Your weekly money saving deals and news from money expert Andy Webb
My top content this week
BLOG & ARTICLES
Nectar & Sainsbury’s bonus point offers changing for some customers
I broke this story on Wednesday morning revealing that the usual weekly offers on the Nectar app to earn extra points at Sainsbury's are set to change.
Right now only some customers are missing the offer, and some are beginning to see different deals. Find out about what's happened here.
Santander 123 vs Santander 123 Lite
Fancy cashback on your bills? Of course you do. But last week saw yet another change to the Santander 123 account (the third or fourth in 18 months). It means this account and its sibling 123 Lite are very different from what most will be familiar with.
So I've taken a look at just how much money back you're likely to get on your bills. Is it still worth having either of these? Find out.
How to search price history and know if you’re getting a good deal
I hate offers and discounts that aren't really saving you any money. But how do you tell?
Well, I use price history tools to work out whether the price now is better or worse than previous prices. Here's how you can do the same.
YOUTUBE
Should you chase the best interest rates?
When rates drop, it makes sense to move your money to a better paying account. Right? Well, yes if it falls by 1%. And probably by 0.5%. But what about smaller cuts?
I've taken a look at how much interest you'll likely make by moving savings for amount such as an extra 0.1%.
Plus I've shared the best places to put £1,000, £5,000, £10,000 and £20,000.
Ask Andy #9
Every Thursday I'm live on YouTube, Instagram and in the Facebook group to answer your questions.
Catch up with last week's episode here, looking at changing Amex cards, Club Lloyds vs Halifax Rewards, Pingit replacements, avoiding impulse spending and more.
CASH CHATS PODCAST
As always, there are two episodes for you this week.
#187: Listener survey results, current account & savings news, and answering your questions
Did you know Cash Chats is in the top 1.5% podcasts in the WORLD? It blew my mind when I discovered this.
In this latest episode, I answer your questions, give an update on the latest bank and savings news and reveal the things you'd like me to cover on the show.
#186: Your Money, This Week
Money Saving Expert's Assistant Editor Helen Knapman helps me look back at the top money news stories from the week, including:
- Clone scam warning
- StepChange’s annual debt stats
- Mortgage prisoner news
- Virgin Media & O2’s merger
- & more
You can listen to both via all the normal podcasting routes or over on the blog.
WEEKLY LIVE Q&A:
THURSDAY 22th April @ 6pm-6.30pm
If you want to ask me questions about the content in today's newsletter I'll be live on Facebook, on Instagram and on my YouTube channel this evening at 6pm - that's Thursday 22nd April.
THIS WEEK'S DEALS
I only share deals and special offers on the blog which I think are really good value. Click the titles or links for more information.
I've also set up an extra Instagram account dedicated to the flash sales, deals and short-lived offers I spot throughout the week. Do follow me there so you don't miss out on offers that are already finished by the time this email goes out on a Thursday.
1. HSBC: £125 switch bonus and £20 Uber Eats voucher
This bank switching bonus just got better! Alongside the £125 cash, new account holders completing a full switch will now get an extra £20 Uber Eats voucher. More details on this and other switching offers here.
2. M&S: £5 off £40 food for new Sparks members
I was handed a flyer this week at my local M&S sharing that new members of the free Sparks loyalty scheme can get £5 off a £40 spend off food, and 10% off clothes and home.
(P.S. regular Sparks users - have you noticed a lack of new offers showing in your account for a while now? Or is it just me?! Let me know and I'll investigate further.)
3. Tidal: Six months free
It's your last chance to grab six months of free music streaming from Tidal via the Lidl Plus app. Details here.
4. Leon: Unlimited coffee for £15 a month
If you're venturing out more now, then this coffee subscription from Leon might be worth investigating. For £15 you can have 75 hot drinks a month.
5. Cloudwater: £3 craft IPA in Tesco
My favourite craft beer brewery is Cloudwater, and this week it announced a partnership with Tesco to sell tall cans of IPA for around £3 - potentially saving you £2 or £3 per can.
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Quick deals
Banking & Saving offers
- Top bank switch: £125 cash bonus or free wine & charity donation
- The best cash savings accounts - inc up to 3% interest
- CHIP: £10 bonus and 1.25% interest
- Student bank accounts: 0% overdrafts & freebies
- Best business bank accounts: Free accounts
Cards and bills deals
- 20 months 0% balance transfer credit card with no fee
- American Express: Up to £186 welcome bonus
- Three: SIM-only 12GB of data for £5.50 a month
- Curve: Free £10 welcome bonus
- PayPal: Refer friends for £10 credit
Shopping vouchers and other deals
- Amazon: Up to £10 off for some
- Free £5 credit when you trade in old CDs, books, DVDs or game
- 0% finance deals on new Samsung or Apple phones
- Holland & Barrett: Free £3
- Lidl: Coupon Plus promo
- Flowers: £10 off Bloom & Wild
- Emma Bridgewater: Free 1/2 pint mug with £40 spend
Entertainment deals
- Spotify: Including 12 months for the price of 10
- Apple Music: Five months free streaming
- Disney+: Including 6 months free and then £2 off
- Netflix: Inc Netflix & Chromecast bundle
- Mubi: One-year free streaming service hack
- Ethical Consumer: Free issue of the magazine
- Free postcode competition
- Lucky Voice: Free month of at home singing
Food and drink offers
- Tastecard: 90-day free trial
- M&S: £1 off with app
- Pret: Free coffee for one month
- Supermarket cashback freebies
- 8 Brewdog for £3.95 / £10 off Honest Brew
- Uber Eats: £10 off your first order
- 50% off Meatliquor when restaurants reopen
- Up to 30% off posh home meals
- Voucher and cashback stack on Gousto & Hello Fresh kits
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Recent content you might have missed
I know it can be tricky to read, watch and listen to everything I create each week, so here are some articles, videos and podcasts from the last few weeks you might have missed.
- Discounted gift card hack & up to £150 back with new ISA
- Cheapest ways to watch the Oscar and Bafta nominees & winners
- Ask Andy #8 Your questions answered
- YOUTUBE: Chip+1 savings account review - update
- YOUTUBE: Best UK Current Accounts | April 2021 update
- PODCAST #185: Lockdown money habits to keep & ditch
- How I manage my multiple bank accounts
- 9 ways your local library can save you money
- Work from home tax relief extended for 2021/22
- Ask Andy #7 Your questions answered
- YOUTUBE: Best UK Savings Accounts | April 2021 update
- PODCAST #183: How much tax you actually pay and why
- The best bank mobile apps
- Beat the energy price cap increase
- Santander to close 111 branches
- Ask Andy #6 Your questions answered
- YOUTUBE: LTV & the remortgaging tricks that’ll save you thousands
- YOUTUBE: The best credit card offers (April update)
- PODCAST #181: “It’s not about the pay gap”
- When Direct Debits are a bad idea
- How to quickly clear your credit card debt
- Ask Andy #5: Your questions answered – savings special
- YOUTUBE: Lifetime ISA explained: Is it worth it?
- PODCAST #179: My top cashback credit card hacks
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