MSE’s Money Tips NEW Amazon bargains tool, free £150 Nectar, £10 Baileys, Clubcard warning, Martin's energy savers vi

Grey Friday starts this weekend. Well, that's what we're calling it anyway. Many of the Black Friday discounts have already gone live, and many more will be added in the run-up to 25 November.

Some might dismiss Black Friday as a washout, but we have new research analysing whether Black Friday discounts are cheaper than early Christmas sales. In many cases, the answer is yes. So it's our job to tool you up to ensure that if you are planning to spend, you can spot a deal from a dud. But remember, as Martin says...

Martin's Black Friday shopping memo. If you were going to buy it anyway and it is half price, you've saved 50%. If you weren't going to buy it, but do cos it's half price, you've wasted 100%.

For things you do need, our Cheap online shopping tips can help slash the cost. Here are some of the biggies, with something new to start...

1. New. Unique MSE Amazon Warehouse Discount Tool

A not too taxing way to hunt big discounts from Amazon's little-known discount outlet...

Amazon Warehouse is a section of the giant e-tailer's site that resells returned or slightly-damaged items, such as laptops, kitchen appliances or tablets, at knockdown prices. Yet it can prove tricky to spot the best bargains in this treasure trove of deals - so we've built the Amazon Warehouse Discount Finder tool to help.

Tell it what you're looking for - either a specific brand item or a broad search like 'toaster' - and it'll display:

- The percentage saving compared to buying new at Amazon.
- You can then filter items by brand or condition.
- You can order by the biggest discount.

We've heard from many who have saved big using the warehouse, including Angela who emailed: "Bought a £200 Tefal Actifry for £70, listed as cosmetic damage. Arrived with not a mark on it. Total bargain."

Of course, never assume Amazon's cheapest (even through the warehouse), and always compare prices elsewhere before buying. Our Amazon Warehouse Deals Hunters' blog has full info on the types of deals you can bag, plus more warehouse wins from MoneySavers and the MSE team.

PS: This is a brand-new tool, so we welcome your feedback and suggestions.

2. The Christmas Deals Predictor - we tell you when big stores will slice down their prices. We've launched our Christmas Deals Predictor, where having studied 11 years of data we predict the discounts and deals coming up for 70 big brands, including Adidas, Amazon and Google this week. Last year, we got 76% right.

And we're already updating it as those deals get confirmed, such as 20% off Benefit and up to 50% off everything at La Redoute on now.

3. The abandon your basket trick (to possibly get 20% off H&M, Asos and more). Log in to your online shopping account, add what you want in the basket, then fail to finish and companies often send you codes to tempt you back. We've collated your experiences to show retailers which have offered abandoned basket discounts.

As Charlie emailed: "Was browsing Asos' dresses, added one to my basket, then left the site. The next morning I had a surprise email offering 20% off. Got £37 off my dress!"

4. Can't find a discount code? Try promos for sites that stock multiple brands. Don't just check the site you want to buy from for a discount code - online stores that sell a range of brands often have a workaround. For example, a Barbour Burwick wax jacket is £260 on Barbour's website, yet buy on the Asos app combining its sale with a discount code, and you can get the exact same jacket for £156. See our list of 10 multi-brand online stores this works with.

5. Make a list and benchmark prices NOW. Our analysis of last year's Black Friday discounts found they were generally cheaper than the early Christmas sales, so if you are thinking about buying anything, make sure you know what's a good price NOW. See our Black Friday predictions for what we think is coming up for the likes of Amazon, Apple and Game, as well as MSE's view of the sales now on at Boots, Currys and John Lewis.

6. Amazon past price checks and more tricks. Amazon is huge, so there are huge numbers of tricks to cut its costs (not just our new Warehouse Discount Finder above).

CamelCamelCamel's Amazon price history tracking lets you see if a deal really is a deal, or if it's been cheaper before. For example, we found an Oral-B iO8 electric toothbrush "62% off" at £170 - but it was £139 four months ago. See all our 30+ Amazon buying tricks for lots more.

7. Haggle big discounts online. While buying online is usually cheaper, the one advantage of buying in store is you can usually haggle. Yet even here, the web's catching up. If you get a window offering a live chat, don't dismiss it. See how to haggle with online chats.

8. Teach kids about spending money safely online. Not-for-profit Internet Matters has a FREE 10-point guide with tips to help young people build good online money management habits, including how to spot online scams.

9. Trick to get free delivery even if you don't quite make the threshold. Check what you need to spend to get free delivery (for example, £50 at John Lewis, £40 at Asos or Matalan), and if you're just below it, add an extra item you'll use which costs less than the delivery charge to get you over the threshold. You'll have bought more but paid less. For Amazon, there's even a nifty free delivery tool which helps you find cheap items to hit its £20 threshold.

10. You've a right to change your mind online (but NOT in store). Many assume shops have to refund items that are the wrong size or colour - this isn't the case. It's worth knowing the law...

- In-store purchases: You've NO RIGHT to change your mind, you can only return faulty goods. For the definition of fault, see the SAD FART rules. Some stores do allow no-fault returns, but it's not the law.

- Online purchases: You DO have a right to change your mind - you've legally got 14 days to tell 'em and 14 days after that to send it back (there are exclusions, the main ones being personalised or perishable items).

11. Get a virtual yell when your lust list drops in price. There's a price drop service covering 100s of online retailers that lets you input what you want and emails you when an item drops in price. We tested it on a La Redoute dress: priced at £39, target price £31, bought for £27.30 - a 30% saving.

12. Hunt out online outlet stores. Don't drive miles to outlet villages to snap up end-of-line bargains, just go online. Lots of big names such as Dyson, Office and even Tesco offer up to 70% to 80% off unsold lines through online outlets. Our Outlets deals page lists over 20, for huge clothing, homeware and other discounts.

13. Pay just 1p on a credit card to protect £100s. Buy goods costing over £100, and even if you pay just 1p on a credit card - the rest any other way - the card company's jointly liable with the retailer for the WHOLE amount. It's the veritable financial superhero, especially if a firm then goes bust. See full info in Section 75 protection.

- Spending less than £100? You can still claim for faulty or undelivered goods under the less well-known chargeback scheme.

14. Get paid to shop online through cashback sites. Don't let them dictate what you buy or tempt you to overspend, but check if you can get money back on things you'd buy anyway through top cashback sites. Though it's never guaranteed, so see it as a nice little bonus rather than a sure thing.

15. Shopping for Christmas presents you're planning to post? It's almost always cheaper to send direct. But if you want to send 'em yourself, Royal Mail will collect for free until 31 December - though be aware next week's strikes may cause delays. Full info in Cheap parcel delivery.

16. Score preloved bargains on Vinted, eBay and Facebook. Buying second-hand is the quickest way to grab goods for a fraction of the original recommended retail price. It's planet-friendly too. We've tips to track down uber-bargains in 29 Vinted tips, eBay buying and Facebook Marketplace. Clare told us on Facebook: "I'm addicted to Vinted. I'd say 90% of my clothes come from there. Even got a brand-new wedding dress with tags still on for £23. Have sold a few things too."

17. Get a discount because of what you do. Retailers offer an array of student discounts, as well as NHS discounts and freebies.

18. Get money off your phone bill through a cashback app on online spends. Link your bank account to cashback app Airtime Rewards to earn 1% to 12% cashback to redeem against your mobile bill.

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.

Earn £100s just by (Christmas) shopping
It's the perfect time to grab plastic that PAYS YOU to spend

We're entering most people's highest discretionary spend period of the year - Christmas and the January sales. So it's the perfect time to grab a reward debit or credit card. Quite simply, buy things through a reward card and it pays you to do so. Of course, this isn't an excuse to spend more, it's just a way to ensure you're being rewarded when you do spend anyway. There are two routes:

1. ANYONE can grab a fee-free debit card and earn a year's 1% cashback without switching bank. The app-only Chase current account* is fee-free, can usually be opened by anyone (there's no credit check, just an ID check) and you don't need to switch bank to it. It offers 1% back on almost all spending through its debit card for one year once activated. It also has fee-free overseas spending & ATM withdrawals, and gives 5% interest on 'round-ups' (the spare change from a purchase). It also has a linked saver account paying a decent, if not table-topping, 2.1% AER.

In fact, the only disadvantage of this over a cashback credit card is you don't get Section 75 protection on spending (which can get you your money back if things go wrong), though there is still chargeback.

2. Earn up to 5% for three months through the top cashback credit card, but make sure you pay it off IN FULL. Done right, these cards can pay more than Chase, especially if you've big spending to do in the next few months. Yet it is a credit card, so ensure you pay it off IN FULL each month (not almost in full, it has to be completely in full), don't bust the credit limit, and don't use them for owt else.

They also have the benefit that if you buy something costing £100 to £30,000 on it you get added, powerful Section 75 protection, which means the card firm is jointly liable with the retailer - which you don't get on a debit card. Full help and info in Credit card rewards, but here are the top deals...

BEST NEW-CARDHOLDER reward CREDIT CARDS
CARD	HOW GOOD IS IT?
Amex Everyday Platinum Check your acceptance odds through that link, or apply direct*	5% cashback (max £100) per £1 spent in first three months, then 0.5% to 1% afterwards. On this fee-free card, you need to spend £3,000+/year on it to get any cashback (if you'll spend less, don't bother), which is paid on your one-year anniversary - perhaps even in time for next Christmas? Fail to repay fully and it's 26.6% rep APR. You won't get the bonus if you've held a personal Amex card in the past two years. PS: If you'll spend more than £10k/year, the similarly-named Amex Platinum Cashback card, with a £25/year fee, is more lucrative.
Amex Gold Check your acceptance odds through that link or apply direct*	Earn one point per £1 spent, with 20,000 bonus points on £3,000 spend in first three months, plus four free airport lounge passes a year and £5 cashback on two £5+ Deliveroo orders a month. Spend £3,000 in the first three months and you'll bag a total 23,000 points - which you can exchange for £100 in vouchers for Amazon, M&S and more, or convert to £150 of Sainsbury's shopping via Nectar points. So if you think you'll hit the £3,000, it's a real winner. For many who'll use it, the card is unbeatable. Warning. The card is fee-free in the first year, but £160/year after, so once you've got the bonus, remember to cancel before a year if you don't want to pay it. Fail to repay fully and it's 26.6% rep APR. You won't get the bonus if you've held a personal Amex card in the past two years.
TOP NON-AMEX REWARD CARDS
Amex isn't quite as universally accepted as Mastercard and Visa, so these are decent alternatives. They tend to be best if you shop regularly in the store brand, as you get more points there. Most pay reward points, but we've converted those into equivalent 'cash' value spent in that store for easy comparison. - Sainsbury's Bank Nectar Mastercard. Up to £40 in bonus Nectar points, plus ongoing points worth 0.75% back on spending in Sainsbury's (when combined with a Nectar card), and 0.1% elsewhere. - M&S Bank Rewards Mastercard. M&S points worth 2% back on spending in M&S (1% after first year), 0.2% elsewhere. - John Lewis/Waitrose Partnership Mastercard. John Lewis points worth up to 3.75% back in first 90 days on spending in Waitrose or John Lewis, then an ongoing up to 1.25%. It gives 0.25% back on spending elsewhere. - Asda Money Visa. Asda Pounds worth 1% back on spending at Asda, and 0.3% elsewhere. - Tesco Bank Mastercard. Clubcard points worth 1.25% back on spending at Tesco, or up to 3.75% back if spent at Clubcard partners (when combined with a Clubcard), 0.1% to 0.3% elsewhere.
For full info on how the cards work, see Credit card rewards.

New. Martin's EASY painless ways to cut energy usage and save cash video. We've added his new video to our updated checklist of 60+ ways to save energy that we launched last week.

£13 million of Tesco Clubcard vouchers expire on Wed 30 November - we've a trick to extend 'em. Use them now, or follow our trick to extend them for another two years. See Clubcard alert for more.

£10 for one litre of Baileys. The cheapest we've seen it all year - normally £20. Baileys (please be Drinkaware).

MSE - the app. It's already massively popular with MoneySavers (see our app store ratings) so if you haven't already, download the MSE app, available on Apple and Android, and give it a try. It's got the whole site on it, plus quick 'n' easy access to our tools and some early-stage experimental features. Do send us feedback & suggestions.

TWO BIG MOBILE SAVINGS. Use our Cheap Mobile Finder for more options and networks.

New. 15GB data Sim '£4.25/month' - cheapest we've ever seen. Newbies to no-frills firm iD Mobile (uses Three's network) get this and unlimited calls & texts for £8/month, but can claim a £45 Amazon, Tesco or Uber Eats voucher within four months. Factor that in and it's equivalent to £4.25/month over the year's contract.

Ends Mon. Cheapest iPhone 13 contract we've seen - 100GB data '£31/month'. MSE Blagged. iPhones aren't cheap, but if you're going to buy one, until 11.59pm on Mon, this 128GB iPhone 13 (Three network) via Affordable Mobiles costs £49 upfront, then £29/month (£745 over the two-year contract). Note: Three is responsible for the contract, Affordable Mobiles for the handset.

Hot Diamonds 40% off EVERYTHING code, for example, £80 ring for £24. MSE Blagged. Includes already reduced outlet items. Hot Diamonds code

Free letter from Santa. See when to post children's letters to get a reply from the big fella. Free Santa letter

Bulb customer? The transfer to Octopus has been delayed - what it means for you. Its rivals have objected. See Bulb sold to Octopus info for an update.

MARTIN'S CHRISTMAS (prep) AND BLACK FRIDAY LIVE SPECIAL. Tonight (Tue 8pm), ITV. It's that time of year already, The Martin Lewis Money Show Christmas special, so over to Martin: "I know many of you wait for the Festive Forecaster episode, this is it... plus free cash for Christmas, top children's savings and much more. We're live at the Battersea Arts Centre and in Blackpool. Got questions? Tweet the show team using #MartinLewis. PS: Rumours I again will be doing a singing intro to the show are nasty, worrying, and possibly accurate."

BLAGGED FOR MSE

- Hot Diamonds 40% off code Ends Tuesday 22 November
- Precious Plants 100 bulbs for £11 4,000 available
- iPhone 13 contract with 100GB for '£31/month' Ends Monday

DID YOU MISS?

- Expect more in your take-home pay this month
- Fixed mortgage rates may fall after the interest rate hike
- Ends Thu. TWO pairs of specs from £14
- 300,000 have until 30 Nov to claim £150 council tax rebate

Martin: Please help spread word about SMI discounts - too many miss out
'Mum got a £15,000 council tax refund for her dementia and had future bills AXED'

It may also apply to those who've had severe strokes, Alzheimer's & more

I started banging the drum on the severe mental impairment (SMI) council tax discount in 2016, as it seemed a worrying number of the country's most vulnerable were missing out. Soon after, we did detailed research which showed it was a postcode lottery - with people 77 times more likely to get it with some councils than others - and 'mystery shopping' that showed 68% of frontline staff didn't or couldn't explain it properly.

We've campaigned hard to improve things ever since, with big plaudits to the Welsh Government, who in 2019 took up our recommendations, streamlined the process, printed brochures and ensured payments are always back-datable. I'd love (and will keep working to try to ensure) the rest of the UK to catch up. Until it does, please help spread the word.

The impact can be substantial... We heard recently from MoneySaver Graham and his wife: "We finally claimed for my 98-year-old mother-in-law. Despite the dementia, we've managed to keep her in her own home. My wife was worried about claiming because we don't have Power of Attorney, but two years after first reading about it on MSE, she finally applied. The council, the Department for Work and Pensions and the doctors couldn't have been more helpful. The claim was backdated to 2012 and was over £15,000! And going forward the council tax is zero, a great help with the rising energy bills." Read more on this in our SMI £15,000 success news story.
Who's eligible for the SMI discount? There are two main criteria, you need to meet both to be eligible. I've kept it simple here, but if it looks like you or someone you know is eligible, then do read full eligibility help in our SMI guide.

1) You need to be medically certified as being 'severely mentally impaired'. It's a horrid name, which is why I prefer to call it SMI, but it's defined as 'a severe impairment of intelligence and social functioning that appears to be permanent'. This can come from dementia, profound learning difficulties, brain injuries, severe strokes and more.

2) You're receiving one of a number of qualifying benefits. This can include (but isn't limited to) means-tested and non means-tested benefits such as attendance allowance, disability living allowance, personal independence payment, some parts of universal credit and severe disablement allowance. See the full list of qualifying benefits.
How big is the SMI discount? The size of the discount is dependent on who the qualifying person lives with:

- Pay no council tax. If they live alone, or only with others who qualify for SMI, or full-time students and under-18s.
- 50% council tax discount. If they only live with other adults 'disregarded' for council tax purposes (ie, carers, certain people in further education). See who is 'disregarded' for council tax.
- 25% council tax discount. If they live with one adult who isn't 'disregarded'.

Is it always backdated? There's no legal rule requiring local authorities to backdate, though many do (including all authorities in Wales, standardised to when you were diagnosed).

Savings boost, Christmas pre-NUPPs & baboon bums. All in the new BBC The Martin Lewis Podcast episode.

100 tulip bulbs for £11 delivered. MSE Blagged. Normally £50, there are 4,000 sets available. Precious Plants

You now have until 31 July 2023 to use 1st and 2nd class stamps without barcodes. Royal Mail has extended its deadline to use old stamps with the Queen's profile on by six months. You can also pick up swap forms from post offices. See Stamp use extension.

Been switched to prepay energy without agreeing to it? Suppliers don't need your permission to put you on prepay, but MUST have a valid reason, consider your circumstances and tell you in advance. See Your prepay meter rights.

Scottish child payment increased to £25 a week - and more families can now claim it. If you live in Scotland and claim certain means-tested benefits, and you have children under 16, you can now claim £25 a week per child. That's up from £20 a week, for children under six only. See our Scottish child payment help for more.

Can I use MSE content for my workplace or community newsletter or on my website? We get asked this a lot, so briefly, we ask that you don't copy and paste our content. Instead, you are welcome to link to the content and can put a couple of sentences as a summary if you like (please don't imply there's any connection with us though) - but we reserve the right to ask you to take this down if necessary.

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AT A GLANCE BEST BUYS

Longest 0%: Sainsbury's Bank (check eligibility / apply*) - up to 34 months 0%, 2.88% or 3.88% fee (21.9% rep APR)
No-fee 0%: Santander (apply) - 21 months 0%, or NatWest - 22 months 0% if you're a NatWest/RBS customer (both 21.9% rep APR)

£200 to switch + 5% interest for a year: Nationwide
£200 to switch + 3% savings account: HSBC

Top easy access: Aldermore 2.75%, min £1,000
Top one-year fix: FirstSave 4.5%, min £1,000

Try our new Car Insurance Compare+ tool

Cheapest for £5,000 to £7,499: AIB (NI) (apply), 5.6% rep APR
Cheapest for £7,500 to £15,000: M&S Bank (check eligibility / apply*) and HSBC (apply), both 4.9% rep APR

Fibre (30Mb+): Shell Energy '£12.91/month'
Superfast fibre (55Mb+): Shell Energy '£14.16/month'

On universal credit or similar? Check discounted social tariffs

Up to 3GB data: '£2.40/month' for 3GB, Lycamobile
4GB to 9GB data: '£3.38/month' for 5GB, Lycamobile or Lebara
10GB+ data: '£4.25/month' for 15GB, iD Mobile

THIS WEEK'S POLL

How much are you planning to spend on Christmas? The festive season is the highest spending period of the year for most people, yet in the midst of a severe cost of living crisis, many will be looking to cut back. So this week, we want to know how much are you planning to spend on Christmas this year - including food, drink, decorations, presents, travel and more - and is it less than you typically spend? Let us know in this week's poll.

Three-quarters of MoneySavers use a Tesco Clubcard. Last week, we asked whether you use a supermarket loyalty scheme and how much it saves you. Out of more than 8,000 respondents, 75% said they use a Tesco Clubcard, with 70% using a Sainsbury's Nectar card. More than half of MoneySavers said these loyalty schemes help them save up to £5 a month, with 27% saving between £5 and £10 a month. See full supermarket loyalty scheme poll results.

MSE NEWS

- Top story: Cheapest fixed mortgage deals dip below 5% - the lowest rate for a month
- HSBC and First Direct to offer £500 interest-free overdraft buffer to help with cost of living
- Student loan interest rates to rise again for Plan 2 and postgraduate borrowers from December
- Need a new mortgage? Staying with your existing lender may now be cheaper than switching
- PCF Bank to leave the UK market - what it means for your savings and loans

MONEY MORAL DILEMMA

Should our friend cover the deposit we lost after he pulled out of our house share? Four mates and I were planning to move in together. We found a five-bedroom house to rent that we all agreed on, and paid a holding deposit of £530. A week later, one said he was going to continue living with his parents, so the rest of us could no longer afford the house as it would mean each paying £115 a month more. We lost the deposit, leaving each of us £106 out of pocket. Should we ask him to pay us all back? Enter the Money Moral Maze: Should our friend cover the deposit we lost after he pulled out of our house share? | Suggest a Money Moral Dilemma

MSE TEAM BLOG

- MSE Forum highlights: Cottages, Currys & copper coins

MARTIN'S APPEARANCES (WED 16 NOV ONWARDS)

Wed 16 Nov - Ask Martin Lewis, BBC Radio 5 Live, 1pm
Tue 22 Nov - This Morning, phone-in, ITV, 10.20am
Tue 22 Nov - The Martin Lewis Money Show Live, ITV, 8pm

MSE TEAM APPEARANCES (SUBJECT TBC)

Tue 22 Nov - BBC Radio Cambridgeshire, Mid-morning with Jeremy Sallis, from 10.45am

WHAT EXTREME LENGTHS HAVE YOU GONE TO FOR A REFUND?

That's all for this week, but before we go... MoneySavers on our social channels have been sharing the lengths they've gone to for refunds, and exactly how long it took - showing how perseverance pays off. One MoneySaver spent SIX years chasing Thomas Cook until they got money back for a delayed flight, while another had a four-year wait to get a £6,500 water bill sorted. As for what finally got firms to pay out: using the ombudsman, complaining on social media, taking the firm to the small claims court and even going on TV were all popular methods. Tell us the most extreme lengths you've gone to for a refund in our Facebook and Twitter conversations.

We hope you save some money, stay safe,
The MSE team

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Martin Lewis CBE is the founder and executive chair of MSE, as well as the founder of the MMHPI charity. He's an ultra-focused MoneySaving journalist and consumer campaigner with his own prime-time ITV programme The Martin Lewis Money Show, Radio 5 Live Wednesday show Ask Martin Lewis and weekly slot on This Morning, among others. More info: See Martin Lewis' biography.

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