Feel so alone

elsien

Ref the reward account, that comes to £180 per year. You can get car assistance cover for less than that, so unless there are some other additional benefits to the account, I'd still consider looking elsewhere for the roadside assistance.

Edit - sorry, just seen about the mobile and holiday insurance as well. Might still be worth doing a comparison just to double check.

Popstess

elsien wrote: »

Ref the reward account, that comes to £180 per year. You can get car assistance cover for less than that, so unless there are some other additional benefits to the account, I'd still consider looking elsewhere for the roadside assistance.

Edit - sorry, just seen about the mobile and holiday insurance as well. Might still be worth doing a comparison just to double check.

Oh god yea! And even if I did get my £5 back its still £120 right need to look into roadside assistance elsewhere. I'm not too bothered about mobile insurance now as I think my excess is now more than what my phones worth and I won't be going on holiday any time soon so think I've just talked myself out of it. Thank you

elsien

If you've got a bit of an old banger, just check how many call outs they allow in a year before they start charging, or any other rules around this.

Starting point for you here.
http://www.moneysavingexpert.com/car-insurance/breakdown-cover

Depending on how much money gets paid into your current account every month, and if you can be bothered with the hassle, have you looked at switching current accounts? You can get cashback for switching and the halifax reward account (for example) also pays a fiver a month if you pay in a certain amount and have direct debits going out from the account. That's just one example, there are others that might be better suited to you. I would guess though that they compensate with the overdraft fees, so if you think you might dip into the red you'd need to take that into account before deciding whether a switch is worth it.

Popstess

elsien wrote: »

If you've got a bit of an old banger, just check how many call outs they allow in a year before they start charging, or any other rules around this.

Starting point for you here.
http://www.moneysavingexpert.com/car-insurance/breakdown-cover

Depending on how much money gets paid into your current account every month, and if you can be bothered with the hassle, have you looked at switching current accounts? You can get cashback for switching and the halifax reward account (for example) also pays a fiver a month if you pay in a certain amount and have direct debits going out from the account. That's just one example, there are others that might be better suited to you. I would guess though that they compensate with the overdraft fees, so if you think you might dip into the red you'd need to take that into account before deciding whether a switch is worth it.

It's Halifax who I'm with at the moment but I've never benefitted from the £5 because I've always been in the overdraft
I'm considering switching to first direct I think it was called. I saw it on here apparently £150 cash back when you switch and has good reviews on here.

Popstess

elsien wrote: »

If you've got a bit of an old banger, just check how many call outs they allow in a year before they start charging, or any other rules around this.

Starting point for you here.
http://www.moneysavingexpert.com/car-insurance/breakdown-cover

Depending on how much money gets paid into your current account every month, and if you can be bothered with the hassle, have you looked at switching current accounts? You can get cashback for switching and the halifax reward account (for example) also pays a fiver a month if you pay in a certain amount and have direct debits going out from the account. That's just one example, there are others that might be better suited to you. I would guess though that they compensate with the overdraft fees, so if you think you might dip into the red you'd need to take that into account before deciding whether a switch is worth it.

Thank you for that link! What a plonker I've been, definitely going to cancel my ultimate reward current account and take out the Rac cover.

Can anyone help me with a question about cash back sites? Do I have to use a of or laptop for them to work? I mainly use my phone or iPad to buy things ca I still use cash back sites I remember a while ago trying to use quid on through my phone but it wouldn't work

Popstess

I am slightly worried though as my ultimate reward acc lets me use an overdraft of up to £300 for free so but concerned about giving that up

selloptape

There's a website where you can check your benefit entitlement and this includes tax creds - entitledto.co.uk

You might be affected by the govt changes to these (mine are stopping from next April) so might be worth checking that too so you can budget for it.

Good luck

Justice13075

Yes you can use your ipad or phone. Just go into google and type topcashback.co.uk or Quidco.com

Popstess

selloptape wrote: »

There's a website where you can check your benefit entitlement and this includes tax creds - entitledto.co.uk

You might be affected by the govt changes to these (mine are stopping from next April) so might be worth checking that too so you can budget for it.

Good luck

Thank you I'll have a look at that, although I'm not getting my hopes up as I think they are correct.

Popstess

Justice13075 wrote: »

Yes you can use your ipad or phone. Just go into google and type topcashback.co.uk or Quidco.com

Great maybe they've changed it but I remember quid I would never register the payments through my phone