Your weekly money saving deals and news from money expert Andy Webb
My top content this week
BLOG, VIDEO & ARTICLES
Regular savings accounts explained: Are they worth it?
The highest paying savings rates right now are in regular or monthly saver accounts (up to 5.25%). But they're often misunderstood, so this explainer breaks down just how that interest rate works.
My Black Friday Bootcamp – get yourself fighting fit
Though BF isn't until 25 November I've already spotted a number of sales up and running and more will start in the coming days and weeks. This guide takes you through how to prepare for it and how to get the best prices. Better to do it now than wait!
Base rate at 3%: what does the rise mean for you?
Last week's massive 0.75 percentage point increase was the biggest in 33 years, and means the base rate has jumped up by 2.9% in 12 months. Find out what impact this has on your mortgage and savings.
November 2022’s credit card & BNPL news & round-up
Here's my latest roundup for the month on credit cards, including changes to Avios and Amex conversions to Nectar, closure of old Amazon and John Lewis cards and more.
CASH CHATS PODCAST
292 | Base rate hike, cheaper Netflix & big Avios/Amex to Nectar change
In the latest episode of the pod I’m talking about:
- What the latest Bank of England base rate increase means for your mortgage and savings
- How to beat changes to Avios/Amex to Nectar point value
- The best paying cashback cards
- Where to watch free streaming with ads (and how to avoid the ads)
- Increases to Apple TV+, and more to come for Disney+ and Netflix
- A listener question about ISA transfers
- A quick scammer warning
- And more!
You can listen to episodes via all the normal podcasting apps or over on the blog.
If you do listen on one of these apps, please do remember to hit follow so you get each episode as soon as it's released.
YOUR QUESTIONS
#58: Your money questions answered
Catch up on this week's YouTube live, plus read my answers to some of the questions you sent through.
Next live Q&A: TBC
My live Q&As are the best place to ask me your questions. Keep an eye on next week's newsletter for the time and date of the next live. Make sure you follow me on YouTube or Instagram to join in. The earlier you ask your question the more likely I'll have time to answer it.
Ask a question in the Facebook group
Or, join the Facebook community to ask your questions and share your money experiences and ideas. There are 2,600 of us in there so far!
THIS WEEK'S TOP 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'll also share a quick update on Instagram on Saturday morning.
1. Caffe Nero: Buy one, get one free via MyWaitrose
If you link your MyWaitrose card to the Nero app you'll get a free drink when you buy a drink at the coffee shop chain. Plus this week the "free" hot drinks with purchase offer returned in Waitrose supermarkets. More here.
2. Apple TV+: Two months free
I know I shared a six-month free offer last week, but that ruled out anyone who'd had a trial via Currys before. This offer doesn't, and will take you through Christmas! More here.
3. Amazon: £10 off £20 with Mastercard
As with many Amazon offers, this won't be for all (you'll need to check if you're eligible via the link). But if you can get it and add a Mastercard to your wallet, you'll save a tenner when you spend £20. More here.
4. Google Play: £10 PayPal credit when you spend £5
New Google Play customers who spend a fiver via PayPal can get £10 back. Here's more.
5. Asda: Up to £15 bonus
If you shop regularly at Asda then it's worth nabbing this Christmas Saver Scheme bonus at the weekend. Add £280 by 5pm Sunday and you'll get a £15 top-up the next day. More here.
6. M&S: £30 beauty advent when you spend £40
This offer has already sold out online, but it's still in store (while stock lasts). You'll need to spend £40, but that'll mean you can buy the beauty advent for £30 rather than RRP of £300. More here.
SAVINGS, BANKING & CREDIT CARD BEST BUYS
Banks: Switching updates
HSBC bank switch offer: Get up to £250
There's a new £200 switch deal from HSBC, which can be boosted by £40 via cashback site Quidco. And if you're new to Quidco you can get another £10 on top! Here's how it works.
Co-operative Bank switch offer: Up to £125
Another new deal is from the Co-op - though you need to be referred by a friend (the good news is they'll also get £125). Here's how it works.
Lloyds Bank: £150 switch offer ends
This offer from Lloyds Bank ends on Monday. You'll get £150 for switching to a Club Lloyds account, plus access to a 5.25% paying monthly saver and free cinema tickets. More here.
Revolut free £10 offer ends
It looks like this £10 welcome deal finishes today so grab it while you can.
Top banking switch and welcome offers:
- HSBC switch: Up to £250 cash bonus
- Nationwide switch: £200 cash bonus
- First Direct switch: £175 bonus
- Lloyds switch: £150 bonus
- Monzo welcome: Free £5 offer
- Monese welcome: Up to £30 offer
Top banking best buys:
- Top reward account: £5 a month from Halifax
- Top cashback on bills: Up to 3% back with Santander 123 Lite
- Top cashback on spending: 1% back with Chase
- Top ethical bank: £60 voucher or donation via Triodos
Savings: 3% ISA, 3.45% notice & 5% regular saver
Virgin Money has increased the rate on its easy access Cash ISA to 3% - meaning it beats even the best non-ISA account. It's just for current account holders though.
There's also a new 5% paying regular saver from the Principality Building Society, and a massive jump in notice accounts with 3.45% on 120 days from Oxbury. More on these accounts and other best buys here.
Top savings best buys:
- Top regular saver: 5.25% with Club Lloyds
- Top current account linked interest: 5.12% with Barclays
- Top easy access account: 2.81% with Al Rayan
- Top 1-year fixed account: 4.6% with Vanquis
Credit cards: £20 bonus and £19 cashback
If you're looking for a 0% credit card (perhaps for stoozing), you can earn a £20 bonus with the Barclaycard Platinum card if you spend £250 in 90 days. Plus apply via Quidco or Topcashback and there's an extra £19 to get. More here.
Top cashback credit card best buys:
- Top welcome bonus: American Express Preferred Rewards Gold (20,000 points = up to £167)
- Top non-Amex cashback: Barclaycard Avios
-------
Follow me on social media
Want to stay connected throughout the week? I'm on Instagram, Facebook & Twitter.
-------
MORE DEALS!
Here are a few ongoing and recent offers you might have missed:
Shopping vouchers and other deals
- Amazon: Up to £10 off for some
- Snoop: Free £5 Amazon voucher
- Flowers: £10 off Bloom & Wild
- LNER: Free £5 train travel credit
- NUS card: Alumni card trick
- Birthday freebies: Food, drink and vouchers
- Cashback: Up to £91 for free
- Wills: Free wills in November
Entertainment deals
- Spotify: Including 12 months for the price of 10
- NOW TV: 40% off passes
- Apple TV+: Up to 11 months free
- Odeon: Free weekly ticket
- Vue: Free ticket and movie rental
- Disney+: Save £2 a month
- Paramount+: 30-day free trial
- Ethical Consumer: Free issue of the magazine
Food and drink offers
- Tesco Clubcard Plus: One-month free trial
- Tastecard: 60-day free trial
- Ocado: £20 off your first order
- Gousto & Hello Fresh: More than 90% off your first boxes
- Pringles: Free pack
- GreenJinn: £1 welcome credit
- Greene King: Free pint or spirit & mixer
- Deliveroo Plus: Free year via Prime
- Brewdog: £150 bar credit for £99
- McDonald's & Burger King: Freebies from new loyalty schemes
- Caffe Nero: 25% off drinks and pastries
------
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.
- Avios to Nectar swap range cut
- November 2022’s savings round-up & news
- More than books: 9 ways your library can save you money
- My month in money #9 & #10: 7 weeks away
- Credit card stoozing: Earn interest from 0% borrowing
- Apple Music & TV+ prices hiked by up to 40%: How to beat it
- Cheap direct debits for bank switching and rewards
- How to search price history and know if you’re getting a good deal
- “Mini-Budget” 2022 Scrapped: What it means for your money
- Waitrose brings back “free” hot drinks
- Amex's Gold credit card just got better
- Is Three forcing existing customers to lose free roaming?
- New Chip autosave fees could cost you £41 a year
- Earn up to 150,000 Avios via Barclaycard and Barclays
- Barclays Blue Rewards review: Earn 5.12% on savings
- Sky Stream: Will it save you money?
- How to earn £100 or more a year from cashback on your bills
------
Are you following me on YouTube?
If you haven't already I'd really appreciate it if you could head over to YouTube to click "subscribe" and the little notification bell that appears next to it.
Please do tell any friends you think would find it useful too. Thanks!
0 comments