Your weekly money saving deals and news from money expert Andy Webb

My top content this week

BLOG: Job Support Scheme changes announced

Just as I was about to send this week's email, the Chancellor announced some changes to the Job Support Scheme (which replaces furlough on 1st November 2020), as well as grants for businesses impacted in Tier 2. Here's a summary of what was said.

BLOG: Monzo Premium review

Digital bank Monzo released a new packaged bank account this week. I've taken a look at Monzo Premium to see whether the included metal card and insurance cover (travel and phone) are worth shelling out £15 a month for.

How does it compare?

BLOG: How to sell your old phone

With the new iPhones shipping on Friday it could be a good time to sell your old handset. I've shared now just how to do it, but also looked at whether it's better to upgrade and sell when models are only a year old, or whether you'll ultimately be better off by waiting a year or two.

Should you sell now or wait>

BLOG: Plan your Christmas spending NOW

It's just over two months now until Christmas, and though it'll be very different to normal (could we all be under lockdown?), it doesn't mean it won't still be one of the most expensive times of the year.

This checklist will take you through all the areas you might need to budget for, how to avoid expensive borrowing and ways to make some extra money to fund those purchases.

My Christmas money checklist

VIDEO: What could negative interest rates mean for your savings?

In my monthly roundup of the best savings accounts on my YouTube channel I've also looked at the rumours of negative interest rates, and what that might mean for your savings.

PODCAST: Cash Chats #146 - Should we pay for fintech?

On the podcast this week I've looked at new charges at Chip and Monzo. Are they worth paying? Can you get the same service elsewhere for less? And is it fair to expect innovation in the fintech world for free?

You can listen via all the normal podcasting routes or over on the blog.

Listen on the blog

Listen on Apple Podcasts

Listen on Google Podcasts

Listen on Spotify

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Community

If you want to ask me questions, share your money saving or spending experiences and chat to other fans, then do head over to the Be Clever With Your Cash Facebook community

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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. New bank switch offers

There are two new incentives to switch bank. Natwest will give you £125 to join them. It's open to existing customers too - as long as you haven't had a bonus since October 2017 from Natwest or RBS.

First Direct has also reopened its account to new customers (it's been closed since March), and with it the chance for a £100 bonus - if you leave! You need to switch over, stay for six months and then say you want to go in order to get your cash.

Here's more on these and the other bank switching incentives.

2. Free pumpkin after cashback

You can get up to £2 back via TopCashback if you buy a pumpkin and upload your receipt to their app.

3. Free G&T this weekend

You can claim a free Bombay Sapphire Bramble gin and tonic this weekend at selected pubs (if you're not in Tier 3, Wales or Scotland!).

4. Three months Tidal for £3

This offer seems to be open to both new and previous customers. You'll get 90 days of Premium for £3. For HiFi it's £6.

5. The best savings on craft beer advent calendars

I love the idea of a craft beer advent, but they can be pretty pricey, so I've rounded up the biggest discounts from the likes of Brewdog, Beer52 and Honest Brew.

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Quick deals

Banking offers

Top free cash: £125 cashback for switching
The best cash savings accounts - inc up to 3% interest
Student bank accounts: 0% overdrafts & freebies
Best business bank accounts: Free accounts

Cards and bills deals

Shopping vouchers and other deals

Entertainment deals

Food and drink offers

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Recent articles you might have missed

I know it can be tricky to read everything I write every week, so here are my main articles from the last few weeks.

My £1,000 money makeover

Here's my complete series of tips and tricks to help you make savings of at least £1,000 - if not more!

Job Support Scheme changes | Negative interest rates | £125 bank offer | Pumkin and G&T giveaways | Monzo Premium review | More