| | MARTIN'S QUICK BRIEFING: For more tips, alerts & awful puns, follow Martin on Twitter It's winter NOW. Switch energy to save £200+
The sun's shining, but switching takes 2mths, so in 'energy time' it's Nov In the world of energy switching, the cold snap is likely already here, as it takes 6-10 weeks for a change to happen once you've switched. So do it now and you'll be sure your energy is cheapest when the central heating's on full tilt.
Here are the 10 things EVERYONE NEEDS TO KNOW about gas & elec bills... | 1. | Don't think "there's no point switching they're all the same". As I'll prove below there are big differences both on price and service. So if you've been mistreated or pay too much, take them on by denying them your custom. | | | | 2. | A price war means many can save £200/yr switching. Lots of companies are fighting to offer the cheapest 'fixed' deals and keep undercutting each other - though these only tend to be available for a short time. Better still, as standard prices are unchanged, and likely to remain so for the rest of the year, there's a level playing field, so you get a true comparison.
What is a fix? It's where you're ensured no rate hikes for a set time (as opposed to variable tariffs where rates can rise). Obviously, the amount you'll be charged still depends on how much you use.
TOP PICK FIXES INCLUDE - varies by region (typical use)
Full top fix comparison to find YOUR actual price | | Fixed till | Early exit fee | Cost/yr | Service rating | | Costly standard tariff (1) | - | - | £1,220 | - | | Avg standard tariff (2) | - | - | £1,180 | - | | Extra Energy cheapest fix | 31 Oct 15 | £50 | £991 | Unknown, new | First Utility* cheap short fix
| 31 Oct 15 | £60 | £992 | 40% great | New. (From Wed).
EDF* fix longer, still cheap | 31 Mar 16 | None | £1,040 | 48% great | New. (From Wed).
EDF Blue +* cheap long fix | 31 May 18 | None | £1,210 | 48% great | Source: MoneySupermarket. All monthly direct debit, dual fuel, unless stated.
(1) British Gas, fixed price July 2017. (2) Across the big six. |
- ALWAYS compare (and get £30 cashback): Your exact winner depends on usage & location. Our free Cheap Energy Club's Top Fixes Comparison shows YOUR exact prices, and often can give £30 cashback if it can switch you (for other cashback options see our guide), plus it then monitors your tariff to tell you when to switch again.
- No exit penalties give certainty & flexibility. We favour no-exit penalty fixes so you can leave if other deals drop. But if a short fix with exit fees is so cheap savings easily cover the penalty (as above), it's not an issue.
- Fix long or short? Longer gives you certainty; shorter is likely to be cheaper (unless prices rise hugely) only if you're prepared to switch and switch again.
- Moving house? You can usually take a fix with you. Most fixes (incl those above) are portable, so if you move house you can take them with you. | | | | 3. | There are HUGE differences in service - 82% great vs 71% poor. I get swamped by energy complaints, yet as our recent poll of 6,800 shows, service levels vary enormously. If you're not happy - switch.
Poll results (service over last 6mths): providers with less than 100 votes excluded, see full result.
1. Ovo Energy: 82% great, 4% poor
2. Ebico: 81% great, 3% poor
3. EDF: 48% great, 16% poor
4. M&S Energy: 46% great, 13% poor
5. E.on: 43% great, 17% poor | 6. SSE (incl Atlantic): 42% great, 18% poor
7. First Utility: 40% great, 36% poor
8. British Gas: 35% great, 29% poor
9. Scottish Power: 18% great, 55% poor
10. Npower: 9% great, 71% poor |
Our top picks comparison includes service so, for example, we show you how much you'd pay to go with the winner here - Ovo's best deal. | | | | 4. | See if you're one of 3.5m owed £200 million. Many people are in credit when they switch energy supplier, but outrageously many firms operate a "don't ask, don't get it back" policy.
If you've switched in the last six years, it's time to ask for it back as your old supplier may've pocketed any credit you were due. Our Reclaim Energy Bill Credit guide shows how to check if you're owed and get money back.
"Yay! Got my weekly email and read about energy firms keeping your dosh. I switched from Npower in Dec, so had a quick check, a phone call later I had £215 back. Thanks MSE." - forumite Skaterdude | | | | 5. | Electricity-only or Economy 7? You can still save. Those with no gas can still get all the tariffs above, just do an Electricity-Only Top Picks Comparison to find out which will save you the most.
If you're on Economy 7 the decision can be more complicated - but savings are still there. Read our Economy 7 - Is It Worth It? guide. | | | | 6. | On a prepayment meter? You can still switch and save. You're not locked to one provider. While the market's less competitive, some may be able to save £150/yr - do a check via our Energy Club Prepayment Comparison.
It's also worth checking if you can move off prepay to a normal billed meter for free. Full help on this & more in our Cheap Prepaid Gas & Elec guide. | | | | 7. | What's going to happen to prices? Most industry experts predict over the next five years, energy prices will rise a lot - some say by up to 50%. However, in the short term this is likely to be the first winter in five years without hikes. Of the big six, British Gas and EDF have both promised no hikes until the end of 2014, Npower till spring 2015 and SSE till start of 2016.
Yet don't pick them for that - their standard prices cost more than cheap fixes, which ensures no hikes anyway. See full Will energy prices rise? news. | | | | 8. | Paying by monthly direct debit gets you a £70 - £90/yr discount. Here your annual usage is estimated and divided by 12. Ensure you do regular meter readings to keep it accurate, or you could build up a debt, or be overpaying. See our Fair Energy Direct Debits guide.
Extra Tip: If you pay by direct debit, you should usually be in credit right now after the summer - as a rough rule of thumb, by no more than a month's bills worth. This will be used up by winter's higher usage. If you're too much in credit or in debt, you may need to get your direct debit altered. | | | | 9. | Haggling with energy firms is usually a waste of time. It's not that they won't play ball. Often they will, telling you they'll put you on a cheaper deal, but there are a few big problems with this.
- Energy tariffs don't have a simple price tag. They're a mix of standing charge and unit prices. So you've only got their word it's cheaper.
- Ofgem rules mean they can't offer you a special deal - all tariffs need be available on comparisons (which like our Energy Club can also pay £30 switching cashback). So why haggle when you can do a check and find out definitively what tariff is cheapest for you? | | | | 10. | Struggling to pay energy bills? Help may be available. If you're seriously behind, act now so you're in shape for higher winter bills. BG, EDF and Npower have trusts giving £100s in grants to help with energy guzzling items. See Energy Grants. Or call the not-for-profit Homeheat helpline (0800 33 66 99), which gives advice on grants, benefits & reduced tariffs.
Also the Warm Home Discount worth £140/yr is given automatically to those on pension credit, though others can apply. | |
More Energy Help: No Standing Charge Tariffs | Green Deal Mythbuster | Free Insulation | Is it better to keep the heat on all day? |
Blagged for MoneySavers |
Did you miss? |
 Get constantly cheap energy Our club ensures you're always on the cheapest tariff.
Join free: Cheap Energy Club |
Reclaim PPI for FREE Claims handlers aren't more successful.
Free help & templates: Reclaim PPI |
MSE News |
 | Saved cash? Shout it from the rooftops. |  | | If this email's ever helped you, please forward it to friends and suggest they get it via moneysavingexpert.com/tips | |
 |  |  |
| Wed 10 Sep 2014 |
Urgent. Line rent & b'band £192 for a year (pay £15.40/mth) get £192 M&S vchs
Fair to say deal-wise, we think this is THE BEST BROADBAND DEAL WE'VE EVER SEEN. But it ends Thu 11.59pm If you're on a standard BT, Sky, Virgin or TalkTalk package, you may pay £300+/yr for broadband & line rental (excl calls). This deal knocks those for six. We gave you a heads-up last week. Now it's live, here's the full rundown...  Ends Thu: £192 M&S vouchers on £192 line rent & broadband. MSE Blagged. This is for Sky newbies (or those who left it 12+ months ago) signing up to a 12-month contract. It's ONLY available via this special Sky line rent and broadband deal* link so PLEASE READ THE FULL INFO BELOW...
- Compulsory line rental. You pay £15.40/mth for 12 months - so £184.80 over the year.
- Unlimited broadband (avail to 90% of UK). Up to 17Mb speed, this comes free with the line rent for 12mths. After that you're free to leave or pay £10/mth (£7.50/mth Sky TV users).
- Compulsory Sky router: It's 'free' but you have to pay £6.95 to cover p&p.
- Call costs: Weekend calls (up to 60 mins per call) to landlines included, other calls to UK phones match BT (see full call charges). Worth not if you rack up £100/mth in call charges, you'll be cut off until it's paid.
- You get £192 of M&S vouchers (£100 by post, £92 emailed). This is sent as TWO DIFFERENT vouchers - both within 90 days of your phone line being activated. A £100 voucher will be sent by post from Sky, plus a £92 voucher emailed from Affiliate Window (the marketing agency that runs Sky's special web promo deal).
Analysis: A year's line rent plus the £6.95 router p&p is £191.75 over the contract (excl calls). You then get £192 in M&S vouchers. If you'd spend that at M&S anyway, factor it in and you're effectively 25p UP over the year.
Need a new line? Don't have one, or switching from cable or a non-BT line? Installation's £20 on top. Full info
- Or pay £162/year for b'band & line rent, get £100 Amazon vch (good if you've already got Sky). An alternative deal - we've blagged a year's EE contract where you pay £132 line rent for a year upfront (or £15.75 if you pay monthly) and £2.50/mth broadband. Sign up to it and you get £100 Amazon voucher. See: EE deals.
More detailed info and alternatives in Cheap Broadband. Related: Cheap Home Phones, Digital TV Cost-Cutting back to top ↑ |
Odeon 40% off voucher (use again & again by 16 Oct). Works daily on most 2D/3D showings. Odeon 40% STOP PRESS: New longest EVER 34mth 0% debt shift card. A war to top the balance transfer tables has kicked off. On Mon, to stay top Barclaycard* upped its deal to 34mth 0% (2.99% fee) - the longest EVER, in response to Tesco* (2.9% fee) & Sainsbury's* (3% fee) jumping to 33mth 0%. WILL YOU GET ONE? Use our balance transfer eligibility calc to find your chances. THE GOLDEN RULES: Always make min repayments & ensure you clear the card, or shift again before the 0% ends or you pay 18.9% representative APR. FULL info Best Balance Transfers (APR Examples). Full briefing next week. Secret word gets FREE Starbucks latte for 1hr on Thur. Full instructions in our Starbucks Secret Deal. Free visit to 4,500 English property gems and now 800 London gems too (eg, St Paul's). A reminder, from Thu-Sun this week free Heritage Open Days means you can access 4,500 usually closed or fee charging buildings for free, eg, Beatrix Potter's house. Plus next weekend Open House London sees 800 buildings join it eg, Bank of Eng, Gherkin. |
HUGE 20mth 0% on new borrowing
Halifax's is the first credit card EVER to offer 20mths interest-free spending - no-cost borrowing if used right. A typical credit card charges you around 20% APR for spending on it if you don't repay in full. This new card lets you do it interest-free for 20mths, effectively allowing you to spread the cost at no cost - done right, there's no cheaper borrowing. - Who's it good for? A 0% credit card can be both the best and the worst way to borrow, so take care...
- Good for: Planned purchases (eg, new sofa/to pay car ins) that's budgeted for and repayable in 20mths or less.
- Bad for: Anyone using credit willy-nilly when they're a bit short (though if you'll do that anyway 0%'s best) OR those wanting to cut existing card debt costs; then, as above, go for a balance transfer card instead. - Longest 0% borrowing deal EVER. Halifax* advertises 20mths 0% on all spending. Yet it reserves the right to give up to 49% of accepted applicants just 16mths 0% spending - still strong, but beatable...
TOP NO ANNUAL FEE 0% SPENDING CREDIT CARDS
Before applying, try the free 0% spending eligibility calc to find which cards are likely to accept you | | Card | 0% spending for | Perks on spending | Rep APR after | | Halifax* | 20mths | None | 18.9% | | Tesco* | 19mths | Up to 5 Clubcard pts per £4 spent | 18.9% | | Amex Everyday* | 18mths | Up to 1.25% cashback on spending | 19.9% | | British Airways Amex* | 18mths | 1 Avios pt per £1 spent | 15.9% | | MBNA* | 6.6% rep APR long term (only 51% of accepted applicants need get this rate) The rate isn't fixed, but regulations mean you can usually reject rate hikes. | - Always obey the Golden Rules: Full help & more options in the 0% Spending Cards guide (APR Examples).
a) Don't just apply. The free 0% Eligibility Calc shows which card you've best acceptance odds for, to cut down applications on your credit file, thus protecting your credit score.
b) Clear the card before 0% ends (or at least balance transfer it). If not, the rate jumps to the rep APR.
c) Always pay at least the monthly minimum. If not, you may lose the 0% deal.
d) Never withdraw cash. It's not at the 0% rate, it's often far more and just doing it can hurt your credit file. back to top ↑ |
| Ends Thu 11:59pm Sky 50% off TV code. MSE Blagged. Sky newbies (ie, if you've not had it in 12mths) can get 50% off all TV packages (excl HD upgrade) PLUS free b'band for the year if you take its £15.40/mth line rent PLUS a £25 Tesco/M&S vch. Can be huge savings, eg, "Thanks, used one of your Sky codes, got more channels for a saving of £360 this year. #legend" - slyfish16. Full info and to get a code, go to Sky 50% Codes. Tesco wine EXTRA 25% off half-price cases - eg, 12 bottles Cabernet Sauvignon £51 (was £120). Till 15 Sep, get 25% off when you buy at least two cases at Tesco Wine* incl already discounted, eg, TWO cases Cabernet Sauvignon* £45 (was £120) + £6 delivery. Find Wine Discounts. Please be Drinkaware. BIG restaurant vouchers: Dominos 50% off, Pizza Hut Del 40% off, BK2for1, Pizza Exp 40% etc...
Dominos 50% off £15 code | Pizza Hut Del 40% off £30 code | Burger King 2for1 & more voucher
Pizza Express 40% off mains voucher | Yo! Sushi £2.50 plates in-restaurant offer | All Restaurant Vouchers 10,000 free £15 Grand Designs Live tix. MSE Blagged. (max 2/person). B'ham NEC 9 & 10 Oct. Grand Designs |
|
| | | |
| How your kids can grab a free Blue Peter badge to get £100s off ticket costs. A corking blog from our Deals Hunter, 10 years' free admission to Alton Towers, Thorpe Park, Legoland, London Zoo etc. Blue Peter badge it CODES & DISCOUNTS: Pay £12 get £20 TK Maxx, Laura Ashley 30% , Topman 20%, etc...
TK Maxx £20 vch for £12 from Wed | Laura Ashley 30% off in-store & online | Topman 20% off code | River Island 20% off women's vch in £4 mag | Tesco Direct £10 off £50 code | Boden 20% off code (WED) | Discount Vouchers Trick gets 30 Thorntons 100g chocolate bags for £28 (£76-worth). Perfect for stocking up for Christmas. The chocolatier has a deal on, but stack that with the right code & you slam the price down. Thorntons Deals |
Backup 57GB of photos, videos, files for free
So that's about 22,800 photos or nearly 300 hours of video from your phone or a combination of both
Jennifer Lawrence and other celebs hit the news last week when their 'personal' photos were hacked from online backups. So fair's fair, 100% online safety doesn't exist. Yet if you're just backing up family snaps you can do huge amounts free...  Free online 'cloud' storage. 'The cloud' is actually banks of servers run by big companies. Some offer free storage hoping you'll pay more if your space runs out. Just sign up, then copy over files/photos to save. You can then access them from anywhere. Roughly 1GB saves up to 400 photos, or 5 hours of phone video. Here are the offers, combined you can get 57GB:
- 15GB of free storage: at Google Drive, OneDrive and Copy.
- 5GB of free storage: at Amazon Cloud Drive (more if you access its other services) and Apple's iCloud.
- 2GB of free storage: at Dropbox,one of the biggest names in online storage, more if you refer friends.- Pay £15/year for 100GB (compared to Apple's £70/yr for 50GB ). Prices vary hugely, so be careful. Cheapest for 100GB is Google drive, or for 1,000GB (1TB), Dropbox is £95. See cheapest paid cloud storage.
- Cheapest USB data keys & cards. To keep out of hackers' clutches, back up your data offline using memory sticks and cards. Get an 8GB memory stick from PC World* for £2.99 or an 16GB SD card from Amazon* for £3.98. See Cheapest Memory Cards.
- Tips for safe storage. There's no perfect solution if the system itself is cracked, but some things help:
1) Use different passwords for different sites, and don't use birthdays or other obvious numbers.
2) Always use antivirus software - see our free antivirus software guide & remember to keep it up-to-date.
3) Watch out for suspicious emails & attachments, use free spyware removal to get rid of rogue programmes.
4) Think carefully about whether you really want sensitive documents or photos in the cloud.
5) If you're uploading photos, ensure you do it on an 'unlimited' data connection or it can cost large. back to top ↑ |
| iPad Mini with Retina Display £289. Cheapest we've ever seen via £30 off codes or iPad Mini £219. Cheap iPads Success of the week: (Send us yours on this or any topic)
"Home insurance renewal quote £790. Got near enough like for like and some improvement tweaks for £160. A massive annual saving of £630... Well happy."
You see you can slash costs - follow our full Cheap Buildings & Contents Insurance system
Show Best Buys
Forum Hottie. Free Nakd cereal bar. Normally 75p, use printable vch in major supermarkets. 15,000 avail. See Nakd. Flash 1-DAY London sales event up to 20% off at Diesel, Levi's, Benefit, American Apparel, etc. This Thu, get a voucher for more than 100 Soho stores, restaurants and bars. Carnaby offers |
Warning. Check your 'best buy' savings now
Just because it was a best buy when you got it, doesn't mean it is now. Ditch, switch & get UP TO 5% INTEREST It's no longer possible to shove cash in savings and forget about it, knowing the rate'll stay good. Just look at the table below. So check your savings rates now. Many pay far less than you think - if so, switch. All have full £85k UK savings safety. | How Sept 2012s best-buys' AERs plummeted | | | Savings accounts | Then (1) | Now | | 1 | AA Savings Internet Extra | 3.07% | 0.5% | | 2 | West Brom Direct Bonus | 3.06% | 1.1% | | 3 | Post Office Online Saver | 3.01% | 1.15% | | 4 | Santander eSaver | 3% | 0.5% | | Cash ISAs | | 1 | Manchester BS Plat Instant | 3.06% | 1.25% | | 2 | Post Office Premier | 3.01% | 0.9% | | 3 | Santander Direct | 3% | 0.5% | | 4 | M&S Advantage | 3% | 1.3% | | 1) Based on top rates - some with less, got less | - Boost interest to 5% with top BANK accounts. Bizarrely, the top easy access savings rates come from current accounts, used to tempt you to switch. If you've £3,000-£20,000 Santander's 123* pays 3% AER; it has a £2/mth fee but for most that's easily covered as it pays up to 3% cashback on bills. Smaller savers can try TSB's 5% AER* (max £2,000). Full info & how to open multiple accounts in 5% savings loophole.
- Top standard easy access savings 1.45% AER. Even with poor top rates, switching's so easy, just max every penny. Get 1.45% AER variable with Nottingham BS (min £5,000) including a temporary rate boost by 0.86% till Nov 2015. This effectively acts as a min rate guarantee, just diarise to ditch & switch after. The AA has 1.4% AER variable (0.9% 1yr bonus, min £1,000). Full info & options: Top Savings
- Get 1.55% AER tax-free. You can put up to £15,000 in this year's New ISAs (NISAs) and pay no tax on the interest. Top paying deal where you can withdraw any time is BM Savings* 1.55% AER and you can transfer old cash into it too. The rate includes a 12mth 1.05% bonus, so diarise to ditch & transfer when it ends. Higher rates if you're willing to fix or go for a notice account in Top Cash NISAs.
More on making your savings work harder: Peer-To-Peer Lending | Repay Debts With Savings | Overpay Your Mortgage back to top ↑ |
| FLASH Euro/Dollar sale. Until 4pm Fri Amex is boosting online ordered delivery/collection rates - see how its updated rates stack up in our Travel Money Comparison. Want the cheapest way to spend abroad? The Halifax Clarity* credit card (check if you'll get it) gives near-perfect spending rates worldwide, beating changing money. But pay off IN FULL each month, or it's 12.9% rep APR. Full info: Cheap Overseas Cards (APR Examples)
Show Best Buys |
| Show Vouchers and Top Deals |
| | | |
|
 CAMPAIGN OF THE WEEK
Are you a leaseholder with issues with your property manager?
Do you think your service charge is unfairly high? Do you pay too much for maintenance? The competition watchdog, the Competition & Markets Authority (CMA), wants leaseholders' feedback. See the MSE forum for more info and email the CMA by Fri 19 Sep. MONEY MORAL DILEMMA
Should I pay towards my friend's plane ticket?
This week's MoneySaver who wants advice asks... I've won a freebie ticket to New York for a trip I'm going on with a friend. She still has to pay full whack for her ticket and wants me to pay half. Should I stump up the cash? Enter the Money Moral Maze: Should I pay towards my friend's plane ticket? | Suggest an MMD | View Past MMDs THE GREAT HUNT
Cheap but healthy packed lunches
The new school term's underway and we want to tap MoneySavers' collective knowledge on cheap but healthy packed lunches. How do you send your child off to school with a budget-busting meal which is still healthy, nutritious and appealing? Share yours/read others': Healthy and cheap lunchbox recipes Past topics: View all CHEAP FLIGHT SALES ALERT
Airline: Monarch Price: £34.99 or less Ends: Fri 12 Sep
Our pick this week is Monarch's* offer for flights till 26 Mar 2015, with around 50,000 seats available. The sale ends Fri 12 Sep and includes taxes and charges. There's no code to enter, the price appears automatically. Extra charges warning: Avoid payment and check-in charges - see the Budget Airline Fee Fighting guide. Related: Cheap Flights, Cheap Hotels, Spending Abroad, Cheap Currency, Travel Insurance THE GREAT HUNT... REVEALED
What are your best money tips for newlyweds?
As wedding season comes to a close we asked for your best tips for a financially happy marriage. MoneySavers suggested being honest about money, planning for the marriage, not the wedding, making your own traditions and pooling bills money. back to top ↑ |
| | |
Martin's blogs | Martin's appearances 11 Sep
Good Morning Britain, ITV, 7.40am.
Deals of the Week | 11 Sep
Shelagh Fogarty, Radio 5 Live, 12pm-1pm.
Consumer Panel.
Subscribe to podcast. | 12 Sep
This Morning (time tbc)
Martin's 90 Second Savers | 15 Sep
This Morning live (time tbc) | |
MSE team corner - Team blogs:
- No team blogs this week.
- Team appearances:
- No team appearances this week.
| Discussion of the week How did you feel before your wedding? Keep calm and say I do: our forumites share their laughs and stressful stories on the How did you feel before your wedding? thread. Join in and share your experiences and tips for dealing with pre-wedding jitters. | Cheap travel money |
This week's poll: What gift cards do you value the most? Imagine a friend was willing to sell you their £100 gift card (for personal use, not to resell). How much would you pay for it (answer for as many of the following brands as you like)? | Poll results Do you still print photos?
Around one in three only print one or two special snaps on occasion. Similarly, around one in three NEVER print photos.
Rather interestingly (despite the rise of selfies), 12% of single people with no kids of school age rarely take photos.
9,321 voted. See the full results. |
Question of the week Q: I've made three claims on my home insurance in the last three years and now my provider won't give me a quote for this year's renewal. What can I do to find affordable cover? Matt, via email. MSE Leigh’s A: Insurers are within their rights not to offer renewals to existing customers but your existing provider is often far from cheapest anyway, as insurers often reward new customers best. Even if you have a history of claims, you need to follow our usual cheap home insurance system to find cover - just because one insurer won't cover you doesn't mean others won't. If you are still struggling to find affordable cover, try a local broker who can try to find you a bespoke quote - look via the British Insurance Brokers' Association website. Please suggest a question of the week (we can't reply to individual emails). |
 Free game of the week: TV Anchor Makeover |
Oh no, oh no no no no no - when supermarkets get 'back to school' all wrong That's it for this week. However before we go, with the summer holidays over, shops worldwide are cashing in with deals as the kids return to the classroom. But sometimes back-to-school goes badly wrong. We hope you save some money, Martin & the MSE team |
| Important. Please read how MoneySavingExpert.com works We think it's important you understand the strengths and limitations of this email and the site. We're a journalistic website, and aim to provide the best MoneySaving guides, tips, tools and techniques - but can't promise to be perfect, so do note you use the information at your own risk and we can't accept liability if things go wrong.
What you need to know This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances - and remember we focus on rates not service. We don't as a general policy investigate the solvency of companies mentioned, how likely they are to go bust, but there is a risk any company can struggle and it's rarely made public until it's too late (see the section 75 guide for protection tips). We often link to other websites, but we 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 MoneySaving Expert and Martin Lewis What is MoneySavingExpert.com?
Founded in February 2003, it's now the UK's biggest consumer help website with over 9 million people getting this email and nearly 13m using the site. In September 2012 it became part of the MoneySupermarket Group PLC. Its focus is simple: how to save cash and fight for financial justice on anything and everything. The site has over 30 full time staff about half 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 set up and runs MSE, and still writes this email each week (unless it says so). He's an ultra-focused money-saving journalist and consumer campaigner with his own ITV prime-time The Martin Lewis Money Show, weekly slots on Radio 5 Live, This Morning and Good Morning Britain, amongst others. He’s a columnist for publications including the Telegraph and Woman magazine. More info: See Martin Lewis' biography What do the links with a * mean? Any links with a * 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 product at all and the editorial line (the things we write) isn't changed due to it. 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 extraenergy.com, first-utility.com, edfenergy.com, barclaycard.co.uk, sainsburysbank.co.uk, tescobank.com, halifax.co.uk, americanexpress.com, mbna.co.uk, tesco.com, moneysupermarket.com, gocompare.com, directline.com, aviva.co.uk, admiral.com, bmsavings.co.uk, santander-products.co.uk, sb.co.uk, halifax.co.uk, firstdirect.com, confused.com, comparethemarket.com, directline.com, aviva.co.uk, postoffice.co.uk, talktalk.co.uk, monarch.co.uk.
Financial Conduct Authority (FCA) Note Referring people to insurers or insurance intermediaries can in some circumstances constitute an FCA regulated activity. For this reason, pages with links which take you to the sites of insurers or insurance intermediaries are hosted by MoneySavingExpert.com Limited on behalf of MoneySupermarket.com Group PLC. MoneySupermarket.com Financial Group Limited is authorised and regulated by the Financial Conduct Authority (FRN: 303190). The registered office address of both MoneySupermarket.com Group PLC and MoneySupermarket.com Financial Group Limited is MoneySupermarket House, St. David’s Park, Ewloe, Chester, CH5 3UZ. To change your E-mail or stop receiving the weekly tips (unsubscribe): Go to: www.moneysavingexpert.com/tips |
No comments:
Post a Comment