Your weekly money saving deals and news from money expert Andy Webb
My top content this week
BLOG & ARTICLES
Santander cuts interest and lowers fee on 123 account
The monthly fee on a Santander 123 has dropped to £4, but the interest on offer has also been sliced in half.
I know many of you ditched it when the interest rate dropped last year. But if you've still got it, you really should look to switch away.
0% balance transfer credit cards – the good and the bad
Transferring credit card debt to a card charging zero interest can save you hundreds of pounds.
In this guide I've shared how they work, including how to decide whether a lower fee is better than a longer 0% length.
HSBC to close 82 branches
If you bank with HSBC - or First Direct and M&S Bank - then you could be impacted by news that more than 80 HSBC branches will close this year.
Here's the full list of branches that will go, and some options for your future banking.
VIDEO
Spare cash due to lockdown? Here’s what you should do with it
Though a huge number of people have seen their income cut and costs increase, it's a different story for those who have carried on working without their everyday expenses.
In this video I look at the best options for any spare cash you've got, comparing savings, investing, overpaying mortgages and clearing debts.
Rather read than watch? You can check out this article on the topic instead.
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CASH CHATS PODCAST
There are two episodes for you this week.
#161: Bitcoin Basics
My guest is Charles Miller from the Coin Geek podcast, helping us understand how bitcoin works and whether it's something you should be bothered about.
#160: Your Money, This Week
This look back at the top money news stories from the week covers repossessions, energy prices and the real living wage. On this episode, my guest is money blogger Naomi Willis.
Look out for the next episode on Friday.
You can listen to both via all the normal podcasting routes or over on the blog.
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Join the Clever Cash community
There's no lunchtime live today (back next Thursday), so if you want to ask me questions about the content in today's newsletter just head to the Facebook community or Instagram and post your comments.
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The top deals this week
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 deals and 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. Disney+ / O2 bundle
If you are after a new SIM-only deal and already pay for Disney+, then this combo could work out pretty good.
You'll get 10GB of data for £10 a month with O2 on a one-year contract. As part of that you'll also get six months free Disney+, and then £2 off a month after that.
2. £10 off for new Deliveroo customers
If you've never used takeaway site Deliveroo you can get a boosted £10 off when you spend £15 on your first order.
3. Supermarket cashback freebies
There are a bundle of free items you can get via cashback apps this week, including kombucha and diet Pepsi. Here's more on what's available and how to claim the money back.
4. Samsung S21 at 0%
Nine times out of ten, if not more, getting a new mobile phone in a contract with your data/minutes etc is going to cost you more than buying it outright and going SIM-only.
That'll be the case with the new Samsung S21 range. But who has £800+ ready to dole out upfront? The good news is you can apply for 0% credit for up to three years, helping you spread the cost out without paying the network for the priviledge.
5. One-year free Mubi streaming service hack
If you're a fan of world, cult and indie cinema, the Mubi could be a great streaming service to try. And you can do it free!
A year-long subscription is giving away to anyone with a Scribd membership - even those on the 30-day free trial. So sign up for the latter, claim your freebie and then cancel.
I've not been able to double-check you'll keep your Mubi membership after you end the Sribd trial, but it worked for me last summer.
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Quick deals
Banking offers
- Top bank switch: £180 worth of wine reward for switching
- The best cash savings accounts - inc up to 3% interest
- Student bank accounts: 0% overdrafts & freebies
- Best business bank accounts: Free accounts
- Investing: Free share worth up to £100
Cards and bills deals
- 20 months 0% balance transfer credit card with no fee
- Free £20 bonus and double points with John Lewis card
- Up to £125 bonus from American Express
- Free £5 with Curve card
- Three SIM-only 12GB of data for £5.50 a month
Shopping vouchers and other deals
- Up to £10 off Amazon - for some
- Free £5 credit when you trade in old CDs, books, DVDs or game
- 0% finance deals on new Samsung or Apple phones
- Free £3 from Holland & Barrett
Entertainment deals
- 12 months of Spotify for the price of 10
- Chromecast & Netflix bundle
- Free and cheap Kindle books
- Free issue of Ethical Consumer magazine
- Free postcode competition
- Free month of Lucky Voice at home
Food and drink offers
- Tastecard 90-day free trial
- £1 off at M&S with app
- Free Pret coffee for one month
- £10+ off craft beer
- £10 off your first Uber Eats order
- 50% off Meatliquor when restaurants reopen
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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.
- PODCAST: Cash Chats #158: Entering and winning competitions
- The best current accounts
- The best cashback and reward credit cards
- Finding the perfect SIM for lockdown
- The top ways to pay during lockdown
- PODCAST: Cash Chats #157: The lockdown no-spend challenge
- Top three savings accounts for 2021
- Beginner credit cards to build your credit score
- How to pay in a cheque online with your phone
- PODCAST: Cash Chats #156: The Brexit trade deal and your money
- YOUTUBE: Monzo savings tricks
- Spend less by using what you've already got
- The best of 2020
- YOUTUBE: The best money making apps
- PODCAST: Cash Chats #155 - Take control of your finances in 2021
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