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Archives for January 2007

Holidays
I saved over £300 pounds on a holiday to Margarita with first choice i had 4 quotes 1 from the shop 1 on line and 1 from thompsons and after looking on this site i got 1 from eclipse travel first choices direct sales all these were for the same hol flight and hotel i would never have bothered to check before so thank you…
A testimonial
Just wanted to say that thanks almost entirely to this site I got out of debt totally and have just taken delivery of my new cashback American Express card on which I've just spent my first transaction I'd normally have done with a debit card. So - thanks to all the moneysavers and Martin!
Credit Unions, low cost loans at 1%
Here's a great way of saving cash and getting low cost loans, only 1% on a decreasing balance. No Credit checks, anyone can join, and it only costs £1 membership and two forms of I.D. Use them to pay of the bills that are charging the higher interest and save yourself a fortune. Want to know more just let me know!
Saving on TV/Phone package
Using MSE article of 4th January I have managed to reduce my monthly outlay on phone/TV/Broadband package, with Telewest, by £14.50 per month.:j
MSE in the classroom
Hi everyone Since I join MSE last january I am a complete converted. So much that I am going to start teaching my Sixth Former the art of budgeting. This is were you all can take part. ;) I would be grateful for tips for them, from eating for a quid, to cheapest cd's. Everthing and anything !. I will try to make sense of…
SAVED AROUND £800 FROM PPI in 9months
I had a loan for short while which wanted £90 a month to protect it..i didnt take out the ppi just the loan,but i came on here and found the same cover with pinnacle for ..ready for this??.........£7.81 a month...so i took it out and for the 9 months i had the loan i saved whatever 9 x £82.19 is!!!:eek: cheers
Uswitched
Having lurked for a while I ran down the catgories on the left and followed what I thought were the best options for me. I now have a cashback credit card and an ISA with decent interest but the prize goes to the utilities switch. Read the articles and followed the advice, changed from Scottish Gas and Scottish Power to…
Just saved £175 for mortgage exit fees
Took out a endowment mortgage in 1989,I then changed it to a repayment in 2003 having been informed that I had a case for miss-selling. I was informed by my solicitor in Nov having sold my property and purchasing another than we will incur a exit fee of £175. This is the first we had heard of this, and we were in fact told…
christmas
thank you everybody:j This year i saved around £150 for christmas and the OH birthday which was a couple days before. Hoping to save even more money in the future and pay off my loan :T !
My first anniversary
It's a tad over a year now that a friend of mine forwarded me Martin's monthly email. I haven't precisely totted up how much I have since saved with the help of MSE, but it is in the hundreds on items such as insurances, phone bills and purchases of appliances etc. It's amazing how much bang up-to-date information is…
Spreadsheet Software
A thank you to Martin. I was in need of some spreadsheet software and so, on his advice, downloaded OpenOffice thinking this would be quite a basic package, but would have been satisfied with that. From what I have seen of it so far, it's excellent and suits my needs. It's saved me quite a bit of money. Not the biggest…
2007 Savings Record
One of my many New Year Resolutions (most of which are already broken) is to keep a record of my savings. :) Week One: Saved £15 off a £30 clothing shop using Tesco Clothing Vouchers Had £26 line rental rebate after changing my phone company to Post Office Home Phone last year. Saved at least £17 off nursing bras in the…
new year- new savings :)
Since the start of 2007 I have moved some debts to get a lower interest rate, got a renewal on my phone contract, free phone, they are paying this months bill, plus 9 months half price, today I got my broadband for £9.99 down from £17.99, I am walking to town instead of getting the bus, saving at least 60p most days of the…
Inertia versus transaction costs
One of the mantras of this and other money-saving sites is the savings generated by challenging inertia - reviewing and changing utility, credit card, bank etc providers. Probably true enough on paper However, as some of the threads on the forum illustrate there are also hidden costs by being too being a `rate tart' or…
The most popular boards by number of posts (5/1/2007)
The Money Savers Arms = 956,464 posts Quick! Grabbit while you can = 257,028 posts Debt-Free Wannabe = 239,290 posts MoneySaving Old Style = 217,553 posts Freebies (no spend required) Board = 182,367 posts Techie Stuff = 165,062 posts Telephones Board = 153,032 posts Travel, Trips & Holidays = 135,248 posts Shop but don't…
Saved a whopping £400 on car insurance!!
I am a 30 yr old police officer with no points or convictions and for the last two years I have been paying £59 a month to Zurich to insure a 2000 2.3 V5 Golf. Admittedly it didn't help that I paid monthly. I entered my details into confused.com and was amazed to find a quote of £301 with Admiral for fully comp. Thanks to…
Saved £165 on Building & Contents insurance
Hi there Just to let everyone know how helpful this site was when it came to our building & contents insurance. We received the quote of £418 but after browsing this website I was determined not to pay so much and decided to get some other quotes, I would have just stuck with our prvious provider and paid what they wanted…
The most popular chat topics ever (4/1/2007)
Tesco misprices thread thread 6 - please only post misprices here = 583,225 views Tesco misprices thread II - please only post misprices here = 451,276 views GREAT 'WHAT SHOPS DON'T WANT US TO KNOW" HUNT = 449,742 views :money: Pigsback - Free Gifts for Clicks - Newbies Please Read the First Post!!(29/10/2006) = 442,580…
Post of the Month January
Please nominate your most Usefu/Helpful Post of the Month £50 award by replying to this post. Remember, you're nominating, NOT voting - there is a difference! :smiley: Also, please don't lobby to win the prize - as Martin says, it's not cricket! Please include: A. A hyperlink to the specific thread/post - highlight the web…
Martin's top articles read so far this month (3/1/2007)
:money:Martin's top articles read so far this month (3/1/2007):money: Council tax cost cutting = 27,491 read Reclaim unfair bank charges = 20,986 reads The Best Balance Transfers: cut the cost of existing credit card debts = 11,713 reads Cheap Flight: the ultimate air travel and hotel cost cutting = 8028 reads Savings…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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