British Gas 15% cheaper FIX, free £100 Space X/Apple shares, 5.8% Lifetime ISA , Amazon Prime ‘Day’ deals, 1,000 free Nectar pts, new 3% rewards credit card

Plus... Does money make you happy?, top all-round 0% card, £179 No7 beauty £40, 175 anemone bulbs £12

                                                           

23 June 2026 | View in browser

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THE TOP TIPS IN THIS EMAIL → Beat next week's 13% Energy Price Cap rise with new cheapest fix: - Ends Fri. Save 15% with British Gas - Should I fix now if I'm already fixed? - Price Cap predicted to stay high → New. Top 5.8% Lifetime ISA → New. Top all-round 0% card → Amazon Prime 'Day' deals → FREE £100 eg, SpaceX/Apple shares → Easy 1,000 free Nectar points → 'My daughter got £10k back from lost bank account - thanks' → Video. 'Does money make you happy?' → New. 3% cashback on fuel & more → £45 anemone bulb bundle £12 → Boosted. Easy £25 + 5% savings → Go quick. £179 Boots No7 beauty £40 → 'Are you a failure if you don't own home in your 40s?' → Top 10 firms to haggle with → NS&I boosts fixed savings, eg, 1yr 4.69% → FREE Lego mini World Cup trophy → Watch: Martin vs Minister on bailiffs → £5 full school uniform sets → Beware a SCAM MSE lookalike website → Boost to Energy Ombudsman powers → This week's best buys: Free £220 bank switch, £19/mth broadband & more → Money Moral Dilemma: Is it ok to spend my daughter's money on her son?

Warning. The Energy Price Cap rises 13% next week! Ends Friday. Exclusive energy FIX  Cheapest British Gas fix since Mid-East conflict started. On your firm's standard tariff? Lock in for 1yr+ at 15% less than the new 1 July rates Already a BG customer? You can get it too - even if you're already on one of its fixes An intro from Martin... Cutting to the chase, if you're on your firm's standard variable (ie, Price-Capped) tariff, get off it before it jumps 13% in a week's time. Our British Gas Exclusive Fix is currently the market's cheapest, letting you lock in a rate for 14mths - for less than the current rate, never mind the rate once it increases. The bigger picture is that while the Middle East conflict is potentially moving towards its end - for most people's energy bills, it hasn't hit yet. For those on standard tariffs (ie, you haven't switched, or your special deal/fix ended and you did nowt), your rate is almost certainly set by Ofgem's Price Cap. And that Price Cap is slow to rise and slow to fall. Each Cap period lasts three months. The one starting 1 July is set based on wholesale energy costs in the mid-Feb to mid-May 'assessment period'. The conflict started in March, so it's the first to include those big price spikes, which is why it'll jump 13%.  Yet even if the conflict fully ended today, as we're already well into the assessment period for October's Cap, those high rates are somewhat bedded in. So that's still likely to be higher than today's April Cap rates (see Price Cap predictions). Conversely, the rate you can fix at moves quickly, reflecting current not past wholesale costs. So today's cheapest fix lets you lock in a rate at less than the current Cap, far less than the July Cap, and very likely less than the Cap starting in October for the rest of the year. So, if you want peace of mind, that is the risk-averse option.  If you're already on a fix, the decision is far more nuanced - see I'm fixed is it worth re-fixing now. So, let me and the team talk you through the details below... 1. New. Cheapest fix and it's from a big name. A fixed tariff is where you lock in a rate for a set time (you still pay more if you use more, though), giving you the peace of mind of price certainty - and currently instant savings too. Often you say to us you don't want to fix unless it's a name you know, so we've sorted this... Ends 5pm Fri or when 10,000 switches are gone Exclusive British Gas 14mth fix Average 4% less than current Cap, 15% under July Cap Our new British Gas Fixed Exclusive Aug27 v4 tariff locks in the rates you pay until Aug 2027. At the time of writing (2pm Tue), when you include the MSE £20 dual fuel cashback, it is the market's joint-cheapest fix (as things can change rapidly, the link goes via our comparison, so you can see any new deals) - and far cheaper than any other big names. In fact, it's 9% cheaper (equiv £150 on typical use) than the cheapest fix on British Gas' own site.  Average Standing Charge and Unit Rate compared Yet they do vary by region - your exact rates are in the comparison Electricity Gas Price Cap Now Daily Charge: 57.21p Unit Rate: 24.67p/kWh Daily Charge: 29.09p Unit Rate: 5.74p/kWh Price Cap July Daily Charge: 57.19p Unit Rate: 26.11p/kWh Daily Charge: 29.04p/day Unit Rate: 7.33p/kWh BG Fixed Exclusive Aug27 v4 Daily Charge: 54.15p/day Unit Rate: 22.15p/kWh Daily Charge: 22.25p/day Unit Rate: 6.18p/kWh - It's monthly Direct Debit, or quarterly cash or cheque. For other payment methods, do a comparison to find the cheapest. - It's dual or single fuel. It can be for gas-only, electricity-only, or dual-fuel (ie, have both). - No Smart Meter needed. Though it's fine if you have one.  - It has agreed to MSE enhanced service. If there's an issue, always communicate with British Gas first, but if it doesn't sort it, contact our Energy Club help and we have the ability to try and escalate it. - Early-exit penalties: £50/fuel, unless you refix with BG (a key boon). As with most fixes, early exit penalties are payable if you leave 49+ days before the fix ends. Yet here, you can re-fix mid-term with another BG fix (not variable) without penalty. A useful get-out-of-jail-free card in this time of huge UK and global uncertainty. It means, if world energy prices plummet, you at least should have an option to refix again at a lower price. Always do a full comparison. MSE Cheap Energy Club is whole-of-market by default, so we don't hide tariffs. 2. Should I fix now if I'm already on a fix? Many think the Price Cap rising in July has an impact on fix prices too. It doesn't. The only thing it impacts for fixers is the rate you'd move to once your fix ends if you did nothing. The Price Cap is based on a time lag; the rates on new fixes are based far more on today's wholesale rate and move much more quickly... On a British Gas fix? Do a comparison - as if our British Gas fix is cheaper than your current one, you can move to it with no early-exit penalties (and get MSE cashback). If it's more expensive, then follow the logic below. Fix ending soon? If you're in the last 49 days, the rules state you are free to switch without early-exit penalties. So do a comparison and see what's available. You'll probably pay a higher rate fixing now than you had, but if you value a 'bird in the hand', then fixes now are far cheaper than the Price Cap rate your tariff will jump to when your fix ends if you do nothing.  Do be aware though, that if lasting peace is agreed, you may've locked in at a higher price than you could've got by waiting. If you are happy to ride it out and think things will be over soon, you could hold on until the last minute and see what deals there are then. Decent amount of time left on your fix? Without a crystal ball, there's no right answer. If you're on a cheap fix, you are sitting pretty for now, and most would need to pay an early-exit penalty to leave, which adds to the cost (though the bigger your usage, the smaller that is proportionately). So, let's play out the two key scenarios...  - The conflict fully ends soon: By waiting it out, you'll likely be able to get a much cheaper fix when your fix ends than you can now. - The conflict reignites and drags on for many months and prices stay high: Your fix will end, and there is a chance there will be no fixes at today's rates (though it may only be a percent or two higher). So, especially if you've a long time to go, the saving you made in the meantime by being on your fix could outweigh a slight increase in fix prices later. Listen to Martin's full 'should I fix again?' analysis in his podcast (titled about haggling) from last week. On balance, if you're on a cheap fix, Martin says: "I'd personally (I've no crystal ball though) stick where I am unless you're very worried about the affordability of potentially higher future prices." 3. The Price Cap is predicted to stay high for the rest of the year. The October Price Cap is based on wholesale rates from mid-May to mid-Aug, so we're not far from half way through. The best way to look at this is this graph of UK natural gas prices, which is the biggest factor in both gas and electricity prices.  As you'll see, they've been high all that period, so currently the prediction is a further 2% rise on top of the July rise. While that could change, it is now almost certain the October Cap will be higher than what we pay now. Further out is real crystal ball territory, but the analysts currently estimate little change for next January.  On that data, fixing at 15% below the July Price Cap rather than staying on a standard rate looks a smart move right now. It protects you against future rises and, even if prices shocked everyone and did drop, you could always switch again (there may be exit fees though). 4. If I wait, could it be cheaper to get a fix in a few weeks? Yes! It could be cheaper - or much more expensive. The rate you can fix at has dropped (last month you couldn't fix at less than the April Price Cap) and, if the negotiations in the Middle East lead to lasting peace, it's possible even cheaper fixes will be available. Lots of ifs and buts there, though.  That's why the real message is to focus on how risk-averse you are: the less you can afford big hikes, the risk averse option if you're on a standard tariff is to fix now and start saving sooner.  5. Variable tariffs come up cheapest in the comparison - are they worth it? Some suppliers offer cheap variable or tracker tariffs that you may see top of your results when you do a comparison - while these tariffs look cheap right now, all will likely increase in price from 1 July once the new Price Cap hits.  The possible exception is the Home Energy Fair Variable tariff, which is currently the cheapest tariff overall, at 10.1% below the current Cap. In fact, technically it is a Price-Capped tariff, as it is its standard variable deal - it just chooses not to price at the Cap. Yet, as it is variable, Home Energy is allowed to increase the price at any time (up to the Cap limit) - though it has no exit fees, so if it did you could leave at any time. If that works for you, it can be a decent option.  6. Specialist tariffs worth considering for some... A few of these are tough to display via the traditional comparison site model (we're trying to work through how to do it in the future, as this becomes more common). For low users, there are trackers that discount the Standing Charge. The main one here is EDF's tracker. It's essentially a Price-Capped tariff, but with £50/yr lower Standing Charges. It's good, but ONLY for very low users (eg, under roughly £80/mth use). There are also trackers that discount Price Cap unit rates - but with the Price Cap rising, you're likely better just fixing instead right now. Got an EV? Consider a dedicated tariff. There are special electric vehicle (EV) tariffs. These are fixes that give cheaper rates for charging your car. Solar panel tariffs. If you have solar panels, there are times you want to link these to your energy bills. See our switch solar panels tariffs guide for more. Rapid change, time-of-use tariffs. For sophisticated users, especially those with batteries, Octopus has two of these tariffs: Agile (electricity price changes every half-hour) and its dual-fuel or single-fuel Tracker tariff (price changes every day).  7. Can you cut bills by cutting your use? Obviously, cutting usage cuts bills, so we've some detailed guides that can help: 70+ ways to save energy includes a mix of hardcore savings and some thrifty crowd-sourced tips. From cutting your boiler flowrate to tactical curtains and more. Energy mythbusting covers less clear-cut issues, including the thorny question of 'better to keep the heating on low all day or just when needed?' 8. What to do if you're struggling to pay? It's always worth talking to your energy firm. Be polite and straight with it, and make sure you explain if you're vulnerable and ask to be put on the 'Priority Services Register'. There can be hardship & debt grants from energy suppliers. For far more guidance, see our full What to do if you're struggling to pay energy bills guide. -------------------- PS: What is 'MSE cashback'? Some providers pay energy comparison sites to facilitate the switch (you still get the same price as going direct). Unlike other sites, we don't default to hiding tariffs that don't pay. Instead, we show them all, but when we get paid to switch you, we give you a chunk of this money as cashback. So those that pay us are relatively cheaper for you, and it's likely more people switch to them. Win-win.

 

 

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.

 

 

 

Aged 18 to 39 and never owned a home? Lifetime ISAs give a 25% BOOST to first-time buyers' savings, a max £1,000 free each year. Now, a rate war means there's 5.8% interest too! Already got a cash LISA? You can transfer it to get this rate as well Lifetime ISAs (LISAs) are a tax-free form of saving and the best savings vehicle for most first-time buyers of the right age, as the state can add £1,000s to your deposit. Though Martin raises his big but below that everyone needs to understand ('thankfully, I don't raise my big butt' - ML). On top of the 25% boost, LISAs pay interest, and that's why we're doing this now, as there's a rate war on. At the start of the month, the top cash LISA rate was 4.35%, now with 10+ rate rises since, it's 5.8%, smashing other savings. Before we start the LISA need-knows, a success to show how well it can work. Jordan emailed this great one a while back: "Hi there, love the newsletter (and ML Podcast). Another Lifetime ISA success for you - I saved for 7 years and my partner 6, so we got £13,000 towards our deposit from the Government. With interest, that got us to a 20% deposit on a £330k property. Thanks." Five LISA need-to-knows. LISAs are tax-free savings or investment accounts openable from age 18 until the day before your 40th birthday. While usable for retirement money, their main appeal is for first-time buyers. Full help in our LISAs guide, but in brief... i) You get a 25% bonus on everything you put in, up to £4,000 per tax year, till you're aged 50. So, if you save £1,000, you'll have £1,250. Or save the max £4,000 a year, you'll have £5,000. See LISA bonus details. ii) You can use it on your first residential home (costing up to £450,000). Those who have never owned/part-owned a home anywhere worldwide can use it to buy a property, as long as you're getting a mortgage (you can't use a LISA with a cash purchase), and as long as the LISA's been open at least a year. iii) Warning. If you're not buying a qualifying home and withdraw before age 60, there's an effective 6.25% penalty. So, you'd get back less than you put in. See how LISA penalties work (and think carefully whether you'll definitely get a qualifying home). iv) A couple buying together can have one each. It's an individual product, so a first-time buyer can still use it even if they're buying jointly with a non-first-time buyer. Equally, if both are first-time buyers, you can use one LISA each. Yet the property limit is still £450,000, even if two of you buy together (ie, it doesn't become £900,000). v) Already got a Help to Buy ISA? These were LISAs' forerunners, many still have them, though you can't open new ones. You can have both, but can't get the first-timer's bonus on both, so see Help to Buy ISAs vs LISAs for which is best for your savings. Most non-homeowners aged 18+ should put £1 in a LISA now (if you haven't got one). As LISAs must be open a year before you can use the bonus to buy a home, even if that seems aeons away, you may as well put £1 in one now, as that starts the clock ticking. Then, as long as it's more than a year later, if suddenly you are in the position to buy a home, you can simply put real money in (up to £4,000 for that year) and use the bonus almost straightaway later. (If you don't buy, withdraw the £1 and suck up the 6p loss.) New. LISA best buys - earn up to 5.8%. You can choose a tax-free savings cash LISA that earns a set amount of interest, or a shares LISA for hopefully longer-term, higher investment growth. As saving for homebuying is usually shorter term, you probably want to stick with the less risky top cash LISAs (for retirement savings, shares LISAs likely win - but do see our is a LISA right for retirement savings first). Two firms, Moneybox and Plum, have been battling it out to be best buy, but rates are changing so quickly, rather than putting it here, jump to our Top cash LISA rates, where we are updating it regularly. Both let you open with just £1. Already got a cash LISA at a lower rate? Both these providers let you transfer LISAs in from elsewhere. To do that, just open them, and fill in the 'transfer request' part of the application form. Martin's two LISA problems 'The £450,000 threshold is frozen! And there's talk of replacing LISAs.' LISAs are a winner for many, yet some, especially in south-east England, need to think carefully before putting real money in one (the £1 is fine). That's because house prices have risen substantially in the past few years, but the £450,000 property limit has been frozen since the LISA's 2017 launch. And if you buy a property over that and use your LISA cash, it counts as a withdrawal, so you have to pay the effective 6.25% fine. Worth a listen: In my Question Time podcast this week, I was asked... (starts at 35min 26s)  "I've £40,000 in a LISA, but I'd lose £10,000 to buy the house I need as it's over £450,000. What do I do?" I've campaigned for years for an increase to the property threshold. Plus, more importantly, to scrap the effective fine for first-time buyers purchasing more expensive properties - meaning while they wouldn't get the 25% boost, they'd at least get back the money they put in, plus interest. Those who are priced out still did what they were supposed to, ie, used a LISA for first-time buyer savings, so why FINE them to get their own cash out when they do that? So far, though, I'm afraid I've failed. Last Dec, I raised this again with the Chancellor as she was talking about launching a new first‑time buyer product to replace the LISA. She told me this would be looked at. Yet the new product consultation was due earlier this year - and so far it's been deathly silence, likely a result of the flux and uncertainty in government. So, who knows what's happening? STOP PRESS! Govt just launched consultation on the replacement to LISAs. By pure coincidence, I was genuinely surprised (as you can tell from what I wrote above) that just as we were about to send this email, these proposals popped into my inbox. The key for LISA holders is that your LISA will continue as is, even if and when its replacement starts - probably next year. The new First-Time Buyer ISA is, as the name implies, only for first-time buyers. There's a lot we don't know - for what we do, see my speedily written 10 point summary. I'll be analysing more and doing my podcast on it later this week. For now, LISAs are still the key product. So, while you need to be wary if you think there's a chance you might want to use it to buy a property worth £450,000+, if you're looking to buy a property costing significantly less in the near future, LISAs still look a winner.

 

Ends Fri. Amazon Prime 'Day'... we sort the deals from the duds, eg, £25 Blink camera (RRP £70), £80 AirPods 4 (RRP £119). Plus there's an extra 15% off Amazon Resale. See our full Prime 'Day' analysis. FREE £100 in shares, eg, SpaceX or Apple, if you put £200+ in an investment account. This was huge last week, so a reminder... new eToro* customers who join via this link and deposit £200+ in its investment account (not ISA) for 90 days, get £100 of free shares almost straight away.  Which shares? Choose from SpaceX, Apple, Nvidia & more, or a fund tracking the US S&P 500. You must hold them for 90 days (so the value may rise or fall) then keep 'em or sell 'em. Single shares are risky, but hey, these are free.  What can you invest in? For your £200+, eToro has a big choice of funds to spread risk, so if you're planning to start investing (see Martin's Investing for beginners), the free shares are a great boost. Be careful not to be drawn into things you don't understand though, eToro is quite 'gamified'. In fact, you needn't actually invest the £200 - you could leave it in the cash account and withdraw after the 90 days if you prefer.  When will it end? We don't know, but it's been huge, so it could end any time. Full eToro £100 shares for £200 help. Easy 1,000 free Nectar points. If you've already got (or get) a free Nectar account, get £5 in Nectar points. 'My daughter got £10,000 back from a lost account thanks to your tips.' Success of the week. On the back of Martin's call to action to reclaim the £75bn in lost pensions, bank accounts, savings, investments and Child Trust Funds last week, Tricia emailed: "My daughter tried to find her account with a big high-street bank but they said it didn't exist. She'd lost it as she had lived in the USA for over 10 years. I wrote to their head office and still no information. Then I saw your tips. She got her money back so quickly - £10,000 that she'd saved before she left the UK. So easy. Thank you Martin." If we've helped you save or reclaim (on anything), please tell us about it. Video. 'Sixth formers ask Martin... can money make you happy?' It was the first question asked at his recent National Money Assembly for Young Enterprise. Watch his answer and subscribe to his YouTube channel New. Big 3% cashback on petrol, diesel and eating out, plus no fees overseas with a new top reward card. The Santander Rewards credit card pays a 3% cashback for a year if you pay for petrol, diesel, train travel, EV charging (not at home), eating out and takeaways in the UK or abroad. It pays 0.25% on almost everything else. It also gives you near-perfect exchange rates abroad. It's a strong deal, especially for those who drive a lot. Yet only do it if you'll pay it off IN FULL every month or the 24.9% rep APR dwarfs the gain. See our full Santander Rewards review and how it compares in either Credit card rewards or Top overseas cards. £45 anemone bundle £12. MSE Blagged. Keep your friends close, and your anemones closer. Plant the 175 bulbs when they arrive and they should flower by Sept/Oct. 10,000 available. Thompson & Morgan Boosted. Easy 'FREE' £25 and 6mths 5% easy-access savings. Newbies opening the free current account at app-only bank Revolut* (no need to switch) via this link get £25 (was £20) cashback when spending £20 on the debit card in the first month - so you could do it just for that... but its linked saver is also at a top rate, 5% on up to £25,000. Yet that rate's only for 6mths, it'll drop after, so be ready to move your savings then. Full alternatives in Top savings. Go quick! £179 of No7 beauty for £40 via deal stack trick. Combine four different offers to get it - though they could be pulled at any time, so best to be speedy. Fill your Boots. Related: No7 Beauty Vault launches (next) Tue Are you a failure if you don't own a home in your 40s - is it too late? Is the Lifetime ISA still due to be replaced? Success: Reclaiming car finance for deceased relative. Sarah is in her late 40s, doesn't own a home, and worries its too late. In a fascinating listen in this week's Question Time, she asked Martin about home buying (at 12 mins in), before asking if she's a failure for not owning. It's really worth a little time to listen to that... and the whole pod: Martin's Question Time podcast. Listen via BBC Sounds | Apple | Spotify etc. How it pays to be nice! The top 10 firms to haggle with and their call centre secrets. When you're near contract renewal time, don't just accept the price. With broadband, mobile, breakdown, digital TV and more, haggling can net you £100s in savings. Listen to full, easy help in Martin's new Big Topics pod. Plus, will energy bills fall after the US-Iran ceasefire? Listen via BBC Sounds | Apple | Spotify etc.

 

 

BLAGGED FOR MSE - £45 Thompson & Morgan anemone bundle £12 10,000 available	DID YOU MISS? - HSBC paying an UNBEATEN free £220 cash to switch banks - Cinema deals: Two free Vue tix & more - Joybuy's 'Summer Black Friday' sale - see our analysis - Ikea 'up to 50% off' sale, eg, £230 wing chair now £130 - 45+ FREE festivals & carnivals, eg Leigh Folk, Eat:Festivals

 

 

New. Top all-rounder 0% credit card  Two years' interest-free new borrowing & balance transfers with ONE application, so less credit file impact Normally, we suggest you see a credit card as a bespoke tool for a specific job (eg, cashback, borrowing, spending abroad, etc). The issue is, if you need one for a few different things, it means more applications, which can make acceptance tougher as it has an impact on how lenders view you. That's the bonus of an all-rounder 0% card - if you've existing debt you want to cut the cost of, and need a borrowing facility too, you can do both in one.  Though it's worth noting, as the table below shows, while the top all-rounder cards almost match the top 0% cards for new borrowing, they aren't as strong for balance transfers. So, they're mainly best for those who need a new borrowing card, plus a bit of debt shifting. If you've a lot of card debt, you'll likely be better focusing on our New: Top 3YR debt shift note last week. Don't borrow unless you need to. Only borrow for an affordable, necessary one-off purchase (eg, replacing broken fridge) - never to plug gaps in your income, that's a slippery slope. If in doubt, don't! Avoid rejections using an eligibility checker. Our Eligibility Calc shows your odds of getting each card, so you can hone in and apply (via the calc) for the one likeliest to accept you, minimising applications on your credit file. Usually rejected when you apply? Our free MSE Credit Club can analyse your credit issues (easiest route is via the MSE App on Apple | Android). Top new customer 0% deals Links via Eligibility Calc to show if you'll be accepted Longest 0% ALL-ROUNDER deals: For both new borrowing and shifting existing debt to 0% New. Lloyds Spending: UP TO 25mths 0% | Balance Transfer: UP TO 23mths 0% (2.99% fee). 24.9% rep APR after. While an 'up to', via our Eligibility Calc you'll be told what 0% length you'll get - some get as little as 10mths 0%, but you'll see in advance, so it's easy to compare with others. Tesco Spending: DEFINITE 21mths 0% | Balance Transfer: DEFINITE 21mths 0% (2.95% fee). 24.9% rep APR after. Here all accepted get the full 21mths 0% length on both spending and balance transfers. So, if you've decent acceptance odds, you know exactly what you'll get, and can easily compare it to Lloyds. Top 0% BALANCE TRANSFER deals: Cut the cost of existing credit card debt Go for the lowest-fee card with a 0% long enough to clear your debt. Shorter 0% cards are cheaper. Unsure? Play safe & go long. Virgin Money DEFINITE 36mths 0% (3.1% fee). 24.9% rep APR after. All accepted get the full 36mths 0% length. HSBC (existing customers use this link) DEFINITE 36mths 0% (3.19% fee). 24.9% rep APR after. TSB (not available via MSE eligibility calc, so link goes direct) UP TO 38mths 0% (higher 3.49% fee). 24.9% rep APR after. Some accepted customers get 32 or 35mths 0%. Virgin Money (top definite NO FEE card, good if you can repay far quicker) DEFINITE 12mths 0% (NO FEE). 24.9% rep APR after. LONGEST 0% SPENDING deals: For new borrowing at 0% TSB (not available via MSE eligibility calc, so link goes direct) UP TO 26mths 0% spending. 24.9% rep APR after. Some accepted customers may get 22 or 19mths 0%, it also gives 'UP TO' 18mths balance transfers (3.49% fee) - again, though, some may get just 15 or 12mths. M&S DEFINITE 25mths 0% spending. 24.9% rep APR after. All accepted get the full 25mths 0% length, so if you've a decent chance of acceptance, you know exactly what you'll get. The golden rules...  i) Never miss the min monthly repayment, or you could lose the 0% deal and it'll cost far more. ii) Clear the card or balance-transfer again before the 0% ends, or the rate rockets to the higher APR. iii) Don't withdraw cash. It usually isn't at the cheap rate and withdrawals hit your ability to access credit. iv) Getting a balance transfer only card? Don't spend on it, it won't be cheap. v) Balance-transfer within 60 or 90 days to get the 0%. You can't usually shift debt from card in same banking group.

 

NS&I boosts all fixed savings, incl 1yr 4.69%. NS&I's fixed savings now let you lock money away at 4.69% for 1yr, 4.67% for 2yrs, 4.65% for 3yrs and 4.55% for 5yrs. That's around 0.2 or 0.3 percentage points below the best buys, but all your money in NS&I is safe as it's Govt-backed. Our NS&I boosts rates news compares it to the top buys. Or fix your savings WITH access: For a similar rate, Marcus' (part of Goldman Sachs) 1yr fix is 4.6%* and it's a rare savings fix as, if needed, you can access your money without notice by closing the account, though there is an up-to-90-day interest penalty - see Top savings fixes. The only other way to get a fixed rate with access is via fixed cash ISAs. FREE Lego mini World Cup trophy. It's coming home... but only if you get to The Entertainer early on Sat. Lego Watch: Martin challenges Cabinet Minister "If Govt wants bailiff regulation, why block it via the back door?" Bailiffs can take your stuff to pay debts. So why is there no proper, statutory regulation? Most of the 5m people they visit in Eng & Wales have mental health problems. The Govt consulted on regulating, saying it wanted to, but then went quiet. On Good Morning Britain Martin questioned Nick Thomas-Symonds on why they've turned down the chance to regulate baliffs? £5 full school uniform sets at Lidl & Aldi - starts Thursday. In store only. Usually sell out fast. £5 uniform Beware a SCAM MSE lookalike website. Criminals have misused Martin's name and image in online scams for over a decade (see him let loose on politicians about it). Now we've spotted a fake MSE News page for the first time. Scams The Energy Ombudsman may soon be able to fully enforce its decisions against energy firms. We've been pushing for this for a while, so are happy to see a likely boost to the Energy Ombudsman's powers.

 

 

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AT A GLANCE BEST BUYS 0% balance transfers New. Longest definite 0% with lowest fee: Virgin Money (check eligibility), 36mths 0%, 3.1% fee, 24.9% rep APR No-fee 0%: Barclaycard (check eligibility) up to 13mths 0%, 24.9% rep APR Best bank accounts New. Free £220: HSBC Free £200 + top service: First Direct Broadband top picks Fast fibre (100Mb+): Sky '£19.42/mth' Superfast fibre (500Mb+): Sky '£23.09/mth' On Universal Credit or similar? Check all discounted social tariffs Insurance Car: Use our Compare+ Car Insurance tool Home: Use our Compare+ Home Insurance tool New. Travel: Use our Compare+ Travel Insurance tool Cheap loans £5,000 to £7,499: M&S Bank (check eligibility), 6.9% rep APR £7,500 to £15,000: M&S Bank (check eligibility), 5.9% rep APR Top savings accounts Top easy-access savings: Revolut 5% (min £1) + possible £25 Top easy-access ISA: Trading 212 4.51%, min £1 Top one-year fix: MBNA 4.85%, min £1,000 Top energy deals Use our whole-of-market Cheap Energy Club Cheap Sims Up to 3GB data: Lebara, '£2.38/mth' for 3GB 4GB to 9GB data: Lebara, '£2.40/mth' for 5GB 10GB to 30GB data: Lebara, '£2.44/mth' for 10GB 31GB+ data: iD Mobile, '£2.94/mth' for 40GB

 

 

MSE NEWS - Top story: LPG users hit with mid-contract surcharges and price hikes following Middle East conflict - Faulty wall insulation fitted under an official scheme? More of the repair costs will be covered - Base rate held again at 3.75% - what it means for you and when it might next change

 

 

MONEY MORAL DILEMMA Would it be wrong to use our learning-disabled daughter's money to support her estranged son? Our adult daughter has a learning disability, so I help manage her bank account and benefits (with her agreement). Over time, her balance has built up. We've also raised her son, who she was not able to cope with. He's now 17 and wants nothing to do with her. We're living on State Pension and benefits, and - given his age - we can no longer claim benefits for his support. He's waiting to go to university, and I'm thinking about using our daughter's money to support him until then. I'm sure she'd agree if I suggested it, but I don't want to take advantage of her. Enter the Money Moral Maze: Is it OK to spend our learning-disabled daughter's money on her son? | Suggest a Money Moral Dilemma (MMD) | View past MMDs

 

Some World Cup competitions... - Win a mini football - Win tickets to a World Cup watch party - Win a bundle of kids' football books ...from the MSE Forum comping board - Win a World Cup-inspired top - Win a football, bottle or drawstring bag - Win a World Cup Final party and hotel stay for 10 people

 

 

MSE TEAM BLOG - MSE Forum highlights: gaming, gardening & golf

 

 

MARTIN'S APPEARANCES (WED 24 JUN ONWARDS) Thu 25 Jun - Ask Martin Lewis, BBC Radio 5 Live, 12 noon Tue 30 Jun - This Morning, ITV1, 10:20am

 

 

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