain't great) Fast fibre (55Mb+), 'OK' service: Vodafone '£22.30/mth' Superfast fibre (100Mb+), 'OK' service: TalkTalk '£22.95/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, '£6.25/mth' for 100GB

 

CAMPAIGN OF THE WEEK Have you been a victim of fraud? The Home Affairs Committee, a group of MPs which looks at how Government policy on crime is working, has just launched a short survey. It wants to know what impact the fraud had on you, and your experience of reporting it (or your decision not to). It wants to find out whether current responses to reports of fraud are effective and if there are gaps in support for victims. Take the 10-minute survey.

 

THIS WEEK'S POLL Have you haggled with Sky, BT, the AA or any others this year? Did you succeed? Haggling can result in big savings - on anything from digital TV and broadband to breakdown cover and car insurance. Each year we try to gauge the success rates of those who have done it. So whether you've got cheaper prices, extra goods or better deals, please let us know how successful you've been. Vote in this week's poll. Cuckoo clocks in at number one again for broadband customer service. Last week, we asked what you thought of your broadband provider, and 5,500 of you responded. Of the providers that got more than 75 votes, Cuckoo came out on top with 98% of its customers rating it as 'great', with Zen Broadband close behind. Shell Energy took the wooden spoon with more than 50% rating it 'poor' (though it has just been sold to Octopus, so we're hopeful of change). See the full broadband poll results.

 

 

MSE NEWS - Top story: New scam ad protection measures to be introduced by Facebook, Google and more - More Than to stop selling car insurance policies - here are your options - British Gas extends half-price electricity on Sundays offer for some smart meter users until March 2024 - Expat with Barclays? What to do if your account is being closed - 'Unpredictable' broadband and mobile price hikes should be banned, say Which? and Citizens Advice

 

 

MONEY MORAL DILEMMA Should I pay more towards my partner's bills than my own? My partner and I want to live together in her home. She has a small mortgage on her property and I live in a narrow boat that's paid for. My living costs covering food, energy and water are £350/mth, and I believe that's what I should pay if I lived with her. But she thinks I should pay closer to £550, which is half her monthly living costs. In this case I'd be putting money towards her mortgage too, which seems unfair as I'll never own any part of her home. How would you split it? Enter the Money Moral Maze: Should I pay more towards my partner's bills? | Suggest a Money Moral Dilemma

 

 

MARTIN'S BLOG - I'm very proud the Money & Mental Health Policy Institute is having a big impact. Can you help?	DEALS HUNTER BLOG - How to bag a cheap (& sustainable) Christmas jumper from just £3

 

 

MARTIN'S APPEARANCES (WED 6 DEC ONWARDS) Wed 6 Dec - Ask Martin Lewis, BBC Radio 5 Live, 1pm Tue 12 Dec - This Morning, phone-in, ITV1, 10.20am Tue 12 Dec - The Martin Lewis Money Show Live, ITV1, 8pm

 

HORROR HAIRCUTS AND CHEAP LOO ROLL - WHAT'S ONE MONEYSAVING THING YOU'LL NEVER TRY AGAIN? That's all for this week, but before we go... what's a MoneySaving thing you've tried but just isn't for you? Many said they'd never reuse teabags again - not a surprise, as millions love nothing better than a good cuppa. Home haircuts were also out, after tales of terrible trims for kids and even dogs. One home cook's sticking to shop-bought houmous after branding their own effort 'grim'. It all goes to show saving money can sometimes be a pain in the bum... which some found out literally when they tried cheaper loo roll! Let us know what MoneySaving things you won't try again in our Facebook and Twitter conversations. We hope you save some money, The MSE team

 

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