Beat motoring price hikes, free £125, legit £40 PCRs, Shark vacuums £230 off, McD's Monopoly, 1.25% savings

Plus... £1 trains?, £3,800 loan saving, M&S Bank warning, £4.50 school uniforms [MoneySavingExpert]( 25 August 2021 | [View in browser]( [MoneySavingExpert]( [Weekly Money Tips]( [Banking & Savings]( [Household Bills]( [Deals]( [Insurance]( [Cards & Loans]( [Mortgages]( [Income]( [Reclaim]( THE TOP TIPS IN THIS EMAIL [11 motoring MoneySavers to fight accelerating costs, including cheap fuel tool, 2.8% car loans and beat MOT test squeeze]( [Free £100 to switch to Nationwide, or trick to boost it to £125]( ['I saved a massive £3,800 by switching my loan']( [Up to £230 off Shark cordless vacuums]( [Updated. PCR travel tests from £40 - all are legit prices]( [It's back - free food or cash with McDonald's Monopoly]( [Ending. 1.25% easy-access savings via MSE code]( [Mega-cheap train tickets - can you find 'em? Eg, £1 Manchester-Blackpool]( [Warning. M&S Bank closing ALL current accounts next Tue - last chance to switch]( [33 tips to earn cash online, including watching videos, selling pics etc]( [Lidl school uniform set £4.50]( [Save £140 on energy bills with the warm home discount - some can now apply]( [Got kids age 16+? Tell HMRC if they'll continue studying or enter training - or child benefit may end]( [FREE £15 Cake & Bake Show tickets]( [This week's best buys, including 29mths' 0% debt shift, '£12.74/mth' broadband, 12GB Sim '£6.67/mth']( [Should my brother share the money he makes if he sells the coin collection I gave him?]( BEST BUYS & TOOLS [Cheap Energy Club, incl Pick Me A Tariff]( [MSE Cheap Mobile Finder]( [Credit Club incl free credit report]( [0% Balance Transfers]( [Compare Broadband deals]( [Cheap Car Insurance]( [Best Bank Accounts]( [Top Savings Accounts]( [Credit Cards for Bad Credit]( [Credit Card Eligibility Calculator]( [Loans Eligibility Calculator]( [Mortgage Comparison]( [Free online complaints tool - Resolver]( [Compare Travel Money]( [Best Sim Only Deals]( [Petrol prices UP, car prices UP, car hire costs UP - so we've 11 motoring tips to drive down the accelerating strain on your finances]( [Including cheap fuel finder, 2.8% car loans, slash insurance costs and beat MOT test squeeze]( Anyone who drives will know that costs are speeding into top gear. For example: - Petrol prices have risen to an 8yr high, up 21p/L from a year ago. - Average used car prices have risen by £1,000 versus a year ago. - UK car hire prices are up by 84% compared with last year. This is on top of the many warnings that car insurance prices could jump later this year. So if you NEED to run or use a vehicle our [50+ motoring MoneySaving tips]( can help, but here are 11 to avoid getting stuck in a financial snarl up... - [How to find cheap fuel in your area in MSE's cheap petrol and diesel guide]( a handy tool to beat rising fuel costs by finding the cheapest petrol and diesel near you in seconds. The AA and RAC tell us petrol prices are at an eight-year high and diesel prices are at a near three-year high. But you can put the brakes on these soaring costs by picking a cheaper filling station - for example, we found that in Durham on Tue prices ranged from 130.8p/L to 142.9p/L. Speedily [find the cheapest forecourt near you](. - Check your car is compatible with the new greener unleaded petrol that'll be on most forecourts from next week. Little-known Government rules in England, Scotland and Wales mean forecourts need to sell greener 'E10' petrol as standard by 1 Sept. Yet 600,000 older vehicles aren't compatible and will have to switch to pricier super-grade fuel. For those whose cars can handle the new petrol, the underlying price is the same, but while it's greener overall, you may need to fill up more often as it's less efficient. See full[new greener petrol help]( including how to check if your car is affected. - Save £100s if you're buying a car by getting the best finance deal. It's always been cheaper to buy a used car rather than new, but average used car prices are up by £1,000+ since this time last year, according to many car firms. That's because a shortage of new cars has pushed buyers into the used car market. So while your new set of wheels may cost more (though always try to haggle), at least make sure you pay the cheapest way. Using savings works out best as there's no interest to pay (and savings rates are so poor anyway). But many can't afford that. So next best option is usually (in order)... - A 0% spending credit card. If the seller takes credit card, see if you can get a [0% card](. Credit limits vary by person, so put as much as you can on card, and if you need more, try these options. - A personal loan from 2.8%. Rates tend to be lower than those on specialised car finance packages (but you get less flexibility with a loan). See full help and options in [Cheap Car Loans](. - Specialised car finance, eg, PCP. These can work well if you're planning to trade up to newer models regularly, you don't want the car for years and years, or you can't get a cheap loan. Yet they also come with pitfalls. See [Cheap Personal Contract Purchase]( and our [other car finance]( guides for pros and cons. Of course, higher prices are better for sellers, so it's not a one-sided story. - [Find your cheapest cover in MSE's cheap car insurance guide]( NOW if you can save on your car insurance even if not at renewal - as prices are set to rise. You can often cut £100s off your car insurance costs simply by comparing prices a few weeks before your renewal is due rather than sticking with the same insurer. Prices for newbies are at the lowest they've been for seven years, yet we expect them to rise over the next few months, as insurers prepare for a shake-up that means they'll have to offer new and existing customers the same prices from Jan 2022. So now is a sweet spot for EVERYONE to check if they can save - even if not at renewal. Full info in [Cheap Car Insurance]( here are the basics: - Not at renewal? Follow the tips below to check new policy prices. If savings are big, you can cancel your policy, and provided you've not claimed, you'll get a pro-rata refund if you paid upfront, minus a £50ish fee. However, you won't earn the year's no-claims bonus. See [switching mid-year help](. - Buy 23 days ahead of the day you need the insurance to start to save £100s. Our research shows average savings of £500 compared with getting it the day before - [see why](. - Combine comparison sites to find your cheapest cover. Try a few as they don't cover the same insurers, nor give the same price for the same insurer. Our current order is: 1) [Confused.com*]( 2) [MoneySupermarket*]( 3) [Compare The Market*]( 4) [Gocompare*](. (Why? See [comparison order]( - Try insurers and hot deals comparisons miss. Check if biggie [Direct Line*]( can beat your top quote, as it isn't listed on comparisons and can be competitive for some. Also see [deals comparisons miss]( such as a £60 shopping voucher. - Also use these counter-logical tricks. Use trial and error to see if [comprehensive cover beats 3rd party]( check if insuring [extra, responsible drivers]( can slash costs, and see if legitimately [tweaking your job description]( can also cut the price. - If you've an electric vehicle, a clever checker lets you search for free charging. See [free electric charging](. - Save up to 30% on fuel... by driving less like Lewis Hamilton. For example, accelerating gently and slowing gradually (where possible) uses less, as does streamlining your car and turning off the air-conditioning when not needed. See [13 tips to help you guzzle less](. - Save up to two-thirds on rocketing car hire prices by booking early. Plus don't fall for costly insurance upgrades. It's not just cars you own that've got more expensive to run, cars you rent are also more expensive - whether to use at home or abroad. For example, as more people are holidaying here, UK firms have hiked costs due to demand and to try to make up pandemic losses, leading to prices being 84% higher than this time last year, according to car hire excess insurer iCarhireinsurance.com. Yet you can fight soaring costs here too. Booking early saves up to two-thirds, and buying standalone excess insurance usually costs about £2 a day, compared with up to £25 a day via hire firms. See [Cheap Car Hire]( for more cost-cutting tips. - [MSE's cheap MOTs guide]( due soon? Arrange a test NOW as there's a booking backlog. You could be fined £1,000 if you drive without a valid certificate. The Driver and Vehicle Standards Agency tells us seven million tests are due in Sept and Oct - 1.3 million more than in the same period in 2019, as some were delayed by the pandemic. The AA says test centres are already 'feeling the strain'. And we've tips to find cheaper tests and help you minimise fails in [Cheap MOTs](. - Warning. Some petrol pumps now (temporarily) take £100 off your card, even if you spend less - what you can do. Garages may authorise this on your card at self-service pumps to check you can afford the fuel, yet some MoneySavers have reported waiting days for the difference between the £100 and what they spent to be returned. info, help (especially if it means you can't pay bills as a result) and how to avoid this in [Fuel pumps alert](. - Check you've taxed your motor - if not, you risk a £1,000 fine. More than 600,000 people are driving untaxed, risking a fine or having their car impounded. See [how to check if you've paid vehicle tax](. - Cut your car costs... by not using a car. The average length of a car trip is 8.4 miles. Think before you get behind the wheel - could you walk, cycle or get public transport? Check out our [12 MoneySaving tips for cyclists]( and, while trains can be expensive, we've ways to [cut train costs]( plus can you find [£1-£5 train tickets]( 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](. [There's a new bank switch bribe in town]( [Free £100 to switch to Nationwide, or boost it to £125 if you're an existing customer (or via our nifty trick)]( [See MSE's best bank accounts guide for info on Nationwide's free £125 switching incentive]( biggest bank cash bribe in 18 months ended last week - a free £140 from HSBC - but Nationwide was quick to fill the void. Its offer is slightly less generous but it's well-rated for service and, unusually for a switch bonus, its 16 million+ customers are eligible - in fact, most of them can actually get a bigger bribe. So it's another good option if you're fed up with your bank or just want a freebie. And as we always say, switching is easy as the new provider moves all payments for you and closes your old account - and it's all done in seven working days. Nationwide's free £100 or £125 to switch. It's available on three of Nationwide's current accounts, but we've focused on [Nationwide FlexDirect*]( as it has the best perks of its free accounts. You get: - A free £100 or £125 (see below for info) - paid within 10 days of the switch. - A 1yr 0% overdraft (39.9% EAR variable after) - the limit is based on your credit record up to a max £2,750. - 2% AER fixed savings interest on up to £1,500 in year 1 (then 0.25% AER variable) if you pay in at least £1,000/mth. - Decent service - Nationwide was rated 'great' by 67% of respondents in our July bank customer service poll. To get all that, open the account (passing a not-too-harsh credit check) and switch in a current account from another provider using its official online switch service, including 2+ direct debits. The switch must complete in 30 days. How you apply and what bonus you can get is based on whether you're already a Nationwide customer... - Not got a Nationwide current account, savings account or mortgage? Bag £100 if you want to keep it simple. If so, anyone can use this [FlexDirect link*]( to apply & switch from another provider. - Got a Nationwide current account, savings account or mortgage? Get a boosted £125. Here's how... - Already got a Nationwide FlexDirect, FlexAccount or FlexPlus current account? If you also have a current account with another firm, switch it into your Nationwide account - select 'Switch to Nationwide' in online banking (not the app). - Got a Nationwide mortgage, savings or different current account? Open the [FlexDirect*]( account online and switch in a non-Nationwide current account. - Trick for anyone to get £125, and bag a good savings account. Don't already qualify for the £125? Try this... - Step 1: Open a Nationwide savings account with £1+. The standout is its [0.45% AER variable easy-access deal*]( which is the top easy-access savings rate from a high-street firm (though you're limited to three penalty-free withdrawals a year), though it's beaten by [other savings accounts](. - Step 2: In a few days you become eligible for the £125. Once you've held the savings account for at least a day (note it can take a few days to open), you can apply for the [FlexDirect*]( account and switch in a non-Nationwide current account. - Step 3: Keep the savings account open with £1+ till the £125 comes. Though it's a decent savings account anyway. See [Best Bank Accounts]( for more help & deals, including how to get the bonus on Nationwide's [FlexPlus account]( which offers £500+ of travel, mobile & breakdown cover for £156/yr. Or, Virgin Money offers switchers a £150 experience day voucher. [Up to £230 off Shark cordless vacuums, including basic model £170 (normally £200), high-end £250 (£480).]( MSE Blagged. Via codes on three models. 8,000 avail. [Jaws-ome deal]( [Updated. Find PCR travel tests from £40 in our guide - which only lists real prices (unlike some).]( The Government's admitted its site has displayed some wrong prices as a few firms misled it about true costs. While we can't vouch for providers' service, our guide has only ever included real prices and we've triple-checked it again to ensure none listed are playing games. Plus we've added more options this week. See [Cheap Covid tests](. [It's back - free food or cash with McDonald's Monopoly.]( We've tips to [boost your chances](. Please eat responsibly. [Ending. 1.25% easy-access savings via special MSE code.]( It lets newbies who apply before 11.59pm on Tue 31 Aug earn 1.25% on up to £10,000 via autosaving app Chip, almost double the top normal 0.65% easy-access rate. Yet this is far from a normal account, so read our [1.25% savings explainer]( first. [Mega-cheap train tickets - can you find 'em? Eg, £1 Manchester-Blackpool, £5 York-Newcastle.]( There are 1m one-way fares for £1 on some Northern routes and 200,000 one-way tickets from £5 on LNER, for travel from 6 Sep-mid Oct. [Cheap train sales]( [Warning. M&S Bank closing ALL current accounts next Tue - last chance to switch.]( You need to start a switch by 31 Aug. If you do nothing, the account will be closed - see full [M&S Bank help](. BLAGGED FOR MSE - [Up to £230 off Shark cordless vacuums via codes]( 8,000 available DID YOU MISS? - [Secret Amazon bargains, eg, 'I saved £90 on a pressure washer']( - [FREE 500ml bottle of Coca-Cola]( - [£7k council tax back, £22k comp win & more inspiring successes]( - [13 charity shop tips, including finding designer clobber]( - [Ends today (Wed). 2p Walkers crisps via 10% off code]( ['I saved a massive £3,800 by switching my loan']( [What a result. And with near record low rates, if you've a loan, can you save £1,000s too?]( We hoped to inspire others with the 15 big MoneySaving successes we featured in this email two weeks ago - which included a £1,800 loan-switching saving, where you use a new, cheaper, loan to pay off an existing one. And boy did it work for Nicola, who took it to a new level. She emailed: "Thank you so much for your loans tip - just saved £3,788 by switching my loan. As a single mum this is massive." With rates as low as 2.8%, EVERYONE with loan should use our system to check if you can follow in Nicola's footsteps... - Call your lender for the settlement figure to clear your current loan. This is the amount you'd need to borrow on the new loan you'd switch to. It's the remaining debt plus any early settlement charge (max 2mths' interest). - Find YOUR new top rate for the amount needed to clear your current loan. The best-buy table is below, but always use our [Loans Eligibility Calculator]( first. This shows which of the cheapest loans you're most likely to be eligible for (it does a 'soft search' of your credit report, so doesn't affect your ability to get credit in future). The UK's cheapest personal loans (over 1-5yrs unless stated) £7,500 - £15,000 [M&S Bank*]( (1-7yrs), [Cahoot*]( and [MBNA*]( 2.8% rep APR. Or [£7,500 - £15,000 eligibility calculator]( £5,000 - £7,499 [Sainsbury's Bank*]( (if you've had a Nectar card for 6mths+) 3.3% rep APR, [Virgin Money*]( and [Tesco Bank*]( (1-3yrs) 3.4% rep APR. Or [£5,000 - £7,499 eligibility calculator]( £3,000 - £4,999 [AA*]( 8.2% rep APR for members (otherwise 8.3%), [Post Office*]( 8.3% rep APR. Or [£3,000 - £4,999 eligibility calculator]( Under £3,000 A [money transfer credit card 'loan']( is likely cheaper. It pays cash into your bank, so you owe it instead, but at 0% interest for up to 18mths, for a 3%-ish fee. Though if you prefer the structured repayments of a loan, use our [sub-£3,000 Cheap Loan Finder]( to find your cheapest. Note: Rates are 'representative APR', so only 51% of those accepted need to get 'em - others may pay more. You're usually only told after application, so check. Even our eligibility calculator mostly has to work with rep APRs, so high chances don't always mean cheap rates. Though we've been working to change that and a few lenders now give certainty. - The BIG reveal: check if you can save. Plug the old and new loan details into our nifty [loan-switching calculator](. If you can save, apply. If accepted, use the new loan to pay off the old one. - Follow the Loan Golden Rules. Full info & options in [Cut existing loan costs]( ([APR examples](. a) This is about switching loans. Don't be tempted to borrow more just because rates are so low. b) Pay on time (ideally by direct debit) or you may be charged a late fee and have a missed payment on your credit report. Though if you can afford to, it's better to overpay so you clear the loan as quickly as possible. [Have a profitable bank holiday with 33 tips to earn cash online, including watching videos, selling pics and doing surveys.]( Make use of that extra spare time this weekend with our [Legit ways to make money online](. [Lidl school uniform set £4.50.]( Plus Aldi, Matalan and M&S offers, but stock's limited. [Cheap uniforms]( [Save £140 on energy bills with the warm home discount - some can now apply.]( It's for people on certain benefits - see which suppliers already let you apply: [2021/22 warm home discount](. [Got kids age 16+? Tell HMRC if they'll continue studying or enter training - or child benefit payments may end.]( You must do so by Tue 31 Aug. See [child benefit help](. [FREE £15 Cake & Bake Show tickets (for London, 1-3 Oct).]( 7,500 pairs available. [Cake & Bake]( Tell your friends about us They can get this email free every week [FORWARD](mailto:?subject=MoneySavingExpert%20weekly%20email&body= [SHARE]( [TWEET]( AT A GLANCE BEST BUYS [0% balance transfers]( Longest 0%: Sainsbury's Bank ([check eligibility]( / [apply*]( up to 29mths 0%, 2% or 3% fee - min £3 (21.9% rep APR interest) No-fee 0%: Santander ([check eligibility]( / [apply*]( 18mths 0% (20.9% rep APR) [Top energy deals]( Cheapest deal + top service: [Igloo Energy variable, save £199/yr]( Cheapest two-year fix: [Sainsbury's Energy 2yr fix, save £139/yr]( Want us to help you pick a tariff and switch you yearly? Try [MSE Pick Me A Tariff Every Year]( Assumes typical use vs the new price cap from 1 Oct. Links go via Cheap Energy Club. [Top savings accounts]( Top standard easy-access: [Tandem 0.65%, no min deposit]( Top one-year fix: [Tandem 1.38%, min £1]( [Car insurance]( Get comparison site quotes in this order: - [Confused.com*]( - [MoneySupermarket*]( - [Compare The Market*]( - [Gocompare*]( [Cheap loans]( Cheapest for £5k-£7.5k: Sainsbury's Bank ([check eligibility]( / [apply*]( (3.3% rep APR interest, must have had a Nectar card for 6mths+) or Virgin Money ( [check eligibility]( / [apply*]( (3.4% rep APR) Cheapest for £7.5k-£15k: M&S Bank ([check eligibility]( / [apply*]( (2.8% rep APR) [Broadband top picks]( Standard (10Mb+): [Plusnet, equiv £12.74/mth]( Fibre (30Mb+): Energy, equiv £15.74/mth]( Superfast fibre (55Mb+): [Vodafone, equiv £18.46/mth]( [Best bank accounts]( New. £100 to switch (or £125 for existing customers): [Nationwide]( £150 experience day gift card to switch: [Virgin Money]( [Cheap Sims]( Up to 3GB data: [Lebara, equiv £4.29/mth for 3GB, unltd mins & txts]( 4GB-9GB data: [Lebara, equiv £5.17/mth for 5GB, unltd mins & txts]( 10GB+ data: [Three, equiv £6.67/mth for 12GB, unltd mins & txts]( CAMPAIGN OF THE WEEK [Should over-50s get free, automatic pension guidance?]( Government service Pension Wise offers over-50s free pensions guidance appointments - but most don't take advantage, leaving them vulnerable to poor financial decisions. Now a coalition of four organisations (retirement financial services provider Just Group, plus charities Age UK, Independent Age and Macmillan Cancer Support) has set up a campaign website called Good Guidance Now, calling for Pension Wise to automatically give free appointments to over-50s to encourage take-up. The Department for Work and Pensions (DWP) is consulting on pensions guidance rules, and Good Guidance Now can [help you send a template email]( to the DWP to express your support (if you want to). THIS WEEK'S POLL [Do you risk going on holiday without travel insurance?]( For years we've emphasised the importance of getting travel insurance ASAB - As Soon As you've Booked - so you're covered if you need to cancel before you go. That message still stands, and with holidays back on the cards for many, whether you're going abroad or staying in the UK, we want to know if [you risk going without travel insurance?]( Cuckoo takes the broadband customer service crown. In last week's poll, small firm Cuckoo came top in our poll among providers with 75+ votes, with 98% of its customers rating it 'great'. It just edged out Zen, which was 89% 'great'. Plusnet was best of the biggies at 47% 'great', while Virgin took the wooden spoon with 58% rating it 'poor'. See full [broadband poll results](. MONEYSAVING NEWS - Top story: [Coronavirus 'traffic light' travel update due this week]( - [Mastercard £14bn class action case given green light to go ahead]( - [Train passengers could be hit with the largest fare rise in a decade]( - [Post Office customers can now pick up DPD deliveries from 250 branches]( MONEY MORAL DILEMMA [Should my brother share the money he makes if he sells the coin collection I gave him?]( During my childhood I collected old and rare coins. I eventually lost interest and gave the collection to my younger brother, and as far as I know he's never added to it. I've now discovered some of the coins are very valuable. My brother's mentioned he's considering selling the collection - if he does, should he share the money he makes with me? Enter the Money Moral Maze: [Should my brother share the money he makes if he sells the coin collection I gave him?]( | [Suggest an MMD](mailto:%20mmd@moneysavingexpert.com) | [View past MMDs]( MSE TEAM APPEARANCES (SUBJECTS TBC) Sat 28 Aug - BBC Radio Leicester, Mid-morning with Summaya Mughal, from 11am Mon 30 Aug - BBC Radio Manchester, Drive with Phil Trow, from 2.20pm Tue 31 Aug - BBC Radio Berkshire, Mid-morning with Sarah Walker, with MSE's Guy Anker, from 11.35am Tue 31 Aug - BBC Radio Cambridgeshire, Mid-morning with Jeremy Sallis, from 12.40pm 'I GOBBLED UP A £25 TURKEY JOINT FOR £1.30' - YOUR TOP YELLOW-STICKER DISCOUNTS That's all for this week, but before we go... we often talk about yellow-sticker discounts as a way of saving cash and waste, so it was great to hear of the bargains our Twitter followers recently bagged at the supermarket. There's nothing fishy about the MoneySaver who enjoyed £8.50 of M&S sushi for just 85p as it neared its sell-by date, while another gobbled up a £25 Morrisons turkey joint for £1.30. Others have been using their loaf to pick up bread for just 5p at their local stores before it was thrown out. Let us know [your best yellow-sticker finds]( in our MSE Deals Twitter post. We hope you save some money, stay safe, 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 16 million users each month and about 7.5 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 OBE 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](. 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