MSE’s Money Tips New low standing charge energy firm, £5off Amazon, URGENT debt shift, free chocolate, 15 Motoring Mo

Petrol and diesel prices may've dropped this year, but they're still a painful 30% higher than in 2020. And elsewhere, the cost of getting behind the wheel is accelerating, especially if you're at insurance renewal time.

So if you're planning to drive this summer, whether in the UK or overseas, it's well worth looking for indicators of costs you can swerve and checking your blind spot for rising prices you may be able to reverse. You can find full help in our 50+ Motoring MoneySavers, but here are some of the most essential to send you on your way...

1. More than 2 million are driving on expired licences, check yours now. If you don't renew, you risk a fine. Most photocards go out of date after 10 years, so if you're driving anywhere this summer and you're not sure about yours, quickly check if your licence is valid.

If you get caught driving with an expired licence, you could be hit with a fine of up to £1,000. Remove the risk by seeing how to renew (and your rights once your application's in).

2. Swerve pricey motorway services. Speedily find cheaper places to eat, drink, refuel and sleep with Just Off Junction.

3. Don't be surprised at 40% car insurance hikes. EVERYONE, even if not at renewal, check if you can save (try our Compare+ Car Insurance tool)

Last week's reported average 16% year-on-year car insurance price hikes from the ABI have been trumped by one comparison site now saying it's 40%. Either way, it's a shed load, and we keep hearing horror stories like Hilary's tweet: "@MartinSLewis my 24-year-old daughter's renewal has increased by 316%, how is this justified? Same car, same address, no convictions, never made a claim."

So this is a clarion call for everyone - whether at renewal or not - to check if you can save. Just quickly use our revolutionary Compare+ Car Insurance tool.

With it, you fill in ONE questionnaire, getting our cost-cutting tips as you answer, then the cheapest insurers from one comparison plus personalised, often one-click tips for more savings (eg, choosing comprehensive cover, paying annually, checking multicar cover) and if checking elsewhere may cut costs further.

Since we launched it, we've been inundated with success stories like Rudi's: "My renewal was up from £585 to £960, with no changes and no claims. Using your tool, I was able to renew for £409 on the same terms. Saving a whopping £551. Never, ever auto renew. 😁 Thanks."

11% further rises are predicted. If so, checking even if not at renewal could let you lock in for a year for less.

Checking mid-year may sound odd, but it's worth a bit of time. If you can get a price a little cheaper than you currently pay, then as long as you haven't claimed, you can switch and cancel your existing policy getting a pro-rata refund. Just factor in any admin fees (typically £50ish) and that you usually forgo earning this year's no-claims bonus. See more on mid-year renewal.

As Jenny emailed: "OMG! I've just saved a whopping £756/year. This was switching mid-policy too... they even calculated that there was no fee and paid me a £17 refund. So chuffed."

4. Track down cheaper fuel. With PetrolPrices, you can see where the cheapest filling station near you is in seconds. On one postcode we spot-checked, we found prices ranged from 148p to 170p a litre within five miles.

5. The rebook trick keeps on keeping on giving... is your car hire cheaper than when you booked? Car hire costs seem to be following a bizarre pattern this year. Normally booking early is cheapest, but many are reporting prices have dropped. So keep checking if you can get it cheaper via comparisons such as Skyscanner*, Kayak*, TravelSupermarket* and Carrentals*. If prices have dropped, and your booking has free or cheap cancellation, fill your boots by rebooking and cancelling.

We've been swamped with successes, such as Steve: "Thank you for your piece about rechecking car hire costs AFTER you've booked. I booked car hire in Croatia back in January for £203 for 7 days. I rechecked last week, it's now £140. I cancelled and rebooked at the lower price."

6. The accelerator's a money burner, then again, so are the brakes! Speed up too quickly and you don't gain much time, but do rack up cost. And every time you brake, you're losing the speed you've paid for. So with good road positioning, smooth driving and by using momentum wisely, you can speed up and down gradually yet safely, which can have a marked impact on your car's fuel use, saving you £100s a year. See our eight driving efficiency tips.

7. Breakdown cover, home-start and onward travel just £57/year. AutoAid* has been one of our top picks for well over a decade. It covers you and your spouse (or live-in partner in some cases) in any car you or they drive. Newbies via our link pay £56.64/yr, or £71.54/yr if your car's over 15 years old. For comparison, an equivalent AA policy is £134.50/yr if bought direct.

If basic cover will do, see how to get RAC or AA cover from £41/yr. More help, deals and tips in Cheap breakdown cover.

8. EV drivers, can you save with a specialist tariff? A handful of energy suppliers - including British Gas, E.on, EDF, Octopus and Ovo - offer special tariffs for charging EVs at home. You typically get a few hours of cheap rates (7.5p to 10p/kWh) to charge in. See which EV tariffs are worth it?

And if you're new to the EV world, see Electric vehicles basics.

9. Can you charge your EV FOR FREE? There are 1,000s of 'free charging' points across the UK, in places such as car parks, supermarkets and other stores - though they're getting harder to find. See free electric vehicle charging for how.

10. Booked car hire? Avoid the excess insurance trap at pick-up. Car hire usually includes basic insurance, yet at the pick-up desk, they almost always try to push you to get 'excess cover insurance' costing up to £25/day using scare stories of huge bills for just a scratch - or sometimes implying you have to do it.

Instead, get cheap standalone car hire 'excess' insurance in advance for £2/day. Yet even with it, they will try to put you off or tell you it won't work and make you leave a refundable deposit of £1,000+ on a credit (often not debit) card, which must be in the name of the person who booked. Not a problem, as long as you have one, just keep calm and carry on.

11. MOT due? Eight simple DIY checks and 'hidden' test centres to keep costs down. A third fail MOTs first time for simple, avoidable reasons, which are usually cheaper to sort before rather than after. So look for lights that aren't working, windscreen cracks and more using our easy DIY MOT checks, including TyreSafe's 20p tread test.

Next, find the right test centre for you. If your car's in good shape and likely to pass, simply find the cheapest. If minor issues are likely to be found, 'hidden' council centres may win, with MoneySavers reporting that they're fair and efficient, although they don't do repairs. If major issues are likely, do your research and find a garage you're happy will do good work.

12. Driving in Europe? Make sure you've the right documents, equipment & more. Different restrictions apply on the roads, and if you get things wrong you could face problems - or even hefty fines. Full help in our Driving in Europe guide.

13. Get rid of the junk in your trunk and get pumpin' (up your tyres). A few simple adjustments to your car can mean you pay less for the same journey - roof-rackers beware. See our five fuel-efficiency checks.

14. Taking your car to the EU? Post-Brexit, it's more important than ever to check your insurance. If you are taking your car abroad, don't automatically presume you will get the same cover you get here - it is likely to be the minimum if you have an accident. See our sections on taking your car abroad and not forgetting to get car breakdown in Europe.

15. And finally... could you say 'see ya' to your car this summer? It's stating the bleeding obvious, but there's no better motoring MoneySaver than not motoring at all - and with the average distance of car journeys in Britain being less than nine miles, the stats suggest it's far from impossible. Would any of these work for you?

- If you live in a city, you could join a car club.
- Let the train take the strain with our Cut the cost of train tickets guide.
- Or swap four wheels for two with our MoneySaving tips for cyclists.
- Really cut the cost by walking everywhere, like Martin does.

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And a PS from Martin: "Goodbye for now... I won't be overseeing the next few weekly emails, as I'm going to take a work-break to recharge my batteries. I'm going to try avoid the temptation to comment on any interest rate or Price Cap changes, and leave it to the brilliantly capable hands of the MSE team - who'll likely do it far better than I can. Ta-ta."

DON'T believe the fake 'Martin Lewis' or 'MSE' ads
Lots of scam ads litter social media and even newspaper websites - some of these lie that we or Martin promote Bitcoin, binary trading etc. See Fake ads warning.

Martin's warning: For anyone paying interest on credit card debt
'IMMEDIATELY take two minutes to check if you can shift debt to an INTEREST-FREE balance transfer card and cut £100s of unnecessary interest. Don't delay. It's very likely most top deals will be pulled soon'

Journalistic calls can be tricky. It's easy when facts are confirmed, but sometimes you've information you just can't quite substantiate. Right now, with some already gone, reading the runes of industry talk, there are strong signals some or all of the remaining top 0% balance transfer deals will be pulled within the next few weeks, possibly far sooner and without notice. So delay checking and you risk shorter, costlier, worse outcomes. That's why I've made the call to give this warning, even though I can't 100% guarantee they'll go. Safe is better than sorry.

What is a 0% balance transfer card? It's a new card that pays off debt on your existing card(s), so you owe it instead but INTEREST-FREE. That way your repayments clear the actual debt, not just mostly cover the interest.
Will I be accepted? Take two minutes to enter details in our 0% eligibility checker, which then shows the card-by-card odds of which you're most likely to be accepted for. As Lisa emailed me: "[First,] I got £2,100 of 0% from NatWest. My [original] card still had a balance, so I thought I'll give it another go. It said I've 10% chance with HSBC, I thought: 'what have I got to lose?' I was accepted with a £4,000 limit! [With no interest,] I can up my payments on both 0% cards to clear them sooner. I can't thank you enough." [Likely saving £1,200/yr-ish interest.]
If you've a choice, go for the LOWEST FEE within a 0% time long enough to clear your debt. Generally, the longer the balance transfer, the bigger the one-off fee, eg, 3% of the amount transferred (so £30 per £1,000). So if you can clear your debt quicker, go for a shorter deal to minimise fees. UNSURE? Play safe, go long.

TOP-PICK NEW CARDHOLDER 0% BALANCE TRANSFERS (longest first)
NatWest Link goes via eligibility or apply direct*	- 30mths 0% - 2.99% fee - 23.9% rep APR after	Longest definite 0%. All accepted get the full 30mths at 0%. This card's also offered by sister banks RBS* and Ulster.
Barclaycard Link goes via eligibility or apply direct*	- Up to 30mths 0% - 3.45% fee - 24.9% rep APR after	Joint longest 0%, but an 'up to' with higher fees. If eligibility shows you as pre-approved, you'll get 30mths 0% (subject to ID/fraud checks). If not, you could get just 15mths 0%.
M&S Bank Link goes via eligibility or apply direct*	- 28mths 0% - 2.99% fee (min £5) - 23.9% rep APR after	Next longest 0% and lower fee than Barclaycard. If chances are slim with the cards above, and decent here, this is pretty close lengthwise and worth looking at.
NatWest Link goes via eligibility or apply direct*	- 19mths 0% - NO fee - 23.9% rep APR after	Longest NO-FEE 0% by far. If you can clear the debt within 19mths, this (also offered by sister banks RBS* and Ulster) is the winner as there's no cost at all. They're 3mths longer than the next best no-fee card - so if these go, other options are poor.

Getting a card? ALWAYS follow the Balance Transfer Golden Rules:
a) Never miss the minimum monthly repayment, or you could lose the 0% deal and it'll cost far more.
b) Aim to clear the card (or balance-transfer again) before the 0% ends, or the rate rockets to the higher APR.
c) Don't spend or withdraw cash. It usually isn't at the cheap rate and withdrawals may hit your ability to get future credit.
d) The balance transfer must usually be done within 60 to 90 days to get the 0% - check your card.

Quick balance transfer FAQs (click links for Martin's answers)
Q. Is it worth applying if my eligibility odds are low? | Q. What if my credit limit isn't big enough? | Q. Can I shift debt to existing cards too? | Q. Should I try to pay off my biggest debt first? SPOILER: NO.
Full help and info, including options for poorer credit scorers, in Best balance transfers.

Amazon £5 off £15. Not for all, but only takes a one-click check to see if you're eligible. Amazon

Ends Mon. Last chance to use non-barcoded 1st and 2nd class stamps. You can't post stamps with the late Queen's profile on after Monday 31 July - so use 'em or swap 'em.

FREE National Trust family day pass (normally £25 to £35). Excludes NT Scotland sites. Family days out

Four banks now pay you up to a FREE £200 to switch. Switch your existing current account to:
- Free £200 + £36/yr cashback: Via NatWest Reward* or RBS Reward*
- Free £175, top service, cheap overseas, £250 0% overdraft, 7% reg saver: First Direct*
- New. Free £150 + 3mths £25/mth + ongoing £5/mth cashback: Halifax Reward
- Free £125 + £75 after 8mths + £5/mth for 6mths: TSB's Spend & Save*
Full account reviews & crucial eligibility criteria in Best bank accounts.

Free £3 vegan choc, £1.75 off McCain chips, £1.50 off Birds Eye fish fingers. See 40+ supermarket coupons.

Free £10 to autosave. MSE Blagged. Autosave apps use tech to figure out what you can afford to save, then automatically move that from your current account to savings (or investments). It's an easy way to get into the savings habit. Currently via this Plum link*, newbies get £10 if they save at least 1p by day 90. See the full Plum review in our Autosave apps guide.

Cheapest ad-free Netflix now £48/yr more as 'Basic' plan axed - but we've tips to cut costs. See Netflix.

Urgent. Tax Credits deadline is MONDAY - check renewals NOW or risk payments stopping. Check and renew online or by app before 11.59pm on Monday 31 July. See Tax Credits renewals.

Martin: Are cash ISAs ni-sa? Will lower inflation mean cheaper mortgages? All in the new The Martin Lewis Podcast - listen through BBC Sounds | Apple | Spotify & more.

BLAGGED FOR MSE

- Get paid £10 to autosave Ends 25 Aug
- 3 months' free access to 7,000+ magazines Ends 13 Aug

DID YOU MISS?

- Took time off to look after kids? You could be due £1,000s
- £133 of No7 beauty & skincare £40
- Free Asda £5
- Grab cheap or FREE access to airport lounges

Stick, switch or fix?
The 1st NEW energy retailer to launch since the crisis began undercuts the Price Cap with lower standing charges. So now it's time to choose....

Energy retailers are the firms that we buy our gas and electricity from. Over 20 of them have gone bust in the last couple of years due to the energy crisis. It killed competition - switching died while prices rocketed. Now we've the first small sparks of a recovery. Newcomer Fuse Energy has just launched an electricity-only variable tariff that undercuts the Price Cap. So now there are four key options, which is right for you? (Separately, see Northern Ireland energy help, as it works differently.)

Option 1. 'Do nothing' - stick on the Price Cap. The vast majority of homes are on standard variable tariffs set at the max level they can be under regulator Ofgem's Price Cap. This cap moves every 3 months, and on 1 July dropped an average 17%, with the next change due on 1 October. The Cap varies by region and is a limit on the standing charge & unit rates - see the actual Price Cap rates. So this is the benchmark to judge everything else on.

The graph below illustrates that currently (predictions change) analysts Cornwall Insight believe the average price paid over the next year will be roughly 3% lower than the current rates (more in Price Cap predictions). Yet there's no guarantee it'll go that way, things could change radically.
Option 2. 'Get a fixed tariff' - lock in the rate if you want price certainty. With a fixed tariff, the rates you pay are locked in for the duration of your deal (though your actual bill depends on usage). However if you leave early, you'll usually have to pay an exit fee of up to £200. Whether it's right for you depends on how much you value price certainty.

As we've talked about before, based on the current predictions, our best guess is that if you want certainty, any fixes cheaper than the current Price Cap look decent. The good news is there are four fixes that are below the current Price Cap rate, two of which anyone can sign up to. More info is in our Should I fix? guide, which includes a calculator.
New. Option 3. 'Cheaper variable deals' - that undercut the Price Cap. There are two to look at:

- New firm Fuse's tariff is price-capped but doesn't charge the maximum. Crucially, it has lower standing charges which make it on average 5% cheaper, and even more so for lower users. On the surface it's a no-brainer compared to sticking on the Cap. However, it is electricity-only (so if you've gas, you'd need to get that elsewhere) and it's a new firm with no track record, and we suspect if many of you try to switch to it, it may struggle to cope.

- The Octopus Tracker tariff is available for existing Octopus customers (though others can just switch first to its standard tariff, then to this) and its price changes daily based on wholesale rates. So this is more of a gamble, but over recent months it would've very substantially undercut the Price Cap. And if it started to get expensive, you could just switch back to its price-capped standard tariff.
Option 4. 'Time of day tariffs' - good for those who can control peak usage, eg, electric vehicle charging. Currently, we know of five energy suppliers offering innovative EV/time of use tariffs - British Gas, E.on, EDF, Octopus and Ovo - where you get a few hours of cheap rates (7.5p to 10p/kWh), plus Octopus Agile, where prices change every half-hour depending on nationwide demand.

If a cold-caller says they're from MoneySavingExpert or Martin, BEWARE - we don't do this. Once again, we've had a number of MoneySavers tell us of doorstep cold-callers claiming to be from MSE. See Cold-call warning.

New. Top 5.1% notice savings account. RCI Bank* pays 5.1% AER variable (min £1,000), but you must give it 95 days' notice to withdraw money. This is higher than the 4.5% top easy-access savings, and is best for those who want to be able to withdraw and will know ahead of time when they need the cash. The top 6.13% one-year fix pays more but your money is locked away (though with fixed cash ISAs you can withdraw early but pay a penalty to do so).

What's going to happen to energy bills this winter? Martin grilled Energy Sec Grant Schapps... Plus what the Govt plans to do on standing charges and social energy tariffs. Watch the 5min Good Morning Britain clip.

'I've cleared £20,000 of debt thanks to support from the MSE Forum.' Our success of the week is from befree93, a Debt-free wannabe Forumite who shared their inspiring tale: "I joined this forum with over £20,000 of debt age 25. Through your support, I took a leap to get started with a debt management plan, and after hard work, saving and maximising my budget I'm making my last payment tomorrow - 2 years early! I don't know how I ever could have done it without the advice and posts. Thank you MoneySavingExpert and everyone who posts on this site. Your stories seriously inspired me when my morale was low, and I now look forward to entering my 30s debt-free." If we've helped you get out of debt or save money elsewhere, please send us your MoneySaving successes.

Whodunnit, romance or sci-fi... grab free holiday books, whatever your taste. How to bag a bookish bargain.

Martin wrote to Children's Minister Claire Coutinho to ask her to do more to help 80,000 teens with special ed needs to unlock their Child Trust Fund money. She's written back... and effectively said no. Read Martin's letter and what the minister said.

Urgent. Check if you can get a school uniform grant of up to £200. Means-tested grants are available across Scot, Wales, NI and parts of England. Yet deadlines start from next week. See our council-by-council round-up.

Three months' free access to 7,000+ magazines, including Good Housekeeping, Gardeners' World, Vogue. MSE Blagged. For Readly newbies. Mag-nificent

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AT A GLANCE BEST BUYS

Longest 0%: NatWest (check eligibility / apply*) - 30mths 0%, 2.99% fee (23.9% rep APR)
No-fee 0%: NatWest (check eligibility / apply*) - 19mths 0% (23.9% rep APR)

£200 to switch + £36/yr cashback: NatWest / RBS
£175 to switch + top service: First Direct

Top easy-access: Sainsbury's Bank 4.53%, min £1,000
Top one-year fix: Beehive Money 6.13%, min £500

Try our Compare+ Car Insurance tool

Cheapest for £5,000 to £7,499: AIB (NI) (apply), 5.6% rep APR
Cheapest for £7,500 to £15,000: Novuna (check eligibility / apply*) or AIB (NI) (apply), both 5.6% rep APR

Standard (10Mb+): Shell Energy '£16.88/mth'
Fibre (30Mb+): Shell Energy '£18.83/mth'
Fast fibre (55Mb+): Vodafone '£19.80/mth'
Superfast fibre (100Mb+): Virgin Media '£21.34/mth'

On Universal Credit or similar? Check all discounted social tariffs

Up to 3GB data: Lebara, '£2.70/mth' for 3GB
4GB to 9GB data: Lebara, '£3.45/mth' for 5GB
10GB+ data: iD Mobile, '£6.50/mth' for 54GB

THIS WEEK'S POLL

At what age should children get their own mobile? Deciding when to give your child a mobile phone can be a difficult decision. On the one hand, they're a great way to encourage independence, on the other, screen-time can be addictive. So this week, we're asking what age you think is appropriate for children to get their first mobile phone.

Nearly half of MoneySavers have checked their credit report in the last three months. Last week, we asked you to tell us when you last checked your credit report, and about 3,000 of you responded. The vote showed a big split - while nearly half had checked their credit report in the last three months with at least one credit reference agency, over a third hadn't checked AT ALL in the past 10 years (or ever!). See the full results.

MSE NEWS

- Top story: Spotify to increase Premium, Duo and Family subscription prices by £12 a year
- Action to tackle 'confusing' roaming policies welcomed by Martin Lewis after MSE campaign
- Virgin Money to close almost a third of its bank branches
- Bank of Scotland, Halifax and Lloyds to close 44 more branches in 2023/24

MONEY MORAL DILEMMA

Should I buy my family gifts when I go on holiday as they do for me? When my parents or my sister go on holiday, they usually bring me back a small gift, though I always tell them they shouldn't, as it's often something I don't need. I'm going away soon for the first time in a while and I'm wondering if I should buy them gifts - I feel that whatever I buy will be a waste of money, but I know I'll feel guilty if I don't bring something back like they always do for me. Enter the Money Moral Maze: Should I buy my family gifts when I go on holiday? | Suggest a Money Moral Dilemma

- Win a £100 Rachel Riley children's clothing voucher
- Win a summer entertainment bundle worth £350+
- Win a Percy Pig mug & sweets

- Win a family trip on the Kent & East Sussex Railway
- Win The Pirates of Dinosaur Island book
- Win FIFA Women's World Cup prizes

MENTAL ARITHMETIC & FINANCIAL INDEPENDENCE - WHAT DID YOUR FIRST JOB TEACH YOU ABOUT MONEY?

That's all for this week, but before we go... our social media followers have been recalling the money lessons they took from their first jobs. For several, working on fruit and veg market stalls taught them speedy mental arithmetic skills. Others were inspired to save for the things they wanted, including holidays and cars, while one poster learnt how to earn bigger tips as a waitress by working harder on their customer service skills. And a one-time pet shop worker learnt jobs can offer temptation - they recall buying a rabbit, fish and accessories during their shifts. But the most common theme throughout was learning about financial independence and the sense of achievement gained by buying things with your own money. Add your own first-job lessons in our Facebook and Twitter discussions.

We hope you save some money,
The MSE team

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MSE’s Money Tips New low standing charge energy firm, £5off Amazon, URGENT debt shift, free chocolate, 15 Motoring Mo

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