Your weekly money saving deals and news from money expert Andy Webb
My top content this week
BLOG & ARTICLES
There's a new best rewards credit card
As of this week, you can swap Nectar for Avios - and visa versa. And since you can already exchange Amex Reward points for Avios, I spotted this means you can now boost these reward points from 0.5% to 0.8%.
And thanks to the welcome bonus for new customers with the American Express Preferred Rewards Gold card, it's possible to make £184 in the first three months. And if you're a big spender (£15k a year) you can earn £348 back from your spending!
The downside is it'll all be in Nectar points! Here's more about the card and how to get the bonuses.
How to cut the cost of your overdraft
This weekend is the deadline to ask for a three-month, £500 interest-free overdraft buffer or extension from Lloyds, Halifax and Bank of Scotland - three of the last four banks to still offer this to customers. It's well worth taking advantage of if you are overdrawn.
But if you're with a different bank, there are still options to help you reduce the charges you'll face(which are likely to be as high as 40%).
Here's what you can do to cut overdraft costs and help you clear that debt.
YOUTUBE
What are supermarket loyalty points really worth?
Sticking with loyalty points, I've made a video looking at the real value of the points you earn with Tesco Clubcard, Nectar, Morrisons More and Boots Advantage.
Plus find out the minimum payouts and how much you'd actually need to spend in order to use them!
Rather read than watch? Check out this article on the same topic
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CASH CHATS PODCAST
Once again, there are two episodes for you this week.
#163: Paying less for your TV and streaming bills
My latest episode is another "money makeover", this time looking at how to cut the amount we spend on Sky and Virgin TV, exploring what we get for the licence fee, and my tips to get the best value for money on streaming services.
#162: Your Money, This Week
This look back at the top money news stories from the week covers house price increases, Glastonbury's cancellation, free mobile data for homeschoolers and dodgy investing tips on TikTok. For this episode, my guest is fellow money podcaster Kia Commodore.
Look out for a new episode on Friday.
You can listen to both via all the normal podcasting routes or over on the blog.
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THURSDAY 1pm: LIVE community chat
If you want to ask me questions about the content in today's newsletter I'll be live in the Be Clever With Your Cash Facebook community and on Instagram at 1pm on Thursday. It'll be great to see you there!
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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. Free £5 with Chip
If you've never used the savings app Chip, new customers this week can get a rare £5 welcome bonus, and access to its 1.25% savings account.
Read more here about how this account works, and the special promo code you'll need to get the deal. Ends Wednesday.
2. LAST CHANCE: Swap Clubcard points for NOW TV credit
This Sunday is the last day to swap Clubcard vouchers for NOW TV credit. You can exchange 50p in Clubcard points for £1.50 to use on streaming passes.
3. LAST CHANCE: Free £20 voucher and double points at John Lewis
Open a new John Lewis Partnership credit card before 31st January and you'll get double points at John Lewis and Waitrose (equivalent to 2.5% back) for 90 days. And if you spend £250 in the same three months, you'll get a bonus £20 voucher.
4. Up to 30% off posh home meals
We ordered a restaurant-quality meal kit to celebrate my wife's birthday last week, and while researching our options I spotted a couple of discounts.
There's a 30% off referral promo for Pasta Evangelists, while I also found discounts for Stein At Home and D&D At Home on my Amex card.
These still aren't cheap but they could be a takeaway alternative while restaurants are closed.
5. Chromecast & Netflix bundle deal stack
If you buy two new Chromecast streaming devices direct from Google for £140, you'll also get £54 worth of Netflix credit for £20.
And you might also have an extra Google offer on your American Express. On my card I've got one offering £20 back when spending £100. Using this would effectively mean I'm getting the Netflix credit free.
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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
- 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
- Beat the Disney+ price hike
- Netflix savings
- One-year free Mubi streaming service hack
- 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
- Supermarket cashback freebies
- £10+ off craft beer
- £10 off your first Uber Eats / Deliveroo orders
- 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.
- Santander cuts interest and lowers fee on 123 account
- 0% balance transfer credit cards – the good and the bad
- HSBC to close 82 branches
- YOUTUBE: Spare cash due to lockdown? Here’s what you should do with it
- PODCAST: #161: Bitcoin Basics
- The best current accounts for 2021
- The best cashback and reward credit cards
- PODCAST: Cash Chats #158: Entering and winning competitions
- 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
- YOUTUBE: The best money making apps
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