FREE £175 ends, BIG MoneySaving WINS, free 0% beers, 132Mb broadband £21/mth ends, £2 Whopper, solar batteries - worth it?

Plus... 5 cinema tix £22, car boot tips, £50 toiletries £5, quirky cash-boosters, 5mths' 5% cashback

                                                           

20 August 2024 | View in browser

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

 

THE TOP TIPS IN THIS EMAIL 10 BIG financial WINS to inspire you, eg: - £3,300/yr state pension boost - £21,000 mortgage interest saved - TV & broadband slashed by £1,750/yr Ending. FREE £175 bank switch cash 7 quick/quirky/fun ways to boost coffers Coupons: Free 0% beer, Müller yogurt, Lidl pastries etc A quick favour for our Martin... Ends Thu. 132Mb broadband '£21/mth' 5 Vue cinema tickets £22 New. Get FIVE months' 5% cashback Top car boot sale tips & tricks New. Is solar battery storage worth it? £5 Grüum summer travel set (worth £50) Thu only. £2 Burger King Whopper Hit the car insurance renewal sweet spot to save £100s Hot Diamonds 40% off, eg, £50 ring £30 Hand luggage rules - which airports let you leave liquids in your case? 90 days' free audiobooks & e-books Car crocked by a pothole - are you due compensation? 25% off 6 bottles of wine & fizz This week's best buys, eg, 28mth 0% card, 5% fixed saver, 5GB Sim '£3/mth' Should I keep the perks from my grandma's bank account? BEST BUYS & TOOLS MSE Cheap Mobile Finder Credit Club including free credit report 0% balance transfers Compare broadband deals MSE Compare+ Car Insurance Best bank accounts Top savings accounts Credit cards for bad credit Credit Card Eligibility Calculator Loans Eligibility Calculator Mortgage comparison Compare travel money Cheap Energy Club Best Sim-only deals

Are you sitting on a £10,000+ success? 10 BIG MoneySaving WINS from 2024 (so far) to inspire you, incl... - £3,300/yr state pension boost - £21,000 saved in mortgage interest - TV & broadband bill slashed by £1,750/yr Not a week goes by without huge numbers of you telling us about the heart-warming ways you've used our MoneySaving tips to balance (or boost) the books, play the system, right wrongs and, of course, nab great deals. Yet we can't help but feel many more of you are missing out on similar successes, big or small, without realising it. So hopefully these recent examples will motivate you to follow in their footsteps... PS: If these success stories do inspire you, please tell us how much you saved, made or reclaimed. 1. 'Spending £8,200 on NATIONAL INSURANCE YEARS has bought my wife a £60,000 state pension boost.' This is possibly the single MOST LUCRATIVE thing you can do with your money - if it's right for you. To get the full state pension, you need a full national insurance (NI) record - but if you've gaps in yours, you can usually buy extra years to fill 'em. Temporary rules mean you can buy missing years from as far back as 2006, so anyone aged 40 to 72ish should check now. Our buying national insurance years guide has the full step-by-step to help you decide if it's worth doing. David emailed in May: "Dear Martin & team, a big thanks for reminding me to top up NI. My wife had 10+ years missing. Her pension forecast was £69/wk, but a (large £8,200) contribution to fill the gaps increased it to £132/wk [a £3,280/yr boost, over £60,000 if she gets it for 20yrs] - no brainer!" 2. 'Got a water meter and we now pay £16/mth instead of £60/mth, saving over £500/yr.' On a water meter, you only pay for what you use, rather than paying a fixed bill based on estimated usage depending on your home's size. If you're in England or Wales (there's a different system in Scot and N.Ire), Martin's rule of thumb is... More bedrooms in your home than people, or the same number (eg, three bedrooms, two people)? A water meter is likely to save you cash. Try a water meter calculator to get a better picture. Ursula emailed us her HUGE saving in June after pulling the plug on pricey bills: "I got a water meter fitted as there are only two of us in a three-bed house. We now pay £16/mth instead of £60/mth [saving £528/yr]. Thank you." PS: If you're on a low income or some benefits, check if you can get a social water tariff or help through the WaterSure scheme. 3. 'I saved £1,000/yr in credit card interest using your eligibility calculator to find a 0% BALANCE TRANSFER.' A balance transfer is where you get a new credit card to pay off debts on old ones, so you owe it instead, but at 0% interest for a set time. Yet acceptance is key, so use our 0% Balance Transfer Eligibility tool, which shows the top cards you're most likely to get before you apply. In June, Trevor emailed: "Hi Martin & co. I was paying £300 for two credit cards, costing me £76/mth interest. I took out a balance transfer deal with £5,299 credit and transferred both card balances to it for a £164 fee. With 28mths 0%, I'll have saved a bankroll. Bangin'! Thanks for all the tips, keep 'em coming." [That's a saving of nearly £1,000/yr in interest.] 4. 'My HOME INSURANCE renewal was up by more than 50% - following your tips, I slashed it by £210.' Home insurance prices have soared this year, driven by inflation and the cost of repairs. The key to saving (or at least limiting the rise) here is to NEVER just auto-renew - use our home insurance guide to get quotes and bespoke cost-cutting tips to slice the price down. Jan did so in May: "I recently received my home content and buildings insurance renewal, which had increased by £150 to £420 [a 54% rise]! After about an hour of searching online via your website, I secured a much better deal for £210, saving me £210. Thank you Martin." 5. 'I'm saving £1,746 off my broadband, TV & landline bill after using MSE's HAGGLING TIPS.' The best savings usually come from switching broadband and TV provider, but if you don't want to, haggling with your existing one can help you slash costs, sometimes massively. See full help in our haggling guide. Sam followed our tips to save, and emailed in February: "I had an email to say my contract was ending and my monthly bill would rise from £79/mth to £158/mth. I phoned them and, after haggling with them, my new monthly bill is £61/mth, a saving of £1,746 over the 18mth contact. Bingo!" 6. 'We got a £20,000 refund & our future bills have been halved due to little-known COUNCIL TAX DISCOUNTS.' It's thought that 100,000s of people are missing out on the 'severely mentally impaired' (SMI) council tax discount, which can be awarded if you live (or someone you live with is living) with a condition such as dementia, Alzheimer's or Parkinson's, have severe learning difficulties, or have been impacted by a stroke. Last month, Paul got in touch to tell us that they were due the discount because his son lives with cerebral palsy, and that he and his wife qualified for a further council tax discount because they're both live-in carers. In addition to getting their bill halved moving forwards, Paul said: "We've just received an email from our council, confirming a refund of £19,593. This is backdated to May 2007 - the year of our son's 18th birthday. I'd like to thank everyone at MSE for bringing details of council tax discounts to our attention." PS: In England/Scotland? Is your home in the wrong council tax band? 7. 'I followed your SECTION 75 tips and paid a furniture deposit on a credit card - it meant I could reclaim £2,800.' If you buy something costing more than £100 and less than £30,000 using a credit card, the card company has a LEGAL responsibility to come to the rescue if there's a problem with your purchase. This powerful protection is called Section 75, and it really works. Gael emailed us a couple of weeks ago to say: "Just wanted to thank you... we paid a deposit of £2,800 for furniture from a firm which went bust the next day (what timing!) using a credit card as per the tips you give. Our credit card company was great, all the money was back in our account as soon as the administration was confirmed (a month later)." 8. 'I used your calc and saved £21,000 making MORTGAGE OVERPAYMENTS.' If you've spare cash, your mortgage rate is higher than you can earn in savings, and you don't have other, more expensive debt, overpaying on your mortgage, even by a little, can really add up over the long term. Full help to decide if it's right for you in Should I overpay my mortgage? To whet your appetite, Lucy emailed in January to say: "We used your mortgage overpayment calculator back in 2017 and began to pay an extra £1,000/mth. Exactly 11 years after getting the mortgage, we made the final payment and cleared it, having saved over £21,000 in interest and 14 years of payments. All because we used your calc, played around with the numbers and stuck to it. Thanks!" 9. 'I got the max possible £1,040 FLIGHT CANCELLATION COMPENSATION.' While most flights go to plan, a minority don't, with travellers suffering the impact of delays and cancellations. Yet many are unaware of their legal right to claim between £110 and £520 in compensation each if the airline is at fault. That's ON TOP of any refund, alternative flight or food reimbursement. Our flight delay and flight cancellation guides have full help, including template letters. It worked for MSE Forumite steve111s, who posted in April: "We were due to fly from Miami to London but got a text on the way to the airport cancelling the flight. We put a claim in but got denied twice on the grounds of 'aircraft damage'. After a bit of hunting around, we found a legal test case which contradicted the airline's position. After seeing that, it had no choice and paid out in full, totalling £1,040. Thanks." 10. 'A quick DIRECT DEBIT AUDIT saved me £1,000/yr.' While Direct Debits, standing orders and recurring payments are often a valuable tool to ensure crucial bills are paid, if you don't check them often enough you could be wasting £100s on products and services you no longer want or use. Even if you don't think you're one of them, it's worth a quick 5-min Direct Debit check, like Sarah who emailed in Feb: "I've just reviewed my Direct Debits, prompted by MSE, & saved just over £1,000/yr. I used to work for a bank & assumed I'd find no savings, but the review was well worth it. Thank you."

 

 

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.

 

 

 

Just two free cash offers remain... now's the moment to GET PAID to switch bank - Ending. FREE £175 upfront cash + extras - Ending soon? FREE £100 upfront + £15/mth for 6mths Bank switch offers tend to be on-again, off-again and - with two free cash deals having already ended in the last month, and at least one of the remaining two soon following suit - we could be heading towards another off-again spell. So if you're looking for some easy extra cash in your pocket, it's time to take your pick. Switching's usually quick & easy. To get free cash, you need to go via the bank's seven-working-day switch service, which closes your old account and auto-moves your balance, standing orders & Direct Debits. Once done, any payments to your old account are auto-forwarded. You'll also need to pass a not-too-harsh credit check. Full info in Best bank accounts, but in brief... Ending. Barclays FREE £175 cash, plus extras, eg, 5.12% saver, Apple TV+. Switch bribes from Barclays* aren't common - great news for regular switchers, as it means many won't fall foul of the 'new customer' rule. You'll need to go quick though, as it ends on 30 August and there are a few steps involved... - How to get it: To get the £175, go via the link above to open a sole account (no joint accounts) via Barclays' app, start a switch from another bank including 2+ Direct Debits, join the 'Blue Rewards' scheme & pay in £800+, all by 30 August. You can't have had switch cash from Barclays before, or an account with it since 8 July 2024. Blue Rewards costs £5/mth (min pay-in £800/mth), but you need only be a member for a month to get the £175. After that, whether to ditch depends on if you think free Apple TV+ (normally £8.99/mth), free Major League Soccer streaming (normally £12/mth) and access to 5.12% savings (max £5,000) are worth a fiver. Note: though Blue Rewards currently pays £5/mth cashback for having 2+ Direct Debits, this is being scrapped next month. Ending soon? TSB FREE £190 cash: £100 upfront + £15/mth cashback for six months + a reward of your choice. There are a few hoops to jump through, but maxed out, this TSB Spend & Save* switching deal is worth £190, plus a possible extra bonus in April 2025 - choose from perks including six Odeon cinema tickets, a 6mth Now Entertainment membership, or a one-night hotel stay for two. We don't know when this deal will end, but the last couple of TSB switch offers didn't last long, so best to grab this one while you can if you want it. - How to get it: Open the account (online, via app or in a branch) and switch in an account from a different bank within 21 days. Then, by 27 Sep, spend on the debit card 5+ times and log in to the mobile app. You can't have had a switch bonus from TSB since Oct 2022. For the £15/mth cashback, spend on the debit card 20+ times in each of the first six months (you could split your shopping up to make it count). Do this again in March next year and you'll earn the extra reward in April. Yes - you CAN repeatedly switch to make £1,000s. It takes work and you need to follow our make £1,000s by repeatedly switching banks guidance, yet there's a growing tribe of bank-profiteers who do it, such as David, who emailed to say: "I've switched several times and made £1,050 so far - the easiest money I've ever made, thank you so much." Can switching bank affect your ability to access credit? In the short term, yes. It's a credit application, so that has an impact, but also lenders like to see evidence of stability. It usually isn't a big deal, but if you've an imminent, important credit application due (eg, a mortgage), it's probably best holding off. More in how switching banks affects your credit.

 

Free £5 Heineken 0.0, free £1.35 Müller yogurt, 'free' Lidl bakery items & more. See 50+ August coupons. A quick favour for our Martin...  He's off, but it's just been announced he's in the finals in two National Television Award categories, so if he's helped you save, as there's still competition please vote for Martin on page 6 for his show (factual ents) and page 10 (top TV expert) - then do pls click through to the end or it won't count. A win would reinforce with broadcasters how important consumer journalism on prime-time TV really is. Ends Thu. 132Mb Virgin broadband '£21/mth'. MSE Blagged. Switchers in 60% of UK homes can get this Virgin 132Mb broadband & line deal for £26.50/mth plus an automatic £100 bill credit, making it equivalent to £20.95/mth over the 18mth contract. Can't get Virgin? See MSE's broadband comparison for other options. 5 Vue cinema tickets £22. For screenings up to 3 Oct - and you don't need to use them all at once. Cinema savers New. Get FIVE months' 5% cashback (max £125) on all spending via Amex intro boost - great if big purchase due. Cashback cards pay you to spend on them, and the best from a fee-free card is the Amex Cashback Everyday's 5% intro offer. It's currently boosted to pay this for the first 5mths (up from 3mths) and on a max £125 (up from £100). It then pays up to 1% after. So do all your normal spending on it, just ensure you pay it off IN FULL each month to avoid interest (& don't withdraw cash or bust the credit limit). To get any cashback, you need to spend £3,000+ in a year, so only do it if you'll hit that. Eligibility can be tricky, but our link takes you through a checker. Full info in Credit card rewards. Car booting this bank holiday weekend? Read our tips before you pack the car. MSE Jenny H has updated her mega-popular blog to help you max the cash, including some boot-iful ideas from the MSE Forum. Car boot tricks New. Is solar battery storage worth it? If you've solar panels, it can make financial sense to store generated electricity in your home for later use, rather than exporting it to the grid. But batteries are expensive to buy and install - our new guide takes you through what to consider and how the maths could work. Solar batteries Grüum summer travel set £5 delivered (normally £50). MSE Blagged. 20,000 available. Includes an after-sun bar, hair and body wash, face-wash bar and fragrance. Grüum

 

 

BLAGGED FOR MSE - 132Mb Virgin broadband '£21/mth' Ends Thu - Grüum summer travel set £5 (normally £50) 20,000 available - Hot Diamonds 40% off code Ends 27 Aug - 90 days' free access to 1m+ audiobooks & e-books Ends 1 Oct	DID YOU MISS? - Top 5.16% 1yr fix + £100 cashback (if saving £10k+) - 2 pizzas + Ben & Jerry's + Amazon Prime Video rental for £5 - Reclaim lost cash for FREE - £82 BILLION is sitting forgotten - Chase cuts savings rates - should you ditch and switch? - Amazon launches reward credit card - is it worth getting?

 

 

7 quick, quirky or enjoyable ways to put a little extra cash in your coffers Can you bag a FREE £40 Waitrose shop, or get paid £200 to test new games? Our usual focus is on spending less, but after telling you how you can get 'paid' to walk last week, we thought we'd run with the theme this week, and take you through a few other lesser-known ways you can earn (a bit) more. Let's manage expectations from the outset, we're mainly talking tenners here and there, or at best £100s, but hopefully they're enjoyable little earners. And you'll find lots more in both our Make money online and 60+ ways to earn extra cash guides. Updated. Fancy bagging £40 of FREE Waitrose food, or £16 for a quick M&S stock check? It could happen if you choose to take on a mission. Free apps typically pay up to £20/job (sometimes more) to check prices/take photos. Tasks we've seen this week include £7 to check a billboard's condition, £16 to check stock levels in M&S, and even £40 of free Waitrose food for checking its home delivery service. You're competing against others for jobs, so don't get too excited, but you never know. See how to get paid for easy tasks. Got a mountain of mismatched Lego, or a wedding dress gathering dust? Even if you're a seasoned second-hand seller, don't assume there aren't still things lying around at home you could flog for a few bob, eg, sell jumbled up bags of Lego for £3/kg. Or list your old wedding dress online - some MoneySavers have made £500+, though do first find out what it's worth. There's even a market for stuff you'd normally chuck away. Are you a bit gobby? 22 sites that pay for your opinion. Willing to give views on current affairs, electric cars, celebs, washing-up liquid and more? You could turn that in to up to £5 per survey. See our 22 top paid online survey sites. Earn £50 to £200 road-testing NEW video games. Before big new games hit the shelves, firms need to test them out. You'll usually need to go somewhere for a few hours to do it, but it typically pays £50 to £200. See Research-i. Prefer to earn a little bit while playing games on your own phone at home? We've checked out the mobile games that pay you £10s to play them. Quick tips and top apps in Make money playing mobile games (though note it's mostly an Android thing). Earn £40 to £250 in 2hrs via market research focus groups - often via Zoom. Some MoneySavers make £1,000s, so we've compiled 20 top agencies that pay to help you make cash from market research. Get PAID to report derelict homes. Get a £20 Amazon voucher if you're the first to report an empty/derelict home (in Eng & parts of Wales) + possibly a 1% cut of the building's purchase price, if sold. A few have made £1,000s. See YouSpotProperty. PS: We know it's only August, but garden centres, shopping centres etc will soon be looking for Santas and little helpers for their grottos - one of the UK's biggest firms told us it starts recruiting next week. Get paid around £15/hr as the main man, £11/hr as an elf, or £12/hr as a grotto manager. Make cash as Father Christmas.

 

Thu only. £2 Burger King Whopper (normally £6 to £7.50). For 'National Burger Day' - see how to get a £2 Whopper. September's peak car insurance renewal time - get quotes NOW to save £100s. The best time to buy is 20 to 27 days ahead - but even if you've missed this window, the earlier, the better. For our full cost-cutting system, read our car insurance briefing from last week's email. Or, for speed, use our Compare+ Car Insurance tool. Hot Diamonds 40% off code, eg, £50 ring £30. MSE Blagged. Plus free delivery via another code. Hot Diamonds Hand luggage rules - which UK airports let you leave liquids in your case? And is lipstick a liquid? For the latest on liquid rule changes, and whether make-up, Vaseline etc count, see our airport liquids investigation. 90 days' free access to over one million audiobooks & e-books. MSE Blagged. For Bookbeat newbies. Read on One in four vehicles damaged by potholes - can you claim compensation? More than a quarter of drivers say their vehicle's been crocked by poor-quality roads in the last year, according to the RAC - see if (and how) you can recover repair costs in Pothole claims. 25% off six bottles of wine & fizz in supermarkets. Say 'cheers' to the bank holiday. Please be Drinkaware.

 

 

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AT A GLANCE BEST BUYS 0% balance transfers Longest 0%: Barclaycard (check eligibility / apply*) - 28mths 0%, 3.45% fee (24.9% rep APR interest) No-fee 0%: NatWest (check eligibility, NatWest has asked us to link only to our eligibility calculator) - 13mths 0% (24.9% rep APR) Best bank accounts £175 to switch + perks (eg, Apple TV+): Barclays Free £100 + £15/mth cashback: TSB Broadband top picks Ends Thu. Fast fibre (100Mb+): Virgin '£20.95/mth' Superfast fibre (500Mb+): Vodafone '£27.30/mth' On Universal Credit or similar? Check all discounted social tariffs Car insurance Try our Compare+ Car Insurance tool Cheap loans Cheapest for £5,000 to £7,499: Tesco Bank (check eligibility / apply*), 7.2% rep APR (for Clubcard holders) Cheapest for £7,500 to £15,000: Tesco Bank (check eligibility / apply*), 6.1% rep APR (for Clubcard holders) Top savings accounts Top easy access: NatWest Group's Ulster Bank 5.2%, min £5,000 Top one-year fix: Habib Bank Zurich UK 5%, min £5,000 Top energy deals Try our relaunched Cheap Energy Club Cheap Sims Up to 3GB data: Lebara, '£3.10/mth' for 3GB 4GB to 9GB data: Lebara, '£3.20/mth' for 5GB 10GB to 30GB data: iD Mobile, '£4/mth' for 25GB 31GB+ data: TalkMobile, '£4.50/mth' for 50GB

 

THIS WEEK'S POLL Have you had your own MoneySaving success? From haggling to overpaying your mortgage to claiming council tax discounts, we're all for celebrating MoneySaving wins - no matter how big or small. With this in mind, we want to know which of our top tips you've tried and won with. Vote in this week's poll. Most MoneySavers pay for car insurance annually. Last week, we asked you about how you pay for your car insurance - over 5,000 people responded. Nearly 90% said they pay for car insurance annually - avoiding the high interest rates added to monthly premiums. We also asked how much it costs. 52% said they pay between £201 to £400 for 12 months' coverage, though 3% were paying over £1,000. See the full poll results.

 

 

MSE NEWS - Top story: Ted Baker to close ALL remaining stores this week - your refund rights explained - Tesco shopper? You've two weeks to use or extend £14 million worth of Clubcard vouchers - eBay no longer accepts American Express - be careful if you're planning to use PayPal as a workaround - New Winter Fuel Payment restrictions WILL apply to those in Scotland too

 

 

MONEY MORAL DILEMMA Should I keep the perks from my grandma's bank account? My grandma doesn't have a bank account and keeps all her money in cash. Now I've started helping her with her finances, I've set up a bank account in my name and pay her bills from it - she gives me the cash - and I get cashback on the bills and interest on the balance. Each month I transfer money into the account to meet the minimum monthly pay-in, then when I transfer my money back, I also take the interest and cashback too. Is this fair, or should this money go to my grandma? Enter the Money Moral Maze: Should I keep the perks from the bank account I opened for my grandma? | Suggest a Money Moral Dilemma (MMD) | View past MMDs

 

Some back to school competitions... - Win a pair of school shoes - Win a phonics skills starter set - Win a maths subscription box ... from the MSE Forum comping boards - Win a back to school bundle - Win an art and craft hamper - Win £500 of childrenswear

 

 

MSE TEAM BLOG - MSE Forum highlights: Engagement rings, elderly cats & espresso machines

 

 

WHAT WOULD YOU DO WITH RICE WEEVILS? That's all for this week, but before we go... last week MSE Debs had a creepy-crawly conundrum that 'mite' bug you. After she found a rice weevil among the grains in her jar, her instinct was to chuck the rice out (not very MoneySaving!). But when she asked around at MSE Towers, some were critter-cal of this approach, saying she should pick it out and cook the rice as normal. As opinion was mixed, we asked MoneySavers which they thought was the lesser of two weevils - see what they said in our Facebook, Twitter and Threads conversations. 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 barclays.co.uk, tsb.co.uk, barclaycard.co.uk, tescobank.com Financial Conduct Authority (FCA) Note MONY Group Financial Limited is authorised and regulated by the Financial Conduct Authority (FCA FRN: 303190). MoneySavingExpert.com Ltd is a company registered in England and Wales. Company Registration Number: 8021764. Registered office: One Dean Street, London, W1D 3RB. MoneySavingExpert.com Limited is an appointed representative of MONY Group Financial Limited. To change your email or stop receiving the weekly tips (unsubscribe): Go to: www.moneysavingexpert.com/tips.