13mths' FREE travel + mobile + breakdown cover, free Lidl doughnut, £240k marriage saving, cheap drugs, 10% off Morrisons shop for NHS, £120 window vac for £55
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| DON'T believe the fake 'Martin Lewis' or 'MSE' ads |
| Revealed: The tricks medicine firms use to make you pay more for EXACTLY the same thing No one wants to take a chance with their health, and the big pharmaceutical firms know this. So they use powerful branding techniques to make us think they're offering something special or specific for colds, flus, allergies, pain and more - and then bump up the prices to pay for it. There's lots more in Cheap & free prescriptions, but here's a quick check-up on how to keep medicine & prescription costs down...
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| Martin: 'How Inheritance Tax REALLY works (& how marriage can save you £240,000).' Watch Martin's quick Inheritance Tax briefing via his YouTube channel (do subscribe). Or better, watch his latest full 'Benefits of marriage and how to max them' show on ITVX. PS from Martin: "There's no show this week, as I'm on half-term break (from there, and MSE too), so this week's email is in the overly capable hands of the MSE team." It's back: 'Free' bakery items via Lidl Plus app. Excludes Northern Ireland. Lidl New. Shift debt to 35mths 0% with a low 2.5% fee. A 0% balance transfer is when you get a new card to pay off existing credit card debt (usually for a one-off fee), then you repay the new card at 0% interest for a set period, helping you to clear the actual debt, not just pay interest. The Lloyds 'up to' 35mth 0% card charges a 2.49% fee, around £10 per £1,000 transferred less than the top 36mth cards which have c. 3.5% fees. Some accepted will get less than 35mths at 0%, but our eligibility checker tells you if you'll get the headline rate before you apply. Golden rules: Repay at least the monthly minimum & clear the card before the 0% ends, or it jumps to 24.9% rep APR interest. Full info & more options in Top balance transfers. £120 Kärcher window vac £55 with code. MSE Blagged. It's the WV 6 Plus N model. 3,000 available. Kärcher Martin: 'The simple broadband & mobile solution would be to just BAN above inflation mid-contract price hikes'. Last week, the Government signed a Telecoms Charter with major mobile & broadband firms to stop the price-hikes on price-hikes (such as we saw from O2 last year). Martin gave it a cautious welcome, but it still leaves two glaring consumer protection holes - one general, one about Sky. Cinema deals: 2 FREE Vue tickets for Sky Cinema subscribers, plus 30 more tips. See all cinema deals. New. 152Mb TalkTalk broadband '£18.59/mth' with NO price hikes. This 152Mb TalkTalk broadband only deal is available to 70% of homes. You pay £24/mth, which is fixed for the whole 2yr contract. Plus, you'll be emailed a £130 prepaid Mastercard or shopping voucher within 4mths of signing up (do check your junk folder). Factor all that in and it's equivalent to £18.59/mth. Want other options? Use our full broadband comparison.
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| Fur-get sky high vet bills... insure your pet for less Unlike for us humans, there's no NHS for pets, so without cover a trip to the vet can leave you footing a huge bill. Treatment prices have soared in recent years and, as a result of a recent Competition and Markets Authority investigation, the Government is implementing major reforms to the vet industry that should (among other measures) improve price transparency. In the meantime, our Cheap pet insurance guide has full info on how to cut the cost of insurance. In brief...
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| Martin: 'How married couples can pay less tax on savings & investments'. Watch Martin's quick savings & investment tax boost for married couples and those in civil partnerships via his YouTube channel (do subscribe). Or better, watch his latest full 'Benefits of marriage and how to max them' show on ITVX. NHS, care or emergency worker? Get 35% off Ocado and 10% off Morrisons. Plus all the usual discounts - see our updated 40+ NHS deals. Related: Teacher discounts. 'I saved £400/yr with a water social tariff.' Success of the Week. Jennifer emailed: "I was appalled to discover that my water bill was going to be over £800 a year for a single person in a three-bed house. I'd never heard of a social tariff [for those on low incomes] but, having read about it on MSE, I applied and got a 50% reduction. Very many thanks." If we've helped you save (on this or anything else), please tell us about it. Three months' free Apple Music for newbies. Normally £33 to £51. Apple Music Grind coffee 30% off code. MSE Blagged. Valid on ground coffee, beans, pods & more. Grind Had a Warm Home Discount letter? Check NOW if you need to act. Most eligible for the WHD won't need to do anything more to get the £150 discount. But some letters ask you to contact the WHD helpline to confirm details. If that's you, do it before 28 Feb or you'll miss out. Warm Home Discount help PS Got questions for the boss of Ofgem about energy bills? Martin will be interviewing him on The Martin Lewis Money Show Live next week. To suggest questions, email the team at martinlewis@itv.com |
| AT A GLANCE BEST BUYS
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| MONEY MORAL DILEMMA Should my employer adjust its rewards scheme so those repaying student loans don't lose out? My employer has a recognition scheme for colleagues who go above and beyond, with prizes paid in vouchers that are processed through payroll for tax purposes. However, anyone repaying a student loan can actually lose money by winning because the prize can push their income over repayment threshold. That's going to happen to me next month, so I'll end up taking home less and effectively pay to receive a 'reward'. Higher-rate taxpayers get adjusted payroll so they don't lose out, so should the company make changes so no one is penalised for being recognised? Or should we just be grateful it offers such a scheme in the first place? Enter the Money Moral Maze: Should my employer change its rewards scheme so I don't lose out? | Suggest a Money Moral Dilemma (MMD) | View past MMDs |
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| MARTIN'S APPEARANCES (WED 18 FEB ONWARDS) Mon 23 Feb - Good Morning Britain, ITV1, Time TBC |
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