Your weekly money saving deals and news from money expert Andy Webb
My top content this week
BLOG, VIDEO & ARTICLES
Premium Bond prize rate increases to 2.2%
In response to the latest base rate hike (more on that below), NS&I has increased the prize rate on Premium Bonds and if you want to enter next month's draw you've to add cash this week. Here's what you need to know.
Chip’s £10k Prize Savings Account: Is it worth it?
Another prize draw savings account is available, this time from Chip. You could win either £10 or £10k, and if you want to enter you need to add money by Friday. Here's my analysis.
“Mini-Budget” 2022: What it means for your money
You'll no doubt already know that last Friday the new Chancellor Kwasi Kwarteng made some huge announcements that haven't gone down well at all! Here's my rundown of the main announcements, including big tax and Stamp Duty cuts.
Interest rate at 2.25%: what does the rise mean for you?
And before all the chaos of the last few days, there was another rate rise from the Bank of England - increasing from 1.75% to 2.25%. Here's what you need to know.
CASH CHATS PODCAST
286 | £ crash vs $, “Mini-Budget” tax cuts & the latest interest rate rise
In the latest episode of the pod I’m talking about:
- What the falling pound against the dollar means for your money
- All the tax cuts from the “Mini Budget”
- The latest interest rate rise (and more to come)
- A listener question about energy direct debits
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: Your questions answered #55
Catch up with the latest live Q&A, plus read my answers to questions on how to receive dollars into a UK bank account, how to watch Freeview without an aerial, dish or cable and whether you can stack points with cashback.
Next live Q&A: TBC
My live Q&As are the best place to ask me your questions. I'll share next week the next date. Make sure you follow me on YouTube or Instagram to join in.
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 2,400 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. Petrol: 5p off a litre at Morrisons
Spend £40 at Morrisons and you'll get a voucher to save on petrol. More here.
2. National Trust: Free one-day pass
If you're quick you can claim a pass for two adults and four children to visit a National Trust attraction this autumn. Here's more.
3. Ocado: £20 off, free delivery and 2% back
Add your debit or credit card to Airtime Rewards to get 2% back on your Ocado shopping, while new customers to the supermarket can get £20 off their first order and free delivery for three months. More here.
4. Railcards: 1/3 off
If you are new to Trainline you can claim 33% off a one or three-year railcard. Here's more.
5. Referrals: The best welcome offers
From coffee to shoes and banks to flowers, you can often get a better deal joining using a referral link. Of course, sometimes the opposite is true and these deals are worse than ones you can find elsewhere. To help, I've taken a look at some which are worth using (and perhaps sharing). More here.
6. Netflix & NOW: £6p/m plus a Freeview recorder
This offer ends today. Pay just £6 a month for basic Netflix, NOW Entertainment and a box to watch and record Freeview. It's a 24-month contract, though, and you have to either already be a BT Broadband customer, or sign up (this might not be the cheapest option out there) to be eligible. More here.
SAVINGS, BANKING & CREDIT CARD BEST BUYS
Bank switching: £35 bonus on top of £160 Virgin Money switch
If you've not yet switched to Virgin Money this could be good time to do it. Not only is there up to £160 available from the bank, budgeting app Snoop is offering a £30 Amazon voucher on top if you go via them - and there's a £5 voucher when you join too. Here's more.
Top banking switch and welcome offers:
- Natwest switch: £175 bonus
- First Direct switch: £175 bonus
- Lloyds switch: £150 bonus
- Nationwide switch: £125 cash bonus
- Virgin Money switch: Up to £160 cashback bonus
- Monzo welcome: Free £5 offer
- Monese welcome: Up to £30 offer
- Revolut welcome: Free £10 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: Easy access(ish) at 2.5%
Following the base rate hike last week, there's already a new best-buy savings account. You can save up to £5,000 with Yorkshire Building Society and earn 2.5%. You'll get 2% on balances above this. However you can only make two withdrawals a year.
Top savings best buys:
- Top regular saver: 5.12% with Natwest/RBS
- Top loyalty regular saver: 5% with Yorkshire Building Society
- Top current account interest: 5% with Nationwide
- Top easy access account: 2.5% with Yorkshire Building Society
- Top 1-year fixed account: 4.1% with Newcastle Building Society
Credit cards
Top cashback credit card best buys:
- Top welcome bonus: American Express Platinum (boosted 60,000 points & £200 travel credit)
- Top ongoing cashback: Amex Nectar (2 points per £1 = 1%)
- Top non-Amex cashback: Barclaycard Avios
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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
Entertainment deals
- Spotify: Including 12 months for the price of 10
- NOW TV: 40% off passes
- Apple TV+: Up to 8 months free
- Odeon & Vue: Big ticket discounts
- 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
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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.
- How to earn £100 or more a year from cashback on your bills
- Restaurant discount cards compared – are they worth it?
- Why you need more than one bank account
- Energy price cap frozen at £2,500
- Swap old clothes for vouchers
- September credit card update
- Christmas savings schemes: Boost your supermarket spending by 6%
- September's savings round-up & news
- September's current account news & offers
- My month in money #8
- How to get an NUS student discount card, even when you’re not a student
- Cheaper alternatives to Sky TV and Virgin Media
- Chase extends cashback for early adopters
- Money transfer credit cards – can they save you money?
- Will you pay tax on your savings?
- How to get the best price on your mobile phone contract and save
- Asda Rewards: How the loyalty scheme works
- Buy Now, Pay Later explained: Should you use it?
- How to stack new Amex Platinum offers to make £900 in six months
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