Your weekly money saving deals and news from money expert Andy Webb
My top content this week
BLOG, VIDEO & ARTICLES
What’s in my wallet for 2023?
With the amount of bank, credit and loyalty cards I've got it wouldn't be practical to have them all in my wallet - and it wouldn't be necessary either as I only actually use a handful. Find out which ones make the cut, and how I've used my phone to move over even more.
The best auto savings apps and hacks
For those of you trying to save more in 2023, then it's worth looking at a handful of methods and apps that automate moving money on a regular basis. Find out which ones I think will help.
How to get multiple American Express sign-up bonuses
Whether you're an existing Amex cardholder or thinking of getting your first one it's possible to get up to three different welcome bonuses - it all depends on which card you go for first.
And with a boosted BA Amex Premium Plus bonus launching this week (details further down the newsletter), it's a good chance for you to take advantage of this hack.
CASH CHATS PODCAST
301 | Savings special: How and where to save in 2023
In the latest episode of the pod I’m talking about:
- Are savings challenges worth it?
- The best auto-savings apps
- Paying yourself first
- The highest paying savings accounts
- Plus your chance to win a 1:1 video chat with me
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
Ask Andy #62: Your money questions answered
My live Q&As are the best place to ask me your questions. You can catch up on this week's video as well as read my answers to a few others you've sent in such as how to pay tax on interest outside your personal savings allowance.
I'll let you know when the next one is in next Thursday's newsletter. 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 2,900 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. Trains: Northern and GWR sales
Got to get the train? Nothern has a flash sale with tickets from 50p while GWR is offering 50% off advance fares. More here.
2. Amazon: £5 off £15 for some
Another Amazon offer that only some of you will be eligible for, but it's worth checking. More here.
3. Morrisons: 5p off a litre of petrol
Spend £35 at Morrisons and you'll get a voucher to save on petrol until Sunday. More here.
4. Currys: £5 voucher for trash
Take any old bit of tech to Currys and you'll get a £5 off £25 voucher. More here.
5. Ikea: £10 off via Amex
If you have an Amex card then it's worth checking to see if you've got a monty off at Ikea offer. I spotted £10 off £100 and £15 off £150 on two of my cards. More here.
6. Monzo: £10 welcome bonus (LAST CHANCE)
New Monzo account holders who use a referral code can get £10 when they use their debit card, boosted from the normal £5 until 14 January. More here.
SAVINGS, BANKING & CREDIT CARD BEST BUYS
Banks
Lloyds: New £200 switching offer
This week Lloyds launched a new switching offer worth £200 - the most it's offered yet. It's only for premium accounts with fees of £10 or £21 a month, but if you don't want to stick with that account you can downgrade, potentially avoiding the charge completely. Here are all the details.
Top banking switch and welcome offers:
- First Direct switch: £175 bonus
- Lloyds switch: £200 bonus
- Monzo welcome: Free £10 offer
- Monese welcome: Up to £30 offer
- Tide business welcome: £75 cash bonus
Top banking best buys:
- Top reward account: £5 a month from Halifax
- Top cashback on bills: Up to 1% back with Santander Edge
- Top cashback on spending: 1% back with Chase
Savings
Yorkshire Building Society: 3.35% limited access
From 17 January Yorkshire Building Society is increasing rates on its Rainy Day saver to 3.35% - though there are limitations. That rate is only on the first £5,000 (it then drops to 2.85%) and you can only make two withdrawals a year. Here's more in my latest best buy savings guide.
Also, if you looked for the Coventry Building Society 3.25% account I recommended last week, you'll have just missed out - the account was withdrawn on the same day it went live! In its place, there's now a 2.85% paying alternative that is still higher than most other options.
Top savings best buys:
- Top regular saver: 7% with First Direct
- Top current account linked interest: 5.12% with Barclays
- Top easy access account: 3% with Chip
- Top 1-year fixed account: 4.33% with Habib Bank Zurich
Credit cards
American Express: Huge 70,000 BA Amex Premium Plus welcome
There are a number of boosted Amex welcome offers this week, including a massive 70,000 Avios points for spending £3,000 in three months on the BA Amex Premium Plus, or 20,000 Avios for spending £1,000 in three months on the BA Amex.
As long as you've not had either of these cards in the last two years you are eligible for the offer - even if you've got a different Amex already. Here's more.
Top cashback credit card best buys:
- Top welcome bonus: British Airways American Express Premium Plus (70,000 Avios = up to £486 Nectar points)
- Top non-Amex cashback: Barclaycard Avios
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MORE DEALS!
Here are a few ongoing and recent offers you might have missed:
Cashback offers
- JamDoughnut: £4.50 welcome offer
- Cashback: Up to £91 for free
- YouGov: £50 cash for sharing bank data
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
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
- 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 loyalty schemes
- Caffe Nero: 25% off drinks and pastries
- Franco Manca: £5 Pizzas
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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.
- The top savings accounts for 2023
- Best Current Accounts for 2023
- 9 ways to cut your household bills
- Be a seat filler and get cheap tickets
- Are savings challenges worth it?
- Top credit cards for 2023
- My month in money #12
- The best of Be Clever With Your Cash in 2022
- Mid-December 2022’s savings round-up & news
- Interest rate at 3.5%: what does the rise mean for you?
- Should you regift an unwanted present?
- How to pay in a cheque online with your phone
- Drip feed savings hack: Is it worth it?
- Why you’re paying too much for medication
- Premium Bond prize rate increases to 3%
- Halifax Reward £360 a year hack
- Gift cards: Should you ever use or buy them?
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