| New inflation beating savings (6.9% at today's rate)
Urgent! Earn interest at inflation + 50% BUT you must lock up cash for 5 yrs
Inflation can eat savings, as it means your cash doesn't grow enough to keep pace with living costs. In summer, there was a furore when govt bank NS&I withdrew its inflation linked savings, yet now... New inflation beating savings: National Counties Building Soc's Index Linked Savings Bond 2nd issue (min £1,000) pays 1.5 times RPI inflation from 1 Dec - until then it pays 1.46%. Yet you must lock cash away for 5 years. Over that time the risk is inflation could drop radically and interest rates rise. This is a complex account, so read the full MSE briefing before deciding, though be quick, there's limited availability and it's likely to disappear FAST. 1 yr base rate tracker: Alternatively lock money away for a year in Santander's* Tracker Bond (min. £10k), it guarantees to be 2.5% above base rate, so it's currently 3% AER. Top rate easy access: Natwest's* E-savings pays 2.89% AER, inc a year's 1.85% bonus starting in Nov. so be ready to switch again then. Top non-bonus deal is Halifax* Web Saver Extra at 2.6% AER with minor withdrawal penalties. All accounts here have full £50,000 per person UK savings safety protection. FULL info & alternatives in the Guide: Top Savings Related: 3% Cash ISAs, 5% Current Accounts, Safe Savings |  | Top cashback card - LOWER credit scorers eligible
Get 1% on ALL spending. Make £100+ a year - but ALWAYS repay in full
Spend on a cashback credit card and it pays you a little bit back eg, a 1% card means you get £1 back per £100. Over a year that can add up to £100s. The Golden Rule: Always set up a Direct Debit to repay IN FULL each month to avoid interest, then use the card for all your normal, affordable, budgeted spending (within the credit limit) to build up the cashback (it's not an excuse for overspending). New 1% cashback card: Until 31 Oct, accepted new cardholders of Capital One Classic* Visa applying via comparison site Totally Money (this link's via it) get 1% cashback - though credit limits may be low. Who can get it? It says it may even accept some who've missed repayments or had CCJs previously (though no bankrupts) and using one sensibly can help improve your score - yet it's CRUCIAL you always repay in full or the APR's a horrendous 34.9% (if there's any risk don't do it, the interest'd dwarf the cashback). Earn 5% cashback: Amex Platinum* pays a huge 5% on all spending up to £2,000 for the first three months, then tiered up to 1.25%, yet you need household income of £30,000+ and a good credit score to get it and some smaller shops may not accept it. Fail to repay in full and it's 19.9% APR. FULL info, pros & cons in the Updated Guide: Top Cashback Cards Related: Top Cards For Low Credit Scorers, Boost Your Score |  | Over 60s MoneySavers. Major new guide!
40 silver saver tips - freebies, pensions, equity release, quick cash & more
Whether your 60th birthday's looming or long gone, we've put together a checklist of 40 MoneySaving tips including... Hidden discounts: How to nab extra money off in Boots, Specsavers, Focus DIY, B&Q, Odeon & more. Pensions & equity release: Find out when and what you're due, and how to boost the state pension. Plus quick tips on releasing equity. Travel, car & home Insurance: In some categories age adds costs - travel insurance can be a nightmare. Full tips to keep costs low. Claim free cash: There's £1,000s available in home and energy grants especially if you've a lower income, plus free bus passes, prescriptions, TV licences and more. These are just the tip of the iceberg, for FULL info see the New Guide: Over 60s MoneySaving Related: Cheap Gas & Elec, Pension Boosting, Cheap Flights, Free And Cheap Wills |  | | Buddies who like a bargain? Please tell them about this email | | It's (nearly) Christmas time... 25 ways to save
Too soon to celebrate but it's never too early to start planning
Warning! Christmas will be on 25 Dec this year. That may sound flippant, but many blame January skintness on the festive season, as if it were shock expenditure. To beat this takes prior prep, so we've a new guide with 25 pre-Christmas (or Eid or Chanukah) savings, inc. Don't spend Tesco points in store. Too many save Clubcard vouchers up to buy Xmas lunch goodies in store, yet you can up to quadruple their value by redeeming on Tesco Clubcard deals for gifts, days out, mag subscriptions etc. Let your finances rule: Don't first decide what you want eg, massive tree, gifts galore, plasma telly and only then ask 'how will we pay for it?' Instead, work out your budget first and then how to have the best Xmas possible within it. A YEAR's interest in a DAY. Supermarket saving-stamps schemes encourage year-long saving for Christmas, yet they pay bonuses depending how much you've got in on one specific day near the year's end, so simply put cash in the day before to grab the bonus. Free £90 high st. vouchers: Apply for the right plastic now, use for all spending (always repay in full) and you can have £90 of vouchers for M&S, Amazon or more in time for Xmas. Full details & scores more ways to prepare for Crimbo in the New Guide: Christmas MoneySaving Related: Supermarket Stamps, Budget Planner, Cashback Credit Cards |  | | MORE cash for old mobiles - can be £100s
Find your max payer: new mobile recycling site is top for 60 handsets
There are ads everywhere from mobile recycling companies that'll speedily buy good nick old phones from you, but the amounts paid vary per site and handset. This week another contender launched, we've plugged it into our Mobile Valuer comparison tool, and it's boosted the prices for around 60 models. Quickly find max. payer: The MSE Mobile Selling Comparison tool instantly tells you what each of the main sites pay eg, iPhone 3GS 16GB (top price £236), Nokia 5800 (£85) and Samsung F480 Tocco (£26), though for some old handsets of course it's next to nowt. How mobile recycling sites work: Once you agree to sell, it sends a freepost bag, you post the phone, it gives the cash. Get more via eBay: These prices are the highest listed by recycling sites, yet often by flogging an old phone yourself on eBay you can beat the price. though obviously it's more hassle. Full info on MobileValuer.com: Compare Mobile Selling Sites Related: Cheap Mobiles, Haggle Your Mobile Bill |  | | Warning! 2nd cardholders have LESS consumer rights
Pay on a credit card and you've strong rights, but not additional cardholders
As savvy shoppers will know, pay on a credit card for something costing over £100 (eg, flight, kitchen, sofa) and the 'Section 75' laws supercharge your consumer rights, yet there are exceptions. Standard Section 75 rights: Unlike debit cards, cheques & cash - pay in full or part (even just £1) on a credit card and by law the lender's jointly liable with retailers, so you can get money back or repairs from it for faulty goods or if the seller's gone bust - though do repay in full each month, so there's no interest. Additional cardholder restrictions: For 'section 75' to work the contract needs to be a direct one, but an additional cardholder purchase is indirect, so you'd need to show the item had a benefit to the MAIN cardholder. Paypal & travel agents restrictions: Buy via a third party eg, travel agents or Paypal and you've no direct relationship so no S75 protection. Credit Card Cheques: Again here the relationship isn't direct so there's no protection. See the Full Guide: Section 75 Related: Give me my money back, Your Financial Rights |  | |
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