Free £100 railcard trick for age 20-25, £20/mth fast broadband, "I got 50% off home insurance", Free £175 ending?, free £5 pretzel

Plus... 5% monthly interest ISA, two years' interest-free spending, marathon freebies, £39 beauty £5

                                                           

22 April 2025 | View in browser

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

 

THE TOP TIPS IN THIS EMAIL Halve broadband costs & double speed, including: - 264Mb fibre for '£21/mth' - 500Mb fibre for '£27/mth' - How easy is it to switch? Martin: Want ISA interest to boost income? Top monthly-paying account now 5.07% 'Ta. I got 50% off home insurance with your tool' Aged 20 to 25? FREE £100 four-year railcard trick Marathon FREEBIES Ending? Free £175 bank bribe Martin's pod: Is the £20k cash ISA going to be killed? Coupons: Free £2 yogurt, £2 off ice cream, 50p off energy drinks New. TWO YEARS' 0% spending Went to an employment tribunal between 2013 and 2017? Can you reclaim £100s? Get £50 cashback for investing £100+ FREE £5 pretzel £39 Grüum face, body & hair bundle £5 'We got £1,040 in compensation for an old flight delay using your template' Get freebies & vouchers for recycling, eg, free £10 Lush face mask, £5 off at M&S Can you bag £30 West End theatre tix? This week's best buys, including 10GB Sim £3/mth, 5.8% loans, 32mth 0% debt shift Money Moral Dilemma: Should I have to pay full cost for a break when I can only stay for half of it? 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 Best Sim-only deals

Halve broadband costs & double speed! April's price hikes are showing on bills for the first time. What do you now pay for broadband? New. Get 264Mb £21/mth or 500Mb £27/mth. Or if you can't get fibre, try 150Mb mobile broadband You might be in for a surprise when you see what your broadband now costs. Check your bill, or log in to your account. Despite new Ofcom rules banning inflation-linked annual price hikes, around seven million households remain on older contracts that still allow it, with 6% being typical. Don't just let them walk the price up each year - many of you are out of contract, free to switch and being ripped off by paying over the odds... Typical out-of-contract costs BT £840/yr 67Mb, Sky £520/yr 30Mb, Virgin £650/yr 132Mb   Cheapest deal Many can pay the equivalent of just £250/yr 264Mb, saving £100s Our broadband comparison tool amalgamates 30 providers' (biggies and a growing number of local players) short-lived promo deals sourced from a range of sites. This is as many as we can, and shows what's available at your postcode. These deals are usually NOT available direct, so use the specific links below. The cheapest broadband deals include... All via our Broadband Comparison as it's postcode-specific New. Community Fibre 550Mb broadband-only '£18/mth' (2yr contract) Local Available in many London boroughs and parts of Surrey and Sussex. This deal is £20/mth (rises by £2/mth in April 2026 & 2027), so you'll pay £508 over the 2yr contract. Plus you'll be emailed a choice of an £80 voucher for Amazon, Tesco, Selfridges and many others within 4mths of your first bill (do check your junk folder if not received). Factor that in as a discount and it's equivalent to £17.84/mth. Service rating: 8.4/10 (Good) New. Virgin 264Mb broadband-only '£21/mth' (18mth contract) Available to 60% of homes National Cheapest 100Mb+ fibre deal. You pay £25/mth (rises by £3.50 next April), but you get an AUTOMATIC £100 bill credit added to your first bill, so there's nothing to pay for the first four months. With that and the price rise factored in, you pay £374 over the 18mth contract, making it equivalent to £20.80/mth. Service rating: 3.4/10 (Poor)  Ends Wed.  Vodafone 150Mb broadband & digital line '£22/mth' (2yr contract) Available to 70% of homes National Cheap 100Mb+ fibre with decent service. You pay £26/mth (rises by £3/mth in April 2026 & 2027), so you'll pay £666 over the 24mth contract. Plus you'll be emailed a choice of a £140 voucher for Amazon, Tesco, Sainsbury's or M&S within 4mths of your first bill (do check your junk folder if not received). Factor that in as a discount and it's equivalent to £21.92/mth. Service rating: 5.5/10 (OK)  Ends Thu.  Sky 500Mb broadband & digital line '£27/mth' (2yr contract) Available to 70% of homes National Cheapest 500Mb+ fibre. You pay £32/mth, plus you'll be emailed a choice of a £120 prepaid Mastercard or shopping voucher within 4mths of your first bill (do check your junk folder if not received). Factor that in as a discount and it's equivalent to £27/mth over the 2yr contract. Service rating: 5/10 (OK). Note: Sky opts out of giving price rises in advance, but that means if it raises prices mid-contract, you can leave penalty-free. New.  Virgin 516Mb broadband-only '£30/mth' (18mth contract) Available to 60% of homes National Cheap 500Mb+ fibre. You pay £33/mth (rises by £3.50 next April), but you get an AUTOMATIC £85 bill credit added to your first bill, so there's nothing to pay for the first two months. With that and the price rise factored in, you pay £533 over the 18mth contract, equivalent to £29.63/mth. Service rating: 3.4/10 (Poor) New.  Three 5G mobile broadband-only '£18/mth' (2yr contract) National - MOBILE broadband though If you struggle to get fast fibre where you are, this is a good option. The router gets its connection from mobile signals, not cables into your home. Speeds vary, but in areas with decent signal, you can expect around 150Mb (some can only get the 4G option) - check expected signal strength in your area using its coverage checker and there's a 30-day grace period in which you can cancel. There are a few options, and the exact deals depend on which you get, but with its 5G indoor broadband service you pay £19/mth (rises by £2/mth in April 2026 & 2027), so you'll pay £484 over the 2yr contract, plus you'll be emailed a choice of an £60 Amazon, Tesco, Sainsbury's, M&S or Deliveroo voucher within 4mths of your first bill (do check your junk folder if not received). Factor that in and it's equivalent to £17.67/mth. On Universal Credit or similar benefits? Try a social tariff. Many providers offer special discounted social broadband tariffs, which give long-term cheap prices of usually £13/mth to £20/mth for 30Mb+. Add your postcode via the link above and, within your search results, you'll see the social tariffs local to you. - Ordered by our 'equivalent cost', which adds all costs, deducts promo credits and averages over the contract so you can compare easily. - Broadband service ratings tend to be worse than other sectors, so all scores are lower. See our full broadband service poll results. At least 50% of customers must get the advertised speeds at peak times. All bigger providers must also indicate your estimated minimum speed pre-application (this doesn't apply to Three's mobile broadband, but it tells you speed in advance and gives you cancellation rights). Slow broadband? Before switching, test your speed - is the issue just your Wi-Fi or is it the connection to your home? Do a speed check - first via Wi-Fi, then by plugging your device into the router (if you can). If Wi-Fi's a lot slower, try our speed-boosters. You no longer need to contact your current provider to switch. Until recently, switch broadband and with some providers (including Virgin), you've had to contact both your old and new provider to do it (sometimes leaving you paying for both during the overlap). Regulator Ofcom has now changed the rules, rolling out a 'One Touch Switch' service that means the new firm should seamlessly sort it for you. Don't want to switch? Haggle. In our December poll, the vast majority of those who'd haggled with the big broadband firms were successful. Use the deals above as a benchmark to help get costs down. Read full Broadband haggling tips. Switching usually only means about two hours' downtime - whether an engineer comes depends on what you're getting. You're told the switch time, and most don't need an engineer to set it up. There are exceptions to this - if you're moving to or from Virgin, you may need one (you're told before applying). Plus, if you're getting fibre to the premises (FTTP), which is where you have a fibre cable fitted to bring the connection into your home too, allowing speeds of up to 1,800Mbps, it may need someone to look at the externals of your home (but not to come into it). Members of cashback sites can sometimes undercut deals. In some cases, the cashback can mean these sites undercut promos elsewhere, though sometimes the deal differs - so check carefully. More in Top cashback sites.

 

 

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.

 

 

 

Q. 'Martin, what's the top cash ISA savings paying interest monthly and why are the interest rates lower?' A. The top ones pay up to 5.07% tax-free (and the rates aren't really lower) Some put money in savings to see it grow, others to earn interest for income to live off - and for that, interest paid monthly is usually better. I've talked a lot about top cash ISAs recently, as the new 6 April tax year means every adult has a brand new £20,000 tax-free ISA allowance, and the most common questions I'm being asked (that I haven't already answered) are on monthly interest, such as Julie's on Facebook: "I'm at retirement age so want my ISA to me give me a monthly payment. Could you compare the best rates that offer this? I spent ages scrolling T&Cs trying to find this out." So I want to answer them today... PS: It's also worth all savers listening to my new Is the £20,000 cash ISA going to be killed? podcast. First, a nicer ISA reminder... A cash ISA is simply a savings account you never pay tax on. You can put up to £20,000 each tax year in a cash ISA and the interest stays tax-free year after year. Just like normal savings, ISAs can be easy-access, notice or fixed accounts. Not only is the interest tax-free, it also DOESN'T count towards your personal savings allowance (the amount of interest you can earn tax-free each year from any form of savings) - so it's an extra allowance on top. See my full how savings are taxed video for a detailed explanation. Many top easy-access accounts pay interest monthly, though it's tougher with fixes. If the aim is to use the interest, you want it to a) be paid monthly, and b) not have withdrawal interest penalties. We've focused on the accounts that do both in the table below. There's a wide choice with easy-access, so there's little or no rate sacrifice to do it. With fixed accounts (where you lock money away in return for a guaranteed rate of interest), monthly interest works by them paying it into your normal bank account. It's fine with ISAs, where many top rates allow it, but with normal fixes, there are fewer higher payers offering monthly interest, so I've included top non-monthly payers there too, to let you compare (see top cash ISAs & top savings for a full comparison). Top monthly interest savings with unlimited withdrawals (AER) All accounts have the full UK £85,000 savings safety protection Top cash ISAs Top normal savings Easy access  All are variable rate, ie, the rate can change, so monitor it and ditch & switch if it drops Top rates - Trading 212* 5.07% variable (min £1). Rate includes a year's 0.72% newbie bonus. - Tembo 4.8% variable (app only, min £10). Transfers in from other cash ISAs delayed currently. Top bigger name  - Marcus (owned by Goldman Sachs)* 4.3% variable (min £1). Rate includes a year's 0.49% newbie bonus. Top rate - Charter Savings 4.59% (min £1). You can choose if interest is paid monthly or annually. Some top bigger names - Marcus (owned by Goldman Sachs)* 4.3% (min £1). Rate includes a year's 0.49% bonus. - Post Office* 4.05% (min £1). You can choose if interest is paid monthly or annually. Rate includes a year's 2.8% bonus - effectively a year's minimum rate guarantee, but then it'll plummet, so be ready to ditch & transfer. Top fixed savings Guaranteed rates of interest Cash ISA fixes can't lock your money away, so charge interest penalties if you close the account early. Still, a useful get-out-of-jail-free option if you need the money in an emergency. 1yr fixes: Charter Savings Bank 4.27% (min £5k) or Lloyds 4.25% (min £3k). Interest choice: Paid into your bank account monthly or at the end of the term. 2yr fixes: Charter Savings Bank 4.2% (min £5k). Interest choice: Paid into your bank account monthly, annually or at the end of the term. 3yr fixes: Ford Money 4.2% (min £500). Interest choice: Paid into your bank account monthly, annually or at the end of the term. Here your savings are locked away without access during the term of the fix.  1yr fixes: UBL UK 4.46% (min £2k), Virgin Money 4.31% (min £1) or NS&I 4.05% (min £500). Interest choice: Paid into your bank account monthly or at the end of the term. 2yr fixes: RCI Bank* 4.4% (min £1k) or NS&I 4% (min £500). Interest choice: Paid into your bank account monthly (or, for RCI Bank, annually too) or at the end of the term. 3yr fixes: RCI Bank* 4.45% or NS&I 4.1% (min £500). Interest choice: Paid into your bank account monthly (or, for RCI Bank, annually too) or at the end of the term. Top paying fixes NOT monthly interest 1yr fix: Cynergy Bank 4.65% (min £1k). 2yr fix: Close Brothers 4.58% (min £10k). 3yr fix: Cynergy Bank 4.55% (min £1k). All the accounts above allow you to transfer existing cash ISAs in (unless stated). Check the rate of your existing cash ISAs - if they're worse, ditch & transfer. You do this by filling in the transfer section on a new ISA application, then it moves the money for you. This doesn't affect your annual ISA allowance, it's only saving new money in an ISA that does that (and you can transfer without adding new money if you choose). However interest is paid, it's usually calculated DAILY. You earn interest for each day you have money in the account, regardless of when the interest is paid out. So if you had an annual interest account and closed it halfway through the year, you'd still get the interest up to that point. Monthly interest rates may look lower, but you still get paid the same. Savings providers show two rates: a) the annual equivalent rate (AER), which we use as it allows easy comparison, and b) the gross rate, which is the flat rate of interest that's actually paid. With monthly interest, the gross rate is usually listed as less, eg, a 5% AER account has 4.89% gross monthly interest. This is only a technical difference. It's because the annual rate includes compound interest (interest on the interest), but the monthly rate has to assume you withdraw the interest each month, so you don't get that, yet if you don't withdraw it, it would compound and you'd have the same amount.   A taxing issue: how you choose to take fixed savings' interest (not cash ISAs' interest) can impact tax. Savings interest is paid gross (ie, without tax deducted) because most people get a personal savings allowance (PSA), which means a basic 20% rate taxpayer can earn £1,000 interest a year without paying tax on it, while a higher 40% rate taxpayer can earn £500 interest a year. Of course, interest from a cash ISA is never taxable and doesn't count for this. If you earn interest above your PSA in normal savings, so pay tax on it, it's worth understanding that it is not when it's credited to your account that triggers the tax, it's the point you can ACCESS it (not when you do, when you can). Some fixed savings don't allow you to access the money until the fix ends, meaning you may have three years' interest all in one go, which could mean paying more tax. So monthly interest, even if not accessed, may benefit you. It's worth being aware of. Read fixes: a taxing question for full help.

 

Aged 20 to 25? FREE £100 four-year railcard (trick) via Santander... Santander is giving any UK resident who'll be aged min 20 & max 25 on 30 June a free four-year 16 to 25 Railcard (as long as it hasn't given you one before) worth £100. Martin's Santander railcard trick video explains it, but in brief, you need to a) save a min £50 and keep it there till at least 30 June and b) set up its online or mobile banking by the end of May. To just play it for the railcard: Put £50 in its simple 1.2% easy-access saver and then close it when the railcard arrives - the poor interest is easily outweighed by the railcard. To actually save: Its 4.25% 1yr fixed cash ISA is decent interest, but needs a min £500 to open. Or its Edge Saver pays 6% on up to £4,000, but for that you must first open its top-rated for bills Edge cashback current account* (which also gives a £30 Amazon voucher). Student? The Santander Edge student* bank account also offers a free four-year railcard. London (& Manchester) Marathon runners FREEBIES... pizza, burger, bath bomb etc. They're this Sun and people are coming from across the country raising a fortune for charity, so we thought we'd let you know what freebies are available. Marathon freebies Ending? Biggest free cash bank switch bonus, £175, for top service account. First Direct newbies switching to its top service (92% 'great') 1st current account* get a free £175 bonus, but we're not sure for how much longer (nowt firm, this is a hurry, just in case). The account has a linked 7% saver you can put £300/mth in. Many get a £250 0% overdraft, and its debit card gives perfect exchange rates abroad. To qualify for the free cash: You need to switch over 2+ Direct Debits or standing orders, and within 45 days, you need to have a total of £1,000 going in and make 5+ debit card payments. Full info and more options in Best bank accounts. Must-listen pod for savers. Is the £20k cash ISA going to be killed? What you should be doing now. Everything you've ever wanted to know about ISAs but were afraid to ask! All in the new The Martin Lewis Podcast. Listen via BBC Sounds | Apple | Spotify or wherever you get your Martin fix. Coupons: Free £2 Activia yogurt, £2 off ice cream, 50p off Monster energy drinks. 50+ April coupons New. Top all-rounder credit card: up to 2 YEARS' 0% spending and 21mths' 0% balance transfer. The new Barclaycard up to 24mth 0% spending card is the joint longest, letting most accepted borrow without it costing a penny till April 2027 - plus it also lets you shift existing card debt to it for 21mths 0% (for a one-off 2.95% fee). Go via our eligibility calc (link takes you there) and if you're shown as 'pre-approved' you'll get the full 24mths - subject to ID checks. The other joint longest spending card is M&S 24mth 0%. How to use 0% spending cards: They're best if you NEED to borrow for a planned, one-off, budgeted-for purpose, but never use as a willy-nilly way to supplement your income. Golden rules: 1) Always pay at least the monthly minimum and don't bust the credit limit or you can lose the 0%. 2) Clear the debt before the 0% ends or it's 24.9% rep APR. Full info & best buys in 0% spending cards.  Went to an employment tribunal between 2013 and 2017? Can you reclaim £100s? 10,000s who overpaid tribunal fees are now due a share of £13m. See reclaim tribunal fees. Get £50 cashback for investing £100+. 1,500 more available. It was so popular last week, it's added more. Newbies to InvestEngine's fund platform who open its stocks & shares ISA* and add £100+ to their account (there are 800 funds from a range of providers to choose from, you can leave it in its cash holding account while you decide) will get £50 cashback paid into their account within a week. To keep the cashback, you need to keep your money invested for a year. Full info & options in our Stocks & shares ISAs guide.

 

 

BLAGGED FOR MSE - £39 Grüum body, face & hair bundle for £5 20,000 available	DID YOU MISS? - New(ish): Top 32mth 0% debt shift with lower fee - A YEAR'S 2for1 at 380+ gardens in £10 mag - 200+ FREE museums & galleries - Martin: 'Will the Trump effect mean lower energy bills?'

 

 

'Ta. Your new Compare+ Home Insurance tool cut our cost by over 50%' Home insurance prices are starting to drop. Don't simply accept their renewal price, aim for cheaper Our Compare+ tool & its unique Price Impact Indicator finds your cheapest insurers, then shows how to cut the cost even more Since we launched our new Compare+ Home Insurance tool earlier this year, dominantly positive feedback and success stories have flooded in. So we wanted to breathe a sigh of relief celebrate. It's especially pertinent, as while the Association of British Insurers (ABI) said home insurance prices rose 16% in 2024, research firm Pearson Ham's more recent analysis says prices have dropped month-on-month this year. That's good news, but it does risk people being complacent at renewal, as if the quote's only a little more than last year, you may settle for it, whereas in fact far cheaper may be available (similar is true with car insurance - you can use Compare+ Car Insurance for that). So here are three quick need-to-knows... 1. Compare+ Home Insurance, as the name suggests, does far more than just compare... Before we get to it, to spur you on, Chris emailed us last week: "We've just renewed our home & contents insurance, reducing it from £579 to £289 using your online tool, saving a whopping £290!! Thank you!!" So what does the tool do? You speedily fill in a questionnaire. Answer our Compare+ Home Insurance question set (we borrow MoneySupermarket's - we're part of the same group. If you've used that before, your answers are auto-filled). As you go through the questions, you get the unique... PRICE IMPACT INDICATOR. Eg, during the questionnaire, when asked what locks you have, you'd probably assume better locks cut the cost of cover. Yet the data surprisingly shows it has an almost negligible impact on price. Which is why every question in the tool has a 'low', 'mid' or 'high' label, telling you whether - and by how much - the answer impacts the price of your cover. You can click each label to read the full info. You then get your benchmark quote to start the saving. This is your cheapest quote from the MoneySupermarket comparison, so you can see a price straightaway, but let's try to beat it... Compare+ shows which other comparisons to add in, and in what order. We've always told you to use as many comparisons as you've time for, and the new tool doesn't change that. Different comparison sites include different insurers, and even where the same firms are listed, they can have different prices for them. And comparing has an impact, as Stephanie emailed: "Thanks for your guidance on home insurance. We've seen escalating premiums with Saga every year. Changing provider always seemed just too time-consuming and complicated. This year's renewal was the last straw. Last year's quote was £470, the new quote was £898, a 91% increase! I used your guidance and was amazed how easy it was. Some of the cheapest quotes came out at around a quarter of Saga's figure. We settled on a policy with excellent reviews, but still came out at less than last year - a saving of £400+/yr." We'll tell you if you're too early, too late, or pure Goldilocks. While it sounds crackers, how early before renewal you get a policy can have an up to 25% impact on what you're charged (we get this info from analysing up to 650,000 quotes). So the tool will tell you when to come back if you're too early (don't worry, you can save info so you needn't re-enter it), and if you're too late, we've calendar reminders so you time it right next year. Personalised tips on how YOU can cut costs. After analysing your data, we'll show you other ways to try to cut your costs further (all are trial and error though), such as... - Will upping the voluntary excess (the amount you pay towards a claim) save you money? - Can you pay annually rather than monthly? - Can you save by combining your home and car insurance? - If you want to stick with your existing insurer... benchmark the cheapest and haggle. - Can you get cashback on the policy to lower the cost? 2. Are you sure you're covering the right thing? Everyone, including renters, should consider contents insurance, but buildings insurance is usually only for freehold homeowners (otherwise it's generally the management company or landlord's responsibility - check your lease if you're not sure). This is how to think about it... - Contents insurance: Beware UNDERinsuring. Many underinsure, thinking: "I'd never claim for everything"... but insure only half your contents' value, then claim for, say, a TV, and you may only get half the TV's value once they assess whether the cover was accurate. Use a contents calculator. - Buildings insurance: Beware OVERinsuring. Many wrongly insure for their home's market value, but what counts is how much it'd cost to rebuild if it was knocked down. Use a rebuild cost calculator to find out. 3. Make sure the policy's right for you, and complain if you're unfairly treated. As with any insurance, check the policy details to ensure it's the cover you want, and that the insurer's regulated by the Financial Conduct Authority before you buy (all on Compare+ are). If a claim's unfairly rejected, you've a right to take 'em to the free Financial Ombudsman.

 

Sat only. FREE £5 Auntie Anne's pretzel. At 31 locations, but only 100 per store, so go early. Free pretzel Grüum face, body & hair bundle £5 delivered (normally £39). MSE Blagged. Just pay for postage. Includes four bars: shampoo, conditioner, facewash and body butter. 20,000 available. Grüum 'We got £1,040 in compensation for an old flight delay using your template.' Our success of the week comes from Helen, who said: "We flew from Manchester to Phuket via Dubai with Emirates last Jan. The plane was late leaving due to technical issues. Although we arrived in Dubai less than three hours late, we missed our connecting flight and arrived into Phuket 16 hours late. We used the template in your Flight delay compensation guide to claim directly with Emirates. Six weeks later, £1,040 arrived in our bank account. Thank you MSE for making the process so easy." If we've helped you save (on this, or owt else), please send us your successes. Get freebies & vouchers for recycling, eg, free £10 Lush face mask, £5 off at M&S, £5 Boots Advantage points. Today (Tue) is Earth Day, so a reminder that 10+ high-street stores offer rewards for recycling. Can you bag £30 theatre tix for MJ The Musical, Starlight Express, Titanique etc? Want to see these & other recent Olivier Award winners? If you're ready to pounce at the right moment, you can get great seats on the cheap with TodayTix's 'rush' tickets. Related: See £4 'secret' West End tickets.

 

 

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

 

 

AT A GLANCE BEST BUYS 0% balance transfers Longest 0%: Tesco (check eligibility) 32mths 0%, 3.19% fee, 24.9% rep APR interest No-fee 0%: Barclaycard (check eligibility) up to 14mths 0%, 24.9% rep APR interest Best bank accounts Ending? Free £175 + TOP service: First Direct 1st Account Free £150 + £36/yr cashback: NatWest Reward Broadband top picks Fast fibre (100Mb+): Virgin '£20.80/mth' Superfast fibre (500Mb+): Sky '£27/mth' On Universal Credit or similar? Check all discounted social tariffs Cheap insurance Car: Use our Compare+ Car Insurance tool Home: Try our new Compare+ Home Insurance tool Cheap loans £5,000 to £7,499: People's Choice (check eligibility), 7% rep APR interest (6.5% rep APR interest on £7,000 to £7,499) £7,500 to £25,000: People's Choice (check eligibility), 5.8% rep APR interest Top savings accounts Top easy-access cash ISA: Trading 212 5.07%, min £1 Top easy-access savings: Atom Bank 4.75%, no min Top one-year fix: Cynergy 4.65%, min £1,000 Top energy deals Use our whole-of-market Cheap Energy Club Cheap Sims Up to 3GB data: Lebara, '£2.57/mth' for 3GB 4GB to 9GB data: Lebara, '£2.63/mth' for 5GB 10GB to 30GB data: Lebara, '£2.70/mth' for 10GB 31GB+ data: iD Mobile, '£3.84/mth' for 50GB

 

MONEY MORAL DILEMMA Should I have to pay full cost for a break with friends when I can only stay for half of it? Six friends and I have hired a barge for a seven-day Easter break for many years, with the cost divided equally between us. Last year, I could only stay for three nights of the trip, so I suggested that I should pay a bit less. My friends disagreed, deciding that - as it was my decision to leave early - I'd have to pay my full share. I couldn't stay any longer than three nights this year, so I didn't join the trip as I object to paying the full cost. Am I right in thinking I shouldn't have to? Enter the Money Moral Maze: Should I have to pay the full cost for a break when I can only stay for half of it? | Suggest a Money Moral Dilemma (MMD) | View past MMDs

 

 

MSE TEAM BLOG - MSE Forum highlights: Canadian holidays, cheaper trains & chicken soup - How buying Tesco Free From products this week boosts donations to an allergy research charity

 

 

MARTIN'S APPEARANCES (TUE 22 APR ONWARDS) Thu 24 Apr - Ask Martin Lewis, BBC Radio 5 Live, noon (listen to previous podcasts) Tue 29 Apr - This Morning, phone-in, ITV1, 10.20am

 

 

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 trading212.com, marcus.co.uk, postoffice.co.uk, firstdirect.com, santander.co.uk Financial Conduct Authority (FCA) Note MONY Group Financial Limited is authorised and regulated by the Financial Conduct Authority (FCA FRN: 303190). MoneySavingExpert.com Ltd is a company registered in England and Wales. Company Registration Number: 8021764. Registered office: One Dean Street, London, W1D 3RB. MoneySavingExpert.com Limited is an appointed representative of MONY Group Financial Limited. To change your email or stop receiving the weekly tips (unsubscribe): Go to: www.moneysavingexpert.com/tips.