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Is switching risky? Could I be cut off? No one visits your home unless you want a smart meter and it's the same gas, same electricity and same safety. The only things that change are price and service. I live in Northern Ireland. Can I get these deals?

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Does MSE make money from this? This is money you wouldn't get if you went direct not that the deals above are available directly anyway. So it's a win-win. The rest helps cover our costs and hopefully makes us some profit. Switching with smart meters Why's my price risen when I'm fixed? Reclaim credit Switching-in-debt help Switching if I've solar panels How direct debits are set I've an independent gas transporter, can I switch?

Can I pick a switch date? How do you compare my rates? DON'T believe the fake ads on Facebook Lots of scam ads that litter social media lie that we or Martin promote Bitcoin, binary trading etc. Promo Codes & Discounts October 12222

See Fake ads warning. Successes are flooding in, you can't afford to ignore this. Since, I've been swamped with people getting in touch to say they've got huge money back, often in days. All of these can be DIYed - there's no need to pay anyone. So scan through it and see if you're due. Here's a soupcon of successes to inspire you to act And these are just the tip of the reclaim iceberg, so do a quick windfall check to see if any of the rest fit, and please report any successes to us, via emailing MSE successes , or tweet MSE or tweet me.

Three customer? Can you get compensation after last week's huge outage? MSE Blagged. Now's a cheap time to buy kids' Xmas prezzies.

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  • Toy sale. So we're changing that with Martin's 'Overpay Plan 1? Mega-popular beauty deal incl mascara, nail polish, eyeshadow and creams. See full contents in No7 calendar. Millions of people buy travel, mobile and breakdown insurance policies each year. Surprisingly, our research shows that many can get more cover while paying less through a packaged bank account. For these you pay a monthly fee and they 'throw in' insurance. In fact, for us, they're best viewed as insurance products with an added bank account.

    Banks often mis-sold these in the past, but for some people savings can be huge. So simply total what you pay for each insurance separately and then compare it with the total cost of the account per year Only 1, avail. A week to Brexit? How it could impact mortgages, flights, your rights etc. But here's a reminder that we've facts where they exist and Martin's analysis where they don't in our 25 Brexit need-to-knows.

    Till Fri. The Book People. See full info in Cheap Mobile Deals. Full help in our new refer a friend blog. Get comparison site quotes in this order:. There's a big 'double-up' coming soon, and changes galore mean new ways to play points to the max.

    Nectar - owned by Sainsbury's - is one of the UK's biggest loyalty schemes, with 18m members. We've long cautioned never to let loyalty schemes dictate where you shop, but if you shop somewhere that has one, you may as well grab it. It's been a big year of Nectar news that has created a buzz, so there are new ways to help you make sweet savings. Not got Nectar? Tu be or not Tu be? Help us test a ground-breaking new Open University course in MoneySaving. It's launching next year, but we need your help now trialling the mortgages module.

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    It takes 2hrs max, though some of you may whizz through much quicker, and it'll give you a decent introduction to how mortgages work, plus let you test your knowledge. Brexit - what should happen now? It's nearly three and a half years since the UK voted to leave the EU. The next 'must leave by' deadline is 31 October. There's now another deal on the table.

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    What do you think the right thing to happen now would be? Women are more likely to visit their bank branch than men. See full bank branch poll results. Should my ex-girlfriend come on the holiday we planned together? I paid for a Disney holiday for me, my kids, my girlfriend and her kids - we booked back in January and planned to go away just before Christmas. Now she's split up with me - do I have to let her come on the holiday or should she pay me back? We were together happily over two years, and were all looking forward to it. Enter the Money Moral Maze: Should my ex-girlfriend come on the holiday we planned?

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    Here's how to make cash from your bank account by referring friends. Is there anywhere I can cash them? Tony, via email. But if you want to cash them here in the UK, you can exchange them for sterling at any Post Office branch. Some RBS and NatWest branches, and some bureaux de change, may also accept American Express travellers' cheques - see a map to find your nearest.

    You may be charged to exchange, and rates may differ too, so check first. In future, you can avoid the hassle of having to cash in travellers' cheques by using a top travel credit or debit card instead, which is the cheapest way to spend overseas. Please suggest a question of the week we can't reply to individual emails. That's all for this week, but before we go That's right, with 63 days still to go, Christmas decorations have started popping up everywhere, with MoneySavers reporting tinsel in Bournemouth, lights in Knutsford and trees in Morecambe.

    We think it's important you understand the strengths and limitations of this email and the site. We're a journalistic website, and aim to provide the best MoneySaving guides, tips, tools and techniques - but can't promise to be perfect, so do note you use the information at your own risk and we can't accept liability if things go wrong.

    This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances - and remember we focus on rates not service.