MSE’s Money Tips New energy calc: What you'll pay in July, FREE £25, shift debts to 0% for 2.5yrs, £135 specs £37, Ne

If you're paying interest on credit cards, a balance transfer credit card remains one of the most powerful tools in your MoneySaving belt, often saving £100s or £1,000s. It's where you apply for a new card to repay existing credit/store cards, so you owe it the money instead, but at 0% interest. This means repayments go to clear what you owe - rather than paying off the interest - so you get debt-free quicker.

The longest deals currently give you 0% for around 2.5 years - time to get costly debt under control. Just look at how it worked for John: "Over the past year I used your site three times to gradually get all my credit card debt on to 0% cards, saving just over £190 a month in interest, which I'm using to pay off the debt as quickly as possible."

Our top-pick cards are below, yet with balance transfers, YOUR top pick depends on a combination of whether you can get the card, and whether it gives you long enough at 0% to pay it off. To help you choose...

- ALWAYS use an eligibility calculator before applying. Every credit card application leaves a mark on your credit file. To protect it, use our 0% eligibility calculator - this'll show your odds of being accepted for many of the top picks, without any impact on your ability to get credit in the future. Then, when it comes to applying, you can go for the one you're most likely to be accepted for.

- Aim for a 0% long enough to clear your debt, then look for the lowest fee. Many balance transfer deals charge a one-off percentage fee of the amount of debt you transfer, so minimise that. Unsure? Play safe and go long.

Top new-cardholder 0% balance transfers (by length) Go for the lowest-fee card in the time you're sure you can repay in
New. Virgin Money Best to check acceptance odds first, or apply direct*.	Longest 0% deal, but hefty fee. All accepted get the headline deal, yet the fee is £35 per £1,000 shifted. If you can pay off sooner, other cards are likely cheaper. - 31mths 0%, 3.5% fee - 23.9% rep APR interest after the 0%
NatWest Best to check acceptance odds first, or apply direct*.	Long 0% deal with lower fee. All accepted get the headline deal. Worth considering over Virgin if you've good odds for both, as although it's slightly shorter, the fee is lower. Also offered by sister banks RBS* and Ulster Bank. - 30mths 0%, 2.99% fee - 23.9% rep APR interest after the 0%
Sainsbury's Best to check acceptance odds first, or apply direct*.	Decent 0%, lowish fee, but it's an 'up to'. Here what 0% length you get depends on your credit score, but if you're showing as pre-approved in our eligibility checker, you'll get the full 21mths 0%. If you can clear the card in that time, it'd cost just £10 per £1,000 shifted (the one-off fee), so is much cheaper than the cards above. - Up to 21mths 0%, 1% fee (min £3) - Some get 17mths 0% - 23.9% rep APR interest after the 0%
NatWest Best to check acceptance odds first, or apply direct*.	Longest NO-FEE 0%. If you're accepted and can clear the debt within 19mths, this is the winner as there's no cost at all. This card's also offered by sister banks RBS* and Ulster Bank. - 19mths 0%, NO FEE - 23.9% rep APR after the 0%

You can't balance-transfer between cards issued by the same bank or banking group. For example, if you've debt on a card from Royal Bank of Scotland, you can't transfer it to a NatWest card as they're part of the same group.

Getting the right card is only the start point. To make it work, follow our Balance Transfer Golden Rules...

a) Clear debt before the 0% ends. Clear it or transfer again before the 0% ends or you'll pay the rep APR - which is usually about 22% to 24%, but can be (much) higher. It's not cheap, so don't pay it.

b) Never miss the minimum monthly repayment. Or you can lose the 0%. Set up a direct debit for the minimum payment as a safety measure to ensure it happens. Yet it's better to pay debts off quicker if you can - so try to make manual repayments on top too.

c) Don't spend/withdraw cash on the card. It usually isn't at the cheap rate and it's best not to build up other debt while you're trying to repay what you've already got.

d) Do the transfer at application. You can normally tell the provider about the balances you want to transfer during the application. If you're accepted, it'll then contact the lenders and shift the debt for you. If you don't do it then, you usually have a further 60 or 90 days to request it and still get the 0% offer - but each card's different, so check.

A balance transfer can be very simple - if everything works out. But what do you do if you've low eligibility or don't get a high enough credit limit? We've answered your key balance transfer questions here...

Should I apply if my best eligibility score is only 20%? Don't immediately be put off by low odds. A 20% chance means two in every 10 applicants are accepted, and even at 90%, one in 10 will be rejected.

Adam's email to Martin (after listening to his podcast) proves some get accepted with low chances: "I applied to the top eligibility checker result which estimated I'd just a 20% chance and, guess what, I was accepted with a £3,500 credit limit, two years' 0%. This debt was 20% APR. I can now focus on other debts, potentially having an extra £1,300ish. You mention the link between money and mental health. Well... your advice has really lifted me."
What if my credit limit's not high enough to transfer all my debt? If you get a card, but the credit limit isn't big enough to shift all your debt, don't give up. The application's on your credit file - so shift as much of the highest APR debt as you can to the new card.

Then use our 0% Balance Transfer Eligibility Calculator again to see your acceptance odds for other providers' cards. If there's a good chance for another card, apply - though each subsequent application can get harder as too many can indicate you're desperate for credit. If you have another important application to make - such as for a mortgage or car loan - prioritise that.
What if the eligibility calculator says I've "no chance" for all cards? If you can't get a new 0% card, you can sometimes use existing cards to move debt where it's cheapest. For example, if one credit card charges 18% and it isn't up to the credit limit, but your 30% card is, you may be able to shift debt from the 30% to the 18% card, saving you cash.

Some cards also have 'existing-customer balance transfer offers' - for example, 12 months at 0% for a 3% fee. Not great compared with the top cards, but at least it provides a respite. See the credit card shuffle for how this all works.
Should I pay off my credit cards or my overdraft first? Some try to repay their biggest debt first, or spread repayments equally. However, it's the debt with the highest interest rate (APR) that's growing most quickly, so that's the priority to pay off. For many, this'll be an overdraft charging 40% interest.

Focus all spare cash on clearing the highest rate debt, paying just the minimum on all others (this may include your newly-transferred credit-card debt). Once it's clear, focus on the next highest rate, and so on. See Cut overdraft charges for more help.

The tips above are for those who can afford to meet their credit card payments and want to make them cheaper. If you can't, you'll likely need a different tack. Answer these three questions...

- Do you have sleepless nights or depression/anxiety over debt?
- Do you struggle to meet minimum monthly payments?
- Is your total debt (excluding mortgage/student loan) over a year's salary?

If you answer yes to any of these, forget balance transfers and instead get free, one-to-one debt-counselling help from Citizens Advice, StepChange or National Debtline. And if you need emotional support, try CAP. They're there to help, not judge. The most common thing we hear after is: "I finally got a good night's sleep."

And don't feel alone, there's no stigma, you can sort this. Read inspiring stories in our Debt-free wannabe forum, and see our Mental Health & Debt and Debt crisis help guides.

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.

It's official - energy prices will fall by 17% on 1 July

New. Energy Price Cap calc: How much will YOUR bill be?

Plus... Should you fix?, new unit rates, bigger savings for prepay, and more...

At last, a little relief. From 1 July, energy bills drop by an average 17%, meaning for every £100 you pay today, you'll typically be paying £83/mth from July. This is because Ofgem is dropping the Price Cap below the Government's Energy Price Guarantee (EPG) for the first time since it was introduced last October. Here's what you need to know:

New. Energy Price Cap calculator - what will your drop be? Use our What will I pay from July? calculator to enter how much energy you use, or how much you pay per month, and in what region, and it'll estimate what you'll pay from 1 July.
Martin's video briefing: What the Energy Price Cap change means for you. Martin takes you through how much you'll pay, why standing charges aren't changing, new rates, direct debit, prepay, should you top up?, future predictions and more in his video explainer, if you'd rather watch.

It is actually a cap on standing charges and unit rates. The Price Cap will fall to £2,074/yr for a typical direct debit household from 1 July to 30 September, undercutting the EPG rate which is currently set at £2,500/yr. But these figures are largely meaningless, as there is no total cap on bills - instead there are regional caps on the maximum standing charge and the unit rate firms can levy. We've full region-by region rates in our guide, but here are the average gas and electricity rates for direct debit...

	New Energy Price Cap rates from 1 July	Current Energy Price Guarantee rates until 30 June
Gas	Unit rate: 7.51p per kilowatt hour (kWh) Standing charge: 29.11p per day	Unit rate: 10.31p per kilowatt hour (kWh) Standing charge: 29.11p per day
Electricity	Unit rate: 30.11p per kWh Standing charge: 52.97p per day	Unit rate: 33.21p per kWh Standing charge: 52.97p per day

As standing charges aren't changing, the price drop is coming from unit rates. Electricity rates are falling by 3p to 30.1p/kWh, gas rates are dropping by just under 3p to 7.5p/kWh. As gas is the cheaper of the two fuels, electricity is effectively falling by around 10%, whereas gas is down by more than 25%. So electricity-only households will see a smaller reduction in bills, and high gas users will experience a bigger cut.

You'll still pay £300/yr even if you use no energy. The moral hazard of high standing charges continues. It costs £300/yr just to have gas and electricity, so perversely, the less you use, the less you save. Martin challenged Ofgem boss Jonathan Brearley on this last week, and the regulator has launched a consultation which we'll be responding to.
Prepay Price Cap rates will drop by 20% - more than direct debit. Those on prepay will pay slightly less than direct debit customers from July, with a combination of a reduction in unit rates from the Price Cap and a government subsidy to equalise rates. If you're a prepay user, you'll see prices drop by 20% as a result, so for every £100 you have been topping up, it'll cost you £80 from 1 July.

With most prepayment meters - both smart meters and all gas meters - you pay the rate on the day you use energy. Yet with many non-smart, prepay electricity meters, you pay the rate on the day you top up. So aim to run your credit down to the minimum by 1 July when prices get cheaper. Then top up on 1 July, even just a quid, so you're then on the new lower rates. See Prepay help for more.
Most will still be paying more for their energy than during this last winter. While the drop in energy bills will be a relief for millions, most will still be paying more for energy than during winter. This is because the drop in the rates won't make up for the £66/mth state support people got until April (unless you're a very high user). And overall, this still leaves people paying around double or more than they did before the energy crisis hit in October 2021 - unaffordable for many. See Help if you're struggling to pay to check all the support options now available.
Warning. Some on fixed deals will see prices rise - consider ditching. Around a year ago, as prices rocketed, some switched to very high fixed-rate deals. Yet when the Government launched the EPG, it covered those on fixes so they'd pay the same as everyone else. From July, the EPG subsidy will fall away, so those fixes will go back up to their original price. If that's you, consider switching to a price-capped standard tariff.
Should you fix your energy? Now there's some short-term price certainty, it may be the catalyst to restart deals. We've already seen a few limited existing customer-only deals, and we're expecting more soon. Based on current Price Cap predictions, it's worth considering a fixed deal if it's priced at not much more than the July Price Cap, especially if you value certainty. Full details in our Should I fix? guide, and we'll add all the latest deals as we hear about them.

£37 Ted Baker prescription specs or sunglasses (normally £135). MSE Blagged. Via SpeckyFourEyes code.

Netflix crackdown - you'll be charged £60/yr to share your password. The streaming giant's been threatening to do it for a while... we've all the new rules in Netflix password-sharing crackdown.

FREE £25 when you spend £5+ online. (Only 1,200 left.) MSE Blagged. This deal is a no-brainer. Newbies to cashback site Quidco get an extra £25 cashback when they sign up via our special link and buy something through it costing £5 or more. Full details in Top cashback sites.

Prepay for energy? Redeem your £66 or £67 energy bill vouchers ASAP. Around 1.9 million vouchers remained unclaimed - you can redeem 'em until Friday 30 June. The vouchers only last three months from the issue date, but they can be reissued if expired - see Prepay voucher help.

FREE Open Farm Sunday events, including tractor rides and welly-wanging at 250+ farms. One day a year in June, farms open their gates and put on activities - it's a baaaa-gain (excludes NI). See Open Farm Sunday.

New. 100GB Sim for '£7.84/mth' - cheapest we've ever seen. With unlimited mins & texts, this iD Mobile Sim (via Three's network) is £12/mth, but you can CLAIM (don't forget) a £50 Amazon or Currys voucher within 3mths. Factor that in over the 12mth contract and it's equivalent to £7.84/mth. Want a different network or less data? Cheap Mobile Finder.

£22m+ paid for pothole damage in the last year - are you due? If your motor was mangled, see Pothole claims.

Reminder. Top travel credit card plus £20 cashback. The Halifax Clarity* is one of our long-term top-pick travel cards with no-fee overseas spending & low ATM interest, plus there's £20 cashback on your first purchase within 90 days. You could just grab it, spend on it once and bag the cashback. Always pay IN FULL every month or it's 22.9% rep APR. Will you get it? Use our Eligibility Calculator first to see your acceptance odds. More options in Top travel cards.

The Energy Price Cap Decoded (& new 4.25% savings). All in the new The Martin Lewis Podcast - listen through BBC Sounds | Apple | Spotify and more.

BLAGGED FOR MSE

- £37 Ted Baker specs or sunnies Ends 21 June
- Quidco £25 cashback on a £5 spend 1,200 available

DID YOU MISS?

- Huge new top easy-access savings 4.25%
- Energy firms paying compensation to customers
- Nationwide's paying some customers £100 - are you one of 'em?
- Plusnet Mobile customer? It's closing - you need to switch
- Code gets £250 off a Shark cordless vacuum

Mortgage-holder alert

Rates are rising again, some are predicting there's worse to come... is NOW the time to fix?

Inflation's finally coming down, dropping from 10.1% to 8.7% in the last month. But the figures had a sting in the tail... buried within the headline rate was the fact that core inflation, which strips out energy and food prices, is still rising. And the mortgage market is now jittering at the prospect of further interest-rate hikes - as they're the key tool for the Bank of England to control rising prices.

Fixed mortgage deals tend to move in line with forecasts of future interest rates and, until recently, had been falling. Just last month, the cheapest two and five-year fixes were 4.08% and 3.79% respectively. But as the chart shows, the cheapest are now 4.39% and 4.05%, with some brokers predicting that the best such deals could get to 5% and 4.5% by mid-June.

With more than 1.4 million mortgage deals set to end this year, you need a plan - here's what you need to know:

If you're on a variable rate or your mortgage is ending in the next six months, check now if you can lock in a new deal. Early action can insure against future rate rises...

- Check if you can lock in a deal now so you're covered if rates do rise further. If you're six months or less away from your current mortgage ending, it's worth looking at what's available. Many lenders let you secure a new deal three to six months in advance. This means you could lock in today's rate as an insurance policy against rates rising, to start in the future when your current deal ends.

And if rates do get cheaper again (some mortgage brokers believe that the hike in rates has been a short-term, knee-jerk reaction), you can often ditch a locked-in rate penalty-free if a better rate comes along in the meantime. This can be complex, so read full pros and cons in our long lock-in help.

- On a tracker? Can you afford more rate rises? If the base rate goes up to 5.5% - as some City analysts predict - trackers are set to get a lot more expensive. So if you're already near the top of your budget, it may be time to consider fixing for surety of payments. See our full fixes vs trackers analysis for more help.
Ready to go mortgage hunting? Step-by-step help. If you're nearing the end of your mortgage deal, download our free 62-page PDF Remortgage guide. This has FULL info on what a remortgage is and how it works. But in brief...

1. Dig out the details of your current mortgage. Find out the rate you currently pay, monthly payments, the total you owe, if it's a fix or tracker, how long's left on the intro deal, how long's left in total, any early repayment charges and your loan-to-value (LTV) ratio (see LTV help).

2. New. Use our comparison tool to see the cheapest deals, now with existing customer 'transfer' deals. Spend a few minutes on our Mortgage comparison tool to find your cheapest deal, which now includes an option to also see deals from your existing lender. These are worth considering, as there's less paperwork, fewer fees and you won't face further affordability checks if you're not borrowing more - a boon if you'll struggle to get accepted with a new lender (though do check the rate's good).

3. Use our range of calculators to make it easy to compare deals. Plug your numbers in here...

- Basic mortgage calculator - including what it'll cost
- Compare two mortgages
- Compare fixed-rate mortgages

4. Get mortgage ready. A poor credit history can torpedo a remortgage application, so check your credit file (for free) to ensure there are no errors, then minimise other credit applications, and pay down debts if you can. For more tips, see 17 ways to boost mortgage acceptance.

5. Use a mortgage broker to aid acceptance. Lenders do both credit and affordability checks (likely to be tougher to pass for some now due to the rising cost of living) that can kibosh applications. It's tough to know who'll accept you and how much you'll be able to borrow. Find a good mortgage broker and they'll have information on this that's very difficult for you to get yourself.

And if you're searching early and locking in a rate as insurance, ask the broker whether you'd face any fees to leave the deal if you cancelled and opted for a cheaper deal down the line.

PS: A note for mortgage prisoners. We know that rate rises have been catastrophic for those unable to switch lender - last month we again highlighted the plight of mortgage prisoners stuck paying up to 8.5% with no prospect of a cheaper deal. We're campaigning hard for change, recently handing potential solutions to the Government, which it has promised to review. In the meantime, there's our Mortgage prisoners help guide, though sadly it's slim pickings.

Free 90-day Tastecard - gets 2for1 or 50% off at 3,000+ restaurants. Plus £3/mth membership if you want to continue (normally £5/mth). Free Tastecard

Last chance. Live in a park home, houseboat, or pay landlord for energy? Apply NOW for £100s in help. If you haven't already had energy support payments, you've got until tomorrow (Wed 31 May) to apply for the £400 cost of living support payment (in Eng, Scot & Wales) or the £600 N Ireland energy bills support payment.

New. Get £100 cashback when you invest £500. If you plan to 'robo-invest' - where investments are selected for you based on your attitude to risk - then after fees, this deal from '&me' (powered by M&G Wealth) is equivalent to a 19% head start if you invest for a year. This isn't an '&me' or M&G Wealth recommendation - we don't do investment tips - just if you're going to use it anyway, you can get cashback. See Robo-investing cashback - including info on the deal and how robo-investing works.

Morrisons shakes up loyalty scheme - is it any better? Points are back, but there are fewer ways to earn 'em. Full details in More Morrisons.

'Thanks MSE - I'll gain £2,330 after switching my cash ISA.' In last week's email, we shared the stories of 10 MoneySavers who followed our tips to save big, and more successes have flooded in since. Sandra switched her cash ISA and emailed us her win: "Another thank you from a very happy reader, as I switched my cash ISA from 1.75% to 4.35% with the same provider. I will benefit by £2,330 over two years, even after paying the penalty. Not bad for one phone call - thank you." If we've helped you save money (on this, or owt else), please send us your MoneySaving successes.

Wear a uniform for work? Don't use claim firms taking a 50% cut on tax refunds. Around 70% of tax claims for work expenses are made via claims firms, who take a huge cut - but it's easy to do yourself. See Tax reclaims.

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AT A GLANCE BEST BUYS

Longest 0%: Virgin Money (check eligibility / apply*) - 31mths 0%, 3.5% 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
£200 to switch + 5% regular saver: HSBC

Top easy access: Hanley Economic BS 4.25%, min £1,000
Top one-year fix: National Bank of Egypt UK via Raisin 5.25%, min £10,000

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: M&S (check eligibility / apply*), 4.9% rep APR

Standard (10Mb+): Shell Energy '£16.88/mth'
Fibre (30Mb+): Shell Energy '£19.38/mth'
Fast fibre (55Mb+): Vodafone '£20.84/mth'
Superfast fibre (100Mb+): Vodafone '£21.21/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, '£7.84/mth' for 100GB

THIS WEEK'S POLL

How much credit card debt do you have? The cost of living crisis has resulted in many taking on extra credit card debt - in some cases just to cover basic necessities. So this week, we want to know how much credit card debt you have in total and whether this has increased over the past 12 months. Vote in this week's poll.

More than three-quarters of you have been with the same broadband provider for two years or more. In last week's poll, we asked how long you've been with your current broadband provider. Around 4,800 people responded, with more than three-quarters (78%) saying they'd not switched in over two years. The most common reason for sticking was the ability to haggle a good price (27%). See the full broadband provider loyalty results.

MSE NEWS

- Top story: Train or Tube journey affected by the latest strikes? Here are your refund rights
- Welsh Water to give all customers £10 bill credit after misreporting leaks
- Now Broadband to hike prices by £42 a year - but you can leave penalty-free

MONEY MORAL DILEMMA

Should I ask my friend to help pay to clear the drain I think she blocked? I recently had a friend stay in my spare room for three weeks while she was between homes, and as it was for such a short time, I just asked for £100 to cover the extra bills. When she'd gone, I discovered the drain in the bathroom she was using is blocked (there are two bathrooms in my home, so I don't use this one). I now need to pay someone to unblock the drain as I'm not good at DIY. I obviously can't prove she blocked the drain, but should I ask her to pay towards the cost? Enter the Money Moral Maze: Should I ask my friend to help pay to clear my drain? | Suggest a Money Moral Dilemma

MSE TEAM BLOG

- MSE Forum highlights: Mine shafts, magistrates & men's shampoo

MARTIN'S APPEARANCES (WED 31 MAY ONWARDS)

Tue 6 Jun - This Morning, phone-in, ITV, 10.20am

MSE TEAM APPEARANCES (SUBJECTS TBC)

Thu 1 Jun - BBC Radio Leicester, Mid-morning with Summaya Mughal, from 11.35am
Tue 6 Jun - BBC Radio Cambridgeshire, Mid-morning with Jeremy Sallis, from 10.45am

FREE APPS, SAVER TICKETS & SCENIC ROUTES... WHAT ARE YOUR MONEYSAVING BUS TRAVEL TIPS?

That's all for this week, but before we go... MSE Forumites have been sharing their MoneySaving bus travel tips. One said to use the Citymapper app's newly-free 'Bus+' feature that gives bus-only routes (saving on train costs). In south east England, Discovery tickets can bag significant savings on bus journeys across two or more operators. Or how about the blog that helps you 'upgrade' your journey by suggesting more scenic routes to your destination. And taking MoneySaving to the max is MSE Laura F's friend, who waits for newer-model buses in London so they can charge their phone at the in-seat USB ports! See more and add your own bus tips and tricks to the MSE Forum discussion.

We hope you save some money,
The MSE team

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