4% easy-ish access?, free Lidl/Asda £5s, £1,000s in easy cashback, 21 plants £11, Will you be allowed to vote?

Plus...FREE Ideal Home Show tix, beat Virgin hikes, 100GB Sim £10/month, Tesco Clubcard app warning

                                                           

22 February 2023 | View in browser

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

 

THE TOP TIPS IN THIS EMAIL Become a CASHBACK king (or queen) to gain £1,000s, including... - 1% on debit card spending - £200 FREE cash - Up to 3% on bills New. Free £5 at Lidl & Asda  Martin's savers' boosters: Earn over 4% with access Warning. You WON'T be allowed to vote this May unless you've ID Ends Thu. FREE Ideal Home Show tix Ends Thu. 100GB Sim for '£9.87/month' 21 summer plants bundle £11 O2/Virgin Mobile to hike bills by 17.3% 30+ birthday FREEBIES, including Krispy Kreme, Greggs Martin's podcast: Aged 45 to 70? Boost state pension by £1,000s, plus Govt must act on energy bills Beat Virgin Media price hike Sending a parcel? Royal Mail's extended free home pick-up In Wales? Don't miss £200 energy help Tesco's Pay+ and Clubcard apps closing This week's best buys, including 30-month 0% debt shift, £15/month broadband, Car Insurance Compare+ Should my partner pay more towards bills as they earn more? BEST BUYS & TOOLS MSE Cheap Mobile Finder Credit Club including free credit report 0% balance transfers Compare broadband deals MSE Car Insurance Compare+ Best bank accounts Top savings accounts Credit cards for bad credit Credit Card Eligibility Calculator Loans Eligibility Calculator Mortgage comparison Compare travel money Cheap Energy Club, with Pick Me A Tariff Best Sim-only deals

Time to become a CASHBACK king (or queen - but it doesn't alliterate as well) - New. 1% on debit card spending year after year - £200 FREE from a bank account - Up to 3% cashback on your bills - Extra cashback at many retailers - Up to 12% off mobile bills And you can combine these to gain £1,000s Chase Bank launched its current account in Sept 2021, and has long been our top-pick cashback card, giving 1% cashback on  spending for the first year. It's now changing its rules so you can keep getting cashback even after the 12 months is up (with some T&Cs). So that made us think, how can you take the cashback crown, in every possible way...? 1. Hurry. Get unlimited 1% cashback for a year, and now up to £15/month cashback after that... The Chase* app-based bank is a best or near best-buy in a good few categories. You don't need to switch to it to get the perks, and it only does an ID check on application, so won't affect your ability to get credit later. This makes it a great option to use alongside your normal bank account. It gives: 1% cashback on normal debit card spending for a year. This is unlimited for 12 months if you sign up before 1 May, but sign up after that and it's capped at £15/month. It does exclude cashback for buying cars, art, gambling and a few others - see the full list. New. Cashback continues after a year. For new and existing customers, the cashback will now continue, though after 1 April those who have had the account over a year will see cashback capped at £15/month (£1,500 of spending). Plus you'll need to pay in £500+/month to the current account, so set up a standing order.  3% AER easy-access linked savings (max £500k) - near best buy. 5% 'round-up' savings pot on spare change from purchases. 1% interest on current account balances. From 1 April. Top card for spending overseas. Gives near-perfect rates (and 1% cashback on overseas spending too). See top cards abroad. PS: Chase also just announced it'll put data on your credit file. As it doesn't have any debt products, such as overdrafts, credit cards or loans, this will likely have a positive impact on customers' credit scores. 2. Grab up to £200 FREE CASH with a bank switch You needn't use Chase as your main bank so you're able to combine it with your normal bank account. And right now, as four banks currently offer new switchers free cash. So unless you love your current current-account, why not get paid to ditch and switch? Switching is easy: use the banks' seven-working-day switching service, and they move all money, direct debits and standing orders for you, forward all payments to the new account and close your old account. Full help and options in top bank accounts but in brief, here are our two top picks... Free £200 and £3/month cashback. The Reward account from sister banks NatWest* & RBS* pays switchers £200 and while there's a £2 monthly fee, you get £5 cashback, so you're £3/month up. To qualify for all this you need to pay in £1,250/month, log in to the mobile app each month, and have two direct debits set up. Free £175, top service, £250 0% overdraft, 7% regular savings, £30 Amazon voucher. New switchers to First Direct's 1st Account who apply via this uSwitch link* can get a free £175 from First Direct, plus claim a £30 Amazon voucher on top. You'll need to pay in £1,000+ once within three months to get the £175.  First Direct comes top or near-top of most customer service polls we do, with 90% rating it 'great' in the most recent. You usually get an ongoing 0% overdraft of £250, and can put up to £300/month in its linked 7% regular saver. If you're not interested in the £30 Amazon voucher, you can apply direct*. See full details, including how to claim the voucher, in Best bank accounts. Bank switching can be done multiple times - some have made £1,000s over the years. MoneySaver Helen's quite new to it, but emailed us this: "I've switched 3 times in 12 months, netting a cool £450 + rewards! Also opened Chase to get the 1% cashback and used it abroad (no fees)... love being as savvy as I can after discovering MSE! Thanks for all you do." For more info on how to get FREE cash regularly just from doing this, see our detailed how to keep switching bank for cash guide. 3. Get cashback on bills with a Santander Edge account This is tougher to make work alongside the switching and cashback options above, unless you have a joint bills account (separate from your own account), in which case this is a great addition. With the Santander Edge* account, for £3/month (plus a £500/month deposit and 2+ direct debits) you get:  1% back on household bills, such as energy, council tax and broadband (max £10/mth)  1% back on supermarket + transport spending (max £10/mth) You can then use this to pay bills and Chase for everyday spending. 4. Big spender? 5% cashback reward credit card There's a way to earn far more spending cashback than with Chase, but it's only for 3 months - though if you've a planned big-spend period coming, grab it. You use a reward credit card paid off IN FULL each month (or the interest cost dwarfs the cashback gain), and, as it's a credit card, you get Section 75 protection that you don't get with Chase.  The Amex Platinum Cashback Everyday* card (best to first check your odds of being accepted) pays 5% cashback for the first 3 months (max £100), then an ongoing 0.5% to 1% cashback. Yet you have to spend £3,000+/year on it to get any cashback. Yet make sure you repay IN FULL every month or it charges 28.1% rep APR interest, which dwarfs the cashback gain. If you'll spend over £10,000 a year, also check out the different Amex Platinum Cashback card. It can also be useful for those big spenders who have had Chase for over a year, and will soon face the £1,500 spending cashback cap. So you could use this for spending above that. 5. Shop through cashback sites for extra on top Cashback sites get paid by retailers when you spend through them, and to get you to do that, they give you some of what they get paid as cashback. So if there's something you need and you've checked where it's cheapest, then buy it from that store through a cashback website such as Quidco or Topcashback. Some people make £100s a year from this - see our full cashback website pros & cons guide for more. And all this works ON TOP of the 1% Chase or reward credit card cashback. Do bear in mind, earnings from cashback sites aren't guaranteed until they're in your account, so see them as a nice bonus, not a certainty. 6. And... earn up to 12% cashback on everyday spending, redeemable as a discount off mobile bills This last one is the icing on the cake, as you can get it as well as the Chase cashback, and the cashback from cashback sites. Link any Visa or Mastercard bank accounts you have (works with all UK banks, won't work with Amex) to minimal effort cashback app Airtime Rewards and it automatically tracks spending at 100+ retailers, such as Argos, Boots and Greggs. It then pays 1% to 12% cashback, redeemable as credit against your mobile bill (for the major networks such as Vodafone and EE but not Sky Mobile, Voxi, Tesco Mobile and so on).

 

 

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.

 

 

 

New. FREE £5 at Lidl & Asda plus 9 other grocery cost-cutters 50+ supermarket coupons, £10 Aldi food £3.30, £35 cashback deals stack & more... Inflation may have crept a tad lower, but grocery costs are still rising at an alarming rate, 16.7% year on year. No one can reverse that, but efficient shopping and a few tricks may be able to help you keep the cost lower. Our 30+ supermarket shopping tips will take you through it, but we've stuck these goodies in our basket for now... New. £5 off vouchers at Lidl and Asda. From Wednesday, Lidl is offering one million £5 off vouchers via its app to spend by Tue 28 Feb. See how to get a £5 off £25 Lidl voucher. Plus, newbies to the Asda Rewards app can get a £5 voucher to spend on almost anything in-store or online, until Tue 28 Feb. See Asda £5 off for how it works. 50+ supermarket coupons, including free £1.40 energy drink, Tesco £5 off pet items, £1.80 off Dairylea crackers. Check out our 50+ February coupons round-up to save you a packet, whether shopping in-store or online. New. Pay £3.30 for at least £10 of unsold Aldi food. The free Too Good To Go app offers discounted surplus food from supermarkets and restaurants. Buy a 'magic bag' through the app, containing food worth at least three times the value, then collect at a store. Aldi's joined with £3.30 'magic bags', and MoneySaver Penny tweeted: "I found a whole chicken, pork casserole meal, mince, battered fish, ham, curry ready meal, vegan curry, mushrooms, spring onions, bread, cream cakes, muffins and crumpets. Will definitely use again." £45+ off via first-timer grocery codes, including £15 off Sainsbury's, £5 off Iceland, 25% off Ocado. Supermarkets offer discounts for shopping online for the first time - and right now there are six big money-off codes. So use those you've not used before as a one-off way to save. These include Sainsbury's £15 off £60 | Ocado 25% off £60 | Iceland £5 off £45. Or for small orders, the 10 to 15-minute delivery firms have deep discounts, such as Getir £10 off £11 or Gopuff 40% off. Ends Fri. Up to £35 off a £50 supermarket spend for Topcashback newbies. Or existing users can get £5+ back. Full explanation in MSE Rhiannon's Topcashback deals stack blog. Are you keeping the RIGHT food in the fridge? Check where you should keep bread, fruit, veg and more to prolong their lifespan and stop you throwing food away. New. Get 5% cashback at the major supermarkets and more if you've a Nationwide current account. Pay for your shop with a Nationwide debit card and you get up to £10 cashback a month until 30 April (£10 each for joint accounts). Full info in Nationwide 5% supermarket cashback. For ongoing cashback, the Santander Edge and the Chase Bank accounts pay 1% cashback on most grocery spending. See top reward bank accounts. Speedily find the cheapest supermarket for your items. Handy comparison tool Trolley lets you benchmark the cost of products at the major supermarkets. You can also get alerts when the prices of your favourite goodies drop. Buy beyond-best-before items at big discounts. 'Best-before' dates are a manufacturer's optimum quality view, 'use-by' dates are a health warning. Some stores sell perfectly fine at or near best-before items at huge discounts, for example 'lucky dip' crisps for 5p. Plus, Lidl offers 5kg of fruit/veg for £1.50 that's just past its best, but edible. More tricks: Hidden baby-aisle discounts | 70% off world food | Yellow-sticker discounts | Secret 'insider' tips. Check if you can get money off nutritious food through the Healthy Start scheme. If you're on certain benefits and are pregnant or have a child under four (or three in Scotland), you can get between £17 and £36 a month to spend on healthy foods in 30,000 shops nationwide. Related: Iceland offers £2 boost for free school meal vouchers till Friday. PS: Struggling to afford food? There is help. Don't go hungry. Check if you live near a social supermarket or community shop for those on low incomes. Foodbanks can also help - find a foodbank near you or see how to donate if you can afford to.

 

Warning. You WON'T be allowed to vote this May unless you've the right ID. From the local elections on 4 May, for the first time, all voters in England, Scotland & Wales need ID to vote. Check what ID you'll need NOW. Ends Thu. 10,000 FREE (normally £18ish) Ideal Home Show London tickets (see Martin live?). It's extended our free ticket offer for weekdays in mid to late March. Full info in free Ideal Home Show. Ends Thu. A huge 100GB of mobile data for '£9.87 a month'. Plus unlimited minutes & texts, through a TalkMobile Sim (Vodafone network). It costs £11.95 a month, which will not rise during the year's contract. Plus, apply before 11.59pm on Thursday to qualify for a £25 Amazon voucher, which you have to CLAIM (don't forget) within four months. Factor that in over the one-year contract and it's equivalent to £9.87 a month. Want a different network? Use our Cheap Mobile Finder. 21 summer plants bundle for £11 delivered. MSE Blagged. 7,500 bundles available, but not in Northern Ireland or parts of Scotland. Thompson & Morgan O2 and Virgin Mobile to hike mobile bills by up to 17.3% in April. You'll see a lower rise if you're on an O2 'Refresh' or Virgin 'Freestyle' plan. See Can you beat the O2 and Virgin Mobile hikes? Related: Tesco Mobile to hike prices by 14.4% for some. 30+ birthday FREEBIES, including Krispy Kreme, Greggs, Body Shop. MSE turns 20 today (Wed), so it's a good excuse to share our birthday freebies round-up, which works whenever you're celebrating. Happy birthday to us Everything you've ever wanted to know about PENSIONS special - could be worth £10,000s. ITV, The Martin Lewis Money Show Live! Tue 8pm to 9.30pm. Over to Martin: "Yes, I've managed to blag 90 minutes of prime time to talk everything you've ever wanted to know about pensions but were afraid (or didn't know who) to ask. Both state, private and company pensions, how to get them, how to max and boost them, and what to do with the money when you retire. If you're aged 16 to 116, don't miss it, or at least set the Betamax."

 

 

BLAGGED FOR MSE - 21 summer plants bundle £11 delivered 7,500 available	DID YOU MISS? - Extra 30% off Amazon's already discounted 'hidden' Warehouse - Council tax to rise by 5% for millions - check now if you can save - Martin: What you need to know NOW about mortgage rates - Sky to hike prices by £67 a year - can you ditch and switch? - £160 of Lottie London beauty dupes £34 all-in - Martin: Faulty tech? Don't let 'em fob you off

 

 

Martin's quick SAVERS' BOOSTERS... 'Is your money in easy-access savings due to fear you may need the cash? Relax, you can earn more, over FOUR PER CENT, with access if needed' Easy-access accounts are the simplest savings, letting you put lump sums in and withdraw when you want. Yet while you pay for that flexibility with lower rates, many leave cash in there for years, without touching it, arguing "I may need to get at it at some point". So I've four boosts - higher payers which give some access to your cash. And you can MIX these, so split your money across different ones, if suitable.  All listed have full £85,000 per person, per financial institution UK savings safety protection. Top easy access is 3.15%. This is the benchmark to beat. Earn less? Ditch & switch. For flexibility to withdraw as many times as you want, with no minimum deposit or withdrawal, there's app-based Chip 3.15%, and app-based Tandem* 3.05%, while for online accounts it's Cynergy Bank 3.04%. Existing Barclays & Santander Edge customers can earn more on limited amounts via linked savers. All these are AER variable, so monitor the rate. Full info and many more options in top easy access. BOOST 1: Only need to withdraw occasionally? Earn 3.35% on up to £5,000. Yorkshire BS pays 3.35% AER variable on up to £5,000 (2.85% above) but only allows two withdrawals a year. So if you won't be constantly dipping into it, on smaller amounts it's a winner. And as many of you tell us you want high-street names, a mention of Nationwide* at 2.5% AER easy access, but limited to 3 annual penalty-free withdrawals. BOOST 2: 4.05% fixed cash ISAs - let you access cash in an emergency. With normal fixed savings you lock money away in return for higher, guaranteed interest. Tax-free fixed-rate cash ISA savings pay slightly lower rates, but the rules state they must allow you to access your cash, though they can charge an interest penalty if you do. Yet as rates are much higher than easy access, if you're unlikely to touch the cash, but want insurance that you can if needed, these win. First the rates, then a table showing what you'd actually get after early withdrawal penalties... - 1-yr fixed ISAs: Barclays' 4% AER (min £1) allows 3 penalty-free withdrawals (each up to a max of 10% of balance), or you pay 90 days' interest penalty if more. Existing Barclays customers can open it online, if not you'll need to book a branch appointment, and wait times can be long. UBL UK's 3.91% AER (min £2,000) online account charges 90 days' interest if you withdraw early. - 2-yr fixed ISAs: Close Brothers' 4.05% AER (min £10,000) has a 150-day interest early-withdrawal penalty. Skipton BS's 4% AER* (min £500) has 180 days'. Effective AER earnt if withdraw after... 2yrs 18mths 1yr 9mths 6mths 3.91% 1yr ISA, 90-day penalty - - 3.91% 2.6% 2% 4.05% 2yr ISA, 150-day penalty 4.05% 3% 2.4% 1.8% 0.7% BOOST 3: Get 3.55% in a notice account if you know, or will know, when you'll need to withdraw. Notice accounts require you to, er, give notice before you can withdraw your cash, so they're good if you know when you'll need the money, eg, if saving for a home, you should have a good idea in plenty of time. Investec's 90-day notice 3.55% AER variable (min £5,000) is our top pick based on rate and notice - see more options in top notice accounts. BOOST 4: Short-term fixes pay up to 3.68% if you know exactly when you'll need the money. If you know when you'll need your cash (eg, for future mortgage overpayments) you can lock it away for six months in Zenith (via Raisin) 3.5% + poss £25 cashback (min £1,000) or app-only Atom's 3.45% (min £50). For nine months there's Brown Shipley (via Raisin) 3.68% + poss £25 cashback (min £1,000) or Atom's 3.6% (min £50). If you know when you'll need it, but you've more time, see top longer fixes. Can you boost your interest further? Some specialised options in our Savings section pay even more. - 50% bonus for many on universal credit or tax credits. See Help to Save. - 25% bonus for first-time buyers aged 18 to 39. See Top Lifetime ISAs. - Earn up to 7% if you can save monthly. See Regular savings. - Prefer to invest? Higher returns possible, but more risk. See Stocks & shares ISAs.

 

Important listen: Aged 45 to 70? Little time left to boost your state pension by £1,000s, plus Government must act on energy bills. All in the new The Martin Lewis Podcast - listen through BBC Sounds, Apple, Spotify and more. Beat the Virgin Media price hike: 'I'm saving £849 a year.' Our success of the week comes from Tim, who followed our Virgin Media price hike tips. He said: "I get all my media stuff through Virgin Media, but as I'm a sports fan we have a complete £136 a month package. This was set to rise to £157. After an hour or so, I managed to reduce the bill to £86.25 with an upgrade to HD sports and no increase. Thank you for reminding me to haggle." If we've helped you save money (on this, or owt else), please send us your MoneySaving successes.  Sending a parcel? Royal Mail's extended its free home pick-up. Till 2 Apr. Normally up to 72p. Royal Mail In Wales? Check if you can apply for an extra £200 energy bill support before Tue 28 Feb. The Wales Fuel Support Scheme gives a one-off £200 cash payment to those on certain benefits - but you MUST apply for it. The deadline for applications is Tue 28 Feb. For full eligibility info and how to apply, see £200 for Welsh energy bill-payers. Tesco's Pay+ and Clubcard apps are closing - don't get caught out at the checkout. We've full details, including the new app you need to download. Tesco apps closing

 

 

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

 

 

AT A GLANCE BEST BUYS 0% balance transfers Longest 0%: NatWest (check eligibility / apply*) - 30 months 0%, 2.99% fee (23.9% rep APR interest) No-fee 0%: NatWest - 19 months 0% (23.9% rep APR)  Best bank accounts £200 to switch, £36/year cashback + 6% savings: NatWest £175 to switch, 7% savings, TOP service + £30 Amazon voucher: First Direct  Top savings accounts Top easy access: Chip 3.15%, min £1 Top one-year fix: SmartSave 4.21%, min £10,000  Car insurance Try our Car Insurance Compare+ tool Cheap loans Cheapest for £5,000 to £7,499: AIB (NI) (apply), 5.6% rep APR Cheapest for £7,500 to £15,000: Sainsbury's Bank (check eligibility / apply*), 4.8% rep APR (must have Nectar card)  Broadband top picks Standard (10Mb+): Shell Energy '£15.47/month' Fibre (30Mb+): Shell Energy '£15.53/month' Fast fibre (55Mb+): Shell Energy '£17.42/month' On universal credit or similar? Check discounted social tariffs Cheap Sims Up to 3GB data: Lebara, '£2.94/month' for 3GB 4GB to 9GB data: Lebara, '£3.70/month' for 5GB 10GB+ data: iD Mobile, '£4.67/month' for 15GB

 

CAMPAIGN OF THE WEEK Calls for Government to introduce energy 'social tariff' from April 2024. The charities Age UK and Scope - alongside other campaigners - are asking people to sign an open letter urging the Government to bring in a discounted energy deal aimed at those in greatest need next year. The Government has already said it'll consider this as part of long-term plans to protect vulnerable consumers, and we've also supported this move. Read the full letter and add your name to support.

 

THIS WEEK'S POLL How much do you spend on birthdays each year? It's MSE's 20th birthday this week (hooray!) - so a perfect excuse to celebrate. And while many feel it's important to treat themselves and others when a birthday comes around, the cost can really add up. So we were left wondering, how much do you spend on birthdays each year? The majority of MoneySavers spend between £41 and £100 a week on groceries. Last week, we asked how much you spend on average each week on groceries. More than 12,000 people responded, with over half (57%) spending between £41 and £100. As you'd expect, those living with a partner and children are most likely to spend more, with the majority in this category (59%) spending more than £100 a week, and 14% spending more than £150. See full poll results.

 

 

MSE NEWS - Top story: Tax rebate firm Tax Credits Ltd shut down by HMRC after MSE investigation - All primary age children in London to get free school meals for a year - With M&S Energy? You're moving to Octopus Energy in April - £2 bus fare cap extended to 30 June - Energy suppliers to suspend forced prepay meter installations until 31 March

 

 

MONEY MORAL DILEMMA Should my partner pay more towards bills as they earn more? My other half of eight years earns more than twice what I do, but we both pay the same towards our household bills. With the current high energy prices, splitting bills this way puts me into fuel poverty, as more than 10% of my income is spent on energy. Yet I get no grants or benefits to help with this as my partner's income means that, as a household, we're not eligible. I have very little left over after living expenses, so should I ask my partner to pay more or is it fairer to keep bills 50/50? Enter the Money Moral Maze: Should my partner pay more towards bills? | Suggest a Money Moral Dilemma

 

 

MSE TEAM BLOG - MSE Forum highlights: Pansies, PCNs & property auctions

 

 

MARTIN'S APPEARANCES (WED 22 FEB ONWARDS) Wed 22 Feb - Ask Martin Lewis, BBC Radio 5 Live, 1pm Tue 28 Feb - This Morning, phone-in, ITV, 10.25am MSE TEAM APPEARANCES (SUBJECT TBC) Tue 28 Feb - BBC Radio Cambridgeshire, Mid-morning with Jeremy Sallis, from 10.45am

 

CHEESED OFF... WHAT EXAMPLES OF 'SHRINKLATION' HAVE YOU SPOTTED? That's all for this week, but before we go... with reports that many chocolate Easter eggs are smaller this year, we're reminded that MSE Forumites have been keeping tabs on 'shrinkflation' (items getting smaller while the price stays the same or increases) for years. Here are some of their classic spots... One called out Maryland for reducing the weight of its cookies from 230g to 200g while not lowering the price, while another highlighted that Cadbury had swapped its 180g chocolate bar for a 160g version. A bunch of lilies from M&S, which once comprised six blooms, has now been reduced to four according to one poster, while another cheesed-off Forumite spotted that large nets of Babybel have shrunk from 12 to 10 pieces. Add yours to the shrinking food and other items MSE Forum discussion. We hope you save some money, 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 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 natwest.com, rbs.co.uk, firstdirect.com, chase.co.uk, tandem.co.uk, nationwide.co.uk, sainsburysbank.co.uk, skipton.co.uk, americanexpress.com, santander.co.uk, uswitch.com Financial Conduct Authority (FCA) Note MoneySupermarket.com Financial Group Limited is authorised and regulated by the Financial Conduct Authority (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 MoneySupermarket.com Financial Group Limited. To change your email or stop receiving the weekly tips (unsubscribe): Go to: www.moneysavingexpert.com/tips.