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To: sue@sarahharvey.com
Message-ID: <A4.42.15234.044327A6@i-0e072b9ba62e98c34.mta3vrest.sd.prd.sparkpost>
Date: Tue, 04 Aug 2026 18:49:36 +0000
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From: "MSE's Money Tips" <msemoneytips@email.moneysavingexpert.com>
Reply-To: noreply@moneysavingexpert.com

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MoneySavingExpert's Money Tips Email=0A@font-face{font-family:museo_slab700=
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h: 100% !important; margin: 0 !important;=0Apadding: 0; font-family: Arial,=
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Shark vacuum, are you overpaying Council Tax=3F, 5% off=0Afuel, the Biggest=
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wABSPrOW1OYDnWRkAGl4q2u5Gn-LjFrP8UvYF1DrHFV8D5SDaP8TblbLIX_TE2oieMZQ88YEzVm=
QL4d-K6KvBCPa4BhAd-LAzak2R0yG-Os6Pif9KKlDZDuJEou2XonFmaHIPpd4rtc4vULhL98qwJ=
l-8YTbkF-CNeX3sJQk079hT5FReCeYKdHewsiitqKhv0se1MuMOfxljo5cONBdFVJ63KJdQO4BB=
6D5VM9_zBgp9Srel4kec9mdTqWZegEf1b_ZajPAMwmaAO_u5H4eFSWtvxZnim0p4_DNMvLm )=
=0A Urgent. 5% savings ending =0A( https://clicks.moneysavingexpert.com/f/a=
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DK1ZJA6LGh5wkJpcg8RVi3fnGvnch5cCI07kSW3vK2cbbOdiRON4hTuauts3T39IxA-itM-g2Zd=
QioCoE5cBzPACNNvQhDNlD7ZRP_sWwNZNIV3kXXI2CaXavA_EiRcrcQJAZcLZ1XFHoJr2pYieKX=
KyDMZRayWHcnagNG7GXkqUnNWch0O_1tct2MpBqdAD8gIcyJZCL1RJrZ-MfrXNFHSnxzrFlUNz3=
nrV6o1iL4pLDm7nbM6FcNx_W6IOMcMXJ-BfzgMlUGitIqm4QRMI1oNcwQMQ8VGBs0xAxMA7GaDD=
u9pJdB4Auei_kAGNDfgcCiXNu_tlEJ3XmktljTkI4EruEGEpE_nhtmZz_DMPRkjtecDTmgZEOhX=
j9GisXEFkeOYgH7vJOYjWH8SLSSFm3gFqw86ZA5vPBkNnKKovQtX4XQ~~ )=0A Martin vid: =
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j-u_dry2DRbIanev0Ig8F2FZTb_J8eNNU8AQ_20rNFSxxDCbvI_5oGkkKa3R_OFL56tGp6cy-Pf=
TkasiiQ_S21voryEYC5D_QKpS2JyHWWUOyz4Ox45iwPoGYZ46CTm0EibNL_I5icw6KGz0OKQ76w=
2hUTiqmYeXXC6ZKGKgAjSGlz0HJt4Bq7G_yGlfRdNfSnCvtEv-YBXtjds8CnGLqPsQXSgX )=0A=
=0A=0AEnds Mon. Top long 0% balance transfer card gives=0Ayou interest-free=
 debt till 2029, plus =C2=A325 cashback =0A( https://clicks.moneysavingexpe=
rt.com/f/a/gte9mtSGPnONgKBkyilUyA~~/AAAHahA~/-JJWFMQRIs3zXUVMAkNYEWiaFDe4_e=
3uH4PgmULtp0rdNOvPIS-V5VW6GBN68BF1whaFtbByKLXFKTd1UAS6rOgm6-0Mi8JlkKSpt33yA=
wdQ4UOO0dZZlx_Mr8xvwPZxk_vo3gq0yI6L9t7zcY61BFhGdPj4mVFcsq_U81GkBJgctwxc3BeN=
tV5OOR95UV6frzqJnTqBS_3Kl16Trxf_M2sUwSZypDJstR_XPQmS37muPW8AWkKgKv4P9f6M2mZ=
mIfIpn7EeKoNYMjAWA-EgT0BrCp-S55TNd2GXDaoxpeZDlHZ_jKXeX1km2mV1FA4Vszaju0qKc3=
5u-CabjZiJdpgKoH1CWSO_OUikMU8IiTgRao7u33jABaaXvA9uURSbF_fYOfMmDx8oAPs9fIqSM=
aqO4LSPD734U8Rm0wL0A26-m3IzM0oMNgf_ReXkaSrUCN543V3elx1Lz44KExSTPQ~~ )=0A=0A=
=0ACan't afford to clear debt in full=3F Then you can't afford not to=0Ache=
ck if you can shift it to 0% =0A( https://clicks.moneysavingexpert.com/f/a/=
ks2X3266mPWrGyvI04WPuA~~/AAAHahA~/-JJWFMQRIs3zXUVMAkNYEWiaFDe4_e3uH4PgmULtp=
0rdNOvPIS-V5VW6GBN68BF1whaFtbByKLXFKTd1UAS6rOgm6-0Mi8JlkKSpt33yAwfdoGJHXDfy=
5Z1O_wqpIVqf5sBN3qr2mSGfyxMfyXQaYVyzMV7at_wo3Doh_Ze2KhtfGkOveCsR5X8oHkAYVgt=
ZmWH3xsk6ZhxBTNxylmIFuyXdtEZereMLnNMRXnmFov9kQ_rXru_erLV5ayJwkxZLHfsDDEIntu=
v3vLH90wNMMhGp3tZy61BwNO2IyqcEW-YbbO0ooVqqxo-pc2nx4VG1Gxk_O54pc3-4Roy6USkC7=
hCXVqY_TlXh9TaXpFerACpGGpRsY-D6zC10-MA1VjkFz9_yChUi4DMIA5X9eCIwG4g1Zl_zO4Gm=
w64PG8J0yoehLoUwAErtD1TTP-maLbBw-TsaVJTEmVjqR61X3rMPwA~~ )=0A=0A=0ARight no=
w, there are three credit cards offering a definite 36=0Amonths interest-fr=
ee for debt shifted to them - so all accepted=0Acustomers get the full 0% p=
eriod. Plus HSBC will even pay you =C2=A325=0Ato sweeten the deal, which co=
uld lessen - or even eliminate - the=0Atransfer fee... but that's ending so=
on. There are also a number=0Aof decent options for poorer credit scorers =
=0A( https://clicks.moneysavingexpert.com/f/a/gufYfQs81vX2BF8GrNyeYA~~/AAAH=
ahA~/fT7lCMxbqMOKQRfpJj4-P0Onl-djfIq-cuLU3ekJDK1ZJA6LGh5wkJpcg8RVi3fnGvnch5=
cCI07kSW3vK2cbbGo3-jgyep3Aj_G4HY5hhfuhq8gGd094nDxeHvzFUQvzCySxBriShn-hEsNW1=
Ah9MVYpQoaGIVUMDxRPu7FLxL3u8xNaa1wH0c2ZPPFmliS4Y_5jaLoJ3i-n2CezLjLoYwZzYPAh=
_HWhFFxeVgwtz71OQfkRH9f7b5vFDw4o1GjUedwRZPJlN1f8VQ7G9DbtSQ-MoSQCZfoY56AzXBo=
mdvR3gG6Z67KemU9JJdDZd1sonHyjFnV187VWi6PQYjhPE8FPcih-vZJlaVEspWi00IXW14Hyr7=
nWuxQyvu0f8SwHGfOio9X9HVBPgtYVhCQXBxdWtqXC-SepXPdIggi71ESs1ch8QmxTfsBywHaON=
oENhWM8Dz02uYpMLrL4NZYDyg~~ )=0A. So if you're paying interest on credit ca=
rd debt, it's a=0Aperfect time to check what you can get...=0A=0AWhat's a 0=
% balance transfer=3F It's where you get a new credit=0Acard that pays off =
debt on your existing cards, so you owe it=0Ainstead, but interest-free. Th=
is means your repayments reduce the=0Aactual debt, rather than just cover t=
he interest - getting you=0Adebt-free quicker (just don't borrow more). Thr=
ee key tips before=0Awe start...=0A=0A* Avoid rejections using an eligibili=
ty checker. Our Eligibility=0ACalculator =0A( https://clicks.moneysavingexp=
ert.com/f/a/IAV3L0oRLtII7ahJSbF5IQ~~/AAAHahA~/lfdLmfEOAKRutZDGqJZxWJchX9S8V=
pnHP5_vxIH7LsDfNZJN9fX6bJqu18H3OlFKiBfW9DNI52rfr17tiohVZ2ln4d8eWI-Bmf9Xx7yQ=
-q4afkRXX6DYtWPjJUtgkK_Y3fkJ9Ihp3oUkCT44dn5t_3y3aBo6AlC-PL52jbERlFtLsmo15Rx=
5BTleOGT3wKtvmFjf2r_1uTdzjuN-VNVyjX1DQvWmb9QoLdjaqplCBMfw1VrRSFRzu6-4ZDD17c=
qkUk0JbrUgOiZOxgxD8lDSjhKZz_TNMoXyOiH6LpVRD0_lp3GSWnFrIBIuVLmDQo8ABcwMeRhew=
xs7bBC4VPDS8drO0BYwrSEjdZmzgGIauK0n3zrJuDQPPvIFrvplsBgp6zZlXfxSyacQXBAF4pZE=
-IlsJUXEvg8yT-zn83JEmXSXJsQtzOwRJRfydNh16vLXfaZE5PTM62HctojJrQTyIA~~ )=0A s=
hows your odds of getting each card, so you can hone in and=0Aapply (via th=
e calc) for the one likeliest to accept you,=0Aminimising 'applications' on=
 your credit file.=0A* Go for the lowest-fee card with a 0% long enough to =
clear your=0Adebt. The longer the 0% the bigger the one-off fee (eg, 3% =3D=
 =C2=A330=0Aper =C2=A31,000 of debt shifted), so shorter 0% cards are cheap=
er.=0AUnsure=3F Play safe & go long.=0A* Usually rejected when you apply=3F=
 MSE's free Credit Club =0A( https://clicks.moneysavingexpert.com/f/a/I-2pF=
zglqJIfEBlDslQQxQ~~/AAAHahA~/xoUGRdYpPH8l5MPWoFjJV-15nLynlz7-uYgTMQNRL7mWuC=
EJcoCor0YILkOZ4k5kBxGpc5iTkaHjWOByb9_ExiRQAvRod0IpqkhevqkqE0dPS_khhAqKwhyD7=
rw8A697YhbBjjWCDfolDBYRfpwvs7a_e08hkT2HnZpdsHCjkbzJF4zen41OS6liVLX6RvcjKRtz=
LmAbw_lH7GWyjZey_FWTKyzagGoI8MXaemsFm8Fm_t6W-nAM3LFKvIv-RL_3qWlVZKYPrkAJfV4=
kf_bj4CisySwV0_KX4sTrDownNddQOyPsIijxfoFLveeqIL2ptwMQZ4xQONV6U_GnVW7hLc-7jG=
Gom-0gNRAyTe8j12xNNartpp4oOmtCBuF89FapKHgOjpZJLjKqCprSqO5WmoxzLbd1zC6VGmoA9=
P_80wU~ )=0A (available via the MSE App on Apple =0A( https://clicks.moneys=
avingexpert.com/f/a/dbsRyjVNZATmcRusQKd_Qg~~/AAAHahA~/4db6rJ25xTANWCQFYLI-h=
Dy3pF5vptBlmLzkWW8CVxJ0TaX2a1Z2HaCXXaxqqz9UKgIze2WKadE1WVn_SUpBIF8kQF1H1HzE=
qCfDS68uYaQVsghON-2aRLomLnIU7ikJD2Lo2d4iFQplqdk4R8dWcht6gl2m0D07OdLvJhkXZzh=
1mkL2nKIDH_TUaK1U7HfI )=0A | Android =0A( https://clicks.moneysavingexpert.=
com/f/a/YKilLvnd6NYOgqBQMJ320A~~/AAAHahA~/4db6rJ25xTANWCQFYLI-hPi1_gGhm8Tw4=
m8Mhjons7XG6JwByPMn9zbmgJYJuXGMG4SS0pXdijDGpzDUWMxCIo7XrRZr_ggcZ0fSpw8J3seo=
mWHwS2BmOsGhynKslaktoiKyLWH6zkX2DtedSUJqew_nWFkxX-mSAt0BU-wD10L5sSqp-yJG9k8=
dpP9ZlRbj )=0A) can analyse the problem. Plus you can also access our=0Aeli=
gibility calc =0A( https://clicks.moneysavingexpert.com/f/a/SyQA7gdhZWvkt-L=
HFZFXKA~~/AAAHahA~/s-EJlEG3tHom05WRaL9gPFeEpzJK0qj0WADC88IQONGpon4pldMEWGFa=
O_Hs2T6O3tJJLgFYJcxuQ_a2CuP01pOMu8itP8QjFtgarF4I_TOMDVozJZXwSC1wbQfMrxF6Tbe=
6r2I2m3DbK0jSHhBKhDxZV3omsswUNKAlP17eNc2z6rTeqhJi8CIzLDzr1lFfX4jEXfIeP9DAaJ=
pIwOW6OLngP1LA5eGnvi_OLehzOF8W_0I96iIpSmNl651ieHfvBtzssxmhZHIugyURYJ4axAy-R=
dDIaFvlQVDEO-YygfAlQ17usHZbrwTxFGoEwmBTGENlbqBYjwT-ZRhVwlgHZC7fSUAnsnJyIayI=
kTbxbc8CYnwRr0ZRUjsGWCUkX_MG21WKIpS32QyfBztOK9HvV03UR9w9COx36lZH41UTIA7JRbC=
1lCuqL5iyP87esEYrOd4IUP5OYzGhGDF7LVZTjw~~ )=0A there too.=0ATop 0% new cust=
omer balance transfer deals=0ALinks via our eligibility calc =0A( https://c=
licks.moneysavingexpert.com/f/a/kl2vFnA5ocICyPEbhueEAw~~/AAAHahA~/lfdLmfEOA=
KRutZDGqJZxWJchX9S8VpnHP5_vxIH7LsDfNZJN9fX6bJqu18H3OlFKiBfW9DNI52rfr17tiohV=
Z2ln4d8eWI-Bmf9Xx7yQ-q7bZHFV6wjQ2gFlXdnRFq1rkebrmdrhnMzYUDpXBR407DawvAQXhQg=
U2SE7eLnCK7j3iyPV2asnUrsL-4zQwCAgtNIQJfSJlqTnnDE99DWBK3l_ewpAzqCjIXSek-8rPo=
9cNuh3QPJZLuwgeOenvPGqN4DJD77KcuddAWQJ9s04aCGgz46bXb7K8L0lP1R3H_QAf4XqlxFgP=
inPujXxWxR3G98AFF02lQDTi8N-9bdTo-05bVIgu9BCZeYMtlmrXZO55DmsEn3dpbjDw6uAMsoz=
u6YF3uaY5LeG2LnYlOa2aijUqT9QvqbHpe-Zfv3TArbXy50ZoPf83Wws9CJn8vDAYhunnJew7R6=
63GV2X0dVGg~~ )=0A to see if you'll be accepted (except TSB)=0ADEFINITE lon=
g 0% cards. So ALL accepted get the full 0% length.=0A=0AEnds Mon. HSBC =0A=
( https://clicks.moneysavingexpert.com/f/a/DzImXVFbxMbfmxcyKmSG4w~~/AAAHahA=
~/KFWl76FrijweURzGogTIu2Z-rbyX-TYbZCoxtkMlCdfHqYx1rkJZhWhhoHf33T7__3b-JS6Wi=
muIUXMwunSIDRDtyH6VzvIeFDM-nn2Go1K1RIV_d8bmbHUeYd9ZuMksumAWI2Pt6jY_-ALF-GrJ=
vEHYQS4X5GdIKPvRs1hiItwVm_LknNt3Huk8qhg2D1OACXrkwj6Rbm5DQ6ZiXIExjNBoymJbQha=
5RrxAml80dIgSSCQ835UFhZNpawIFkQMsMaEvbxwW0SJncsbcpZv5IpqjICPZcir7Z3XJvHDXd8=
AyUPbKC2QFx8qATjnfCVqP9rlQgRVPUUOFXKH6My077grzu_JoqGCKKuX3j506TBrUj5hQaEXtE=
Kh22snoPSluoOj4-73hpFRocBrNivCnekO8lVXaTCU5N0ny3kv_a-NvzHWoN0_lfIVn3nZ_a_L8=
Djcr20yMpEBMctfCU0NSalFd2LoBOXIjjT0rd1rFHUkMxTsxN2vU4ql7hLZXcEBZF-gpoBmYO3M=
V-eJ7f2NzTxKLt3p2THa3vSwwJ-TzkA8~ )=0A 36mths 0% (3.09% fee) + possible =C2=
=A325 cashback. 24.9% rep APR=0Aafter 0% ends. Apply by Mon 10 Aug & then t=
ransfer =C2=A3500+ within=0A60 days to get =C2=A325 cashback (paid within 9=
0 days). Existing HSBC=0Acustomer=3F Use this link =0A( https://clicks.mone=
ysavingexpert.com/f/a/hqZod53tBZ1Gr3wY1ZmZmA~~/AAAHahA~/CI2Miha2yIFPsgVeyyO=
BQL-RvFW9ZznOZ6gxAsF1H9elNKb1uGEnsFR3q-5ibpnhEinfQ98NQtpVD8HRZVuVhdKb18hJBD=
I87frf2QqQMeu5tTsOeZelSj_52Gs2oOjQ403axyEn3JYzZNbFsTrEO9LkC6N0GowFWET8H0EBr=
GzHcUtkNKwdYyMAglnt99v_MOrQHAYjlQiOYfQkgqKS6XYqP8XaHKNWXNIYZUUdTTYW_m6x-eFn=
xONkjUJz8tRdQNntUT72KIUvFWUNoanDsixLrU1SrTECNHR8YzNfBJb0s274JkJ8R1i_EPTRYa9=
xUXoIYvdoGzJx80MjVrOGj0ZJMd-IicZpWxfTSa_dboLlQiYCpd7taiqFUazMLY6J9xT9nfPubo=
mJQnLhpk_T2vu9E9vsZ7il7RzKXtTF6EzWgFYNemBsqSRU-N2OENdNcBInZndHMiSbFejQVcHo_=
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ETNxzoP2I70~ )=0A.=0AVirgin Money =0A( https://clicks.moneysavingexpert.com=
/f/a/aiN0DLVCtBiLcCPXj4W8zA~~/AAAHahA~/sVAavdx1-uIG3jd-gohG1hNIPYF8Qi0bithI=
9vexGtKbjGTSPwiQXNmX8s-ClzzkpHmnEo3_Kkt1bmxDmJCWZ5nh5NOnFYLncTbnyzu_tC-nmht=
qk_vIRAPaQdlKw8JS73tyNnGe_AmSRFozbSanLe4UaV2GMLUqn6wnUyepRvx1glB5s6pFy_G3mc=
kAwFW0kLm31i99zpA_Y0XF4DIV3AR2U5DON1R3wAqAx3nYdI6_laWumShtzkMRPurKw0huOQFnL=
lDBftguIN39pYGeHEZKBoZtYA-P8sMMj5Dqdsa82FnO4E4p1sqbLWB_bwC-xVUrluL9x17-Zwoj=
64Omx4K-8Wjs7aHU_Vh58WIvOln9w6ZxYsb1cByN98YYHJ3cWfWBvsiJYXHyPgt9G5MDzLep9EA=
AD2I6njksoWwtceoEf7BiqXR0YnNaOBXzPHXksssN4gg2DtB7ICRizgum09KsvWJDp8IbBezDBT=
49yUaGjpCS7fvvt4bon9Kz6_PKK57HpWj_Qh2E-oqYpui_Ww~~ )=0A 36mths 0% (3.1% fee=
) 24.9% rep APR after.=0A=0ATesco Bank =0A( https://clicks.moneysavingexper=
t.com/f/a/mxGTr1PGfECou3tBzMazAA~~/AAAHahA~/uMBMyqQYlZOd6J5ky-vABevyeLW-1Mj=
atzNt93Zlujc5a99UlgTDoWV5gHwG23tCqIz_63ApOqz2Y9JgfgXMHVy_0LudEqX6VJOFfbk9t4=
pSFITMvnjSxfqayCJRr52bdCozAsthp8YEGrHNc73LTrMv3W3jRCY_j3WbZFGFoi_AJWnBHab26=
WMyw3ZPMMAlAAaC3R1IADkS-hS9PDGZHi8UzRXYWHTAkG_7FFuy_JTHilOQ06Nj3ghC9_FWKGua=
j-OiOkiiYsQccR25ygZ-LHVBlId8IVs6D1JAc9VT60mS5DJnPdeJaQO1wQ8qA0B4WIjqGeDSg_P=
__8cm_qKY9WX0cPXelI3Hrwfft8XCTFjKqTbnFFUxF4CXKIMylPJqzaWMJ6q1PKHkSQqJizW4sY=
xjVTxxG-FEWEt25EAu29jkTwfIaUyiBx1DE8EzMbzRPR01cJkr3_u4k0tGxtfUzrtc5QRiJNmD_=
aAoADyiV_rx0d5SDZfH5b_kwQs8Ffl_JaGE2-JgIp3EBmvvYzMSfHP4fKK26ISuqUDBsrLtlow~=
 )=0A 36mths 0% (3.45% fee). 24.9% rep APR after.=0A=0ALONGER 0% card, but =
this is an 'up to' deal. Here some accepted=0Acustomers get a shorter 'back=
up' 0% deal.=0ATSB =0A( https://clicks.moneysavingexpert.com/f/a/cjpdcm4PIK=
mUnubHFMFa6g~~/AAAHahA~/xS6o9uZjeaOjQR3pVkO-vQikQEbJfimPfYO4cq9w1rG22Xm5WTu=
uU0XeAWGCmcRGpl6mDVvcSewI2_fke_njII5gcn8hDmmk00KKc7a-Do3WCgamoHscnco9DVNUBi=
F1T9HdHAjHGXVL9nv6nEvQVX-arQqNQ69LmVRf0xbfDlLld7YPcsytpFVAK9KXQMp9nqToFygNR=
xlEVFmCUC3o7q1keNFUuMCkYczPrdUvuuWUo0SYdRklbHsGyoC87n1LAYoIxfbZyDbTqYZnmD01=
6hA8Ttt_gGArTH_-yc6qIg7CUrqNDwMc-EkLJX3iJMqZT4q7LN6dpXT46wL5Vi9QaQ2bQqQFYuB=
MfavcIKJ_UoLxd3lzsu7Axtp_8LaWvaM3VvqNwQwjTL8mcgeORvJiwyw7xpgeVahSrFTs1NFHUu=
g~ )=0A 'up to' 38mths 0% (3.49% fee). 24.9% rep APR after. Some=0Aaccepted=
 will get 35mths or 32mths 0%, with higher rep APRs after=0Atoo, at 28.9% a=
nd 30.9%. It's not available via our eligibility=0Acalc so the link goes di=
rect to TSB.=0A=0ATop NO FEE 0% balance transfers. Winners for those who ca=
n repay=0Afar more quickly=0AVirgin Money =0A( https://clicks.moneysavingex=
pert.com/f/a/PYdmZT2hlNnT9E_W_pGp5g~~/AAAHahA~/NiQ2F0byFxVhebOEaIcKXSNjjRt9=
-mOPAQDwZahd74SEtAFy3tAwuCH8YhYKjMctmC4xgcd_VuEgScm4_OU7fKaIzcJKowCwNR-6hVM=
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BkwMaObi-jysDgiD9luIBFHqhMWM1RvyiCpEYFzgsKItkggyFCq2ydhAj61S3Advd_XL9aIMd_s=
rgc32tvNGrVCUBoprzO6ViTcPjhdUqgd0Ny4aN3CO9Lpa4SElI3LnEbsZTHwAUrYa15-SW_r9I9=
3iwOb_b6KaUo8iSn2rFqfyGLQ4JwPIeSf8YZWyqjjJRczZHSsnEqA2faT0f3oHHYoZRPHjGuS3z=
72WpvOwDglvfssKzaKcf8rVtSRXuGqwhiBCHuO5MMvTioPeBlqUPX4uzMCcrXqU3DD-5OHgjroP=
fV3hV9X9SAbS_ARlD0IF5MHmVS4XgyTvEpjHuWD-0Q6jsP3u4wdTCYGmo56YyfNqtYp-t0JVCIh=
_Q~ )=0Adefinite 12mths 0% NO FEE. 24.9% rep APR after.=0A=0ABarclaycard =
=0A( https://clicks.moneysavingexpert.com/f/a/VW7RVSojYpP2ioRLY_XMTw~~/AAAH=
ahA~/zSFFWTo0Cu4BFBmjE6H5hgf4wRoI3RbyJBuU1cprapEICzss4SMnY6JrV9tEgBJR_ijlff=
iEsXP25bncXfe6aEZ1Z138Blv9xYZC6KOtS1dCDRr3afTgACDofFiG4hw11Fsg8HxSuS0aWNzSU=
7yMmPCNSn3xHMcmNs6KbqDncYO55ZpScaIUodI4YMWRcuj1wdkuS5T7zAPuMpTUZhAP7R1wnR3k=
r1_ZCaDXiYr7TPO1j4tiGGYw3Fb2LIMED0nY0oTW66fjdMvdR-kjQE8gYzJEgYwMm685gNnHYw-=
WtzkBCbT1x69B6DZJ3Fyk3zPFaes3MOWFpznzR32-4cpAY32cEUITqaiSNtapi8scJu4umwLPz5=
-jPb8x0vFdMWttU5lONrind1zIBcGh_MMrfQf0n7DZr-7hkAgxlnf7Z144DS6_uVM4MbM20e8sC=
a5cHJaODw0sIbCXwFtY5pTVRNy8c5m-e-J0QMcd4DllOGb9SJjz8bXZrbKcYPDl1J4WijFJTtSQ=
yvWgkFX4qM4hwg~~ )=0A 'up to' 12mths 0% NO FEE. 24.9% rep APR after. If you=
're not=0Ashown as pre-approved in our eligibility calc for the full 12mths=
=0Aat 0%, you could be accepted and offered 12 or 6mths 0% and/or=0A31.9% i=
nterest.=0A=0AThe top POOR CREDIT HISTORY balance transfers=0AIf you can't =
usually get the top cards, ensure you use our=0Aeligibility calculator =0A(=
 https://clicks.moneysavingexpert.com/f/a/6GtuJ7KURNUFy7TnHlnqJg~~/AAAHahA~=
/IMpb0odD7tr5G_aTELOu2i3n2l32xKnOmEeDtDKthuVNORyvcq5BX8gaQWUuxZ_BuiWRiJHgQZ=
EGZ_69rJm2Fo1qBCCqT26yFMxLfxowGzoxgbO1tlL2gKbd7DbbXN-y0TMHO9Mf2Tx1Aa3Bly7oB=
9XsSfZ9bxfCSYFvFgi02lxX9rxciGPvsXQG86xEeJBIxbe7-8z2PrKXQhdjBLddo2ufEsbnWcG8=
qG3evIQnbnFH4j_CVEUar3d8DqELR7o7SURoCs8gTHtqIiKEkVqd2IP-NKLx-QLnutxe_PNjnBC=
a857jmnTfu4zGn7CemyebhAMkB_WL42TUK28Bqafb5ohFggIOFlKwZMhl4CD9K63o0kJuguVR0j=
NHsxOWE5yGqr6FKkS_AQUJpzcX5yHmSQNIYrR0fbrWZv57aZnalWWJBy3vJOg1TjrUzfwFAY1gc=
2TcHCzyMdXPTcNX5kb-zQ~~ )=0A as it will show you the cards you've the best =
chances of=0Aacceptance for. These include...=0A=0A- Capital One's =0A( htt=
ps://clicks.moneysavingexpert.com/f/a/M9GJShMVOicY0gPdfg4uGQ~~/AAAHahA~/zWa=
vAdJ-atJpUzNGZ2sJzhiKAGvjF_1wl7AaUPiZ-2Sj_mpy2_jjcOO0O3-ShmrjHgtmKrAMAkbD3A=
PUVPG_bRmOm4tEbf32S8JxLTBlOiTj2f2fDnKiCQWp9wGc8-vbg8s1-eRiZWpFBxmsJvMkjyBbv=
y0SvUfVjkAZDhH4sCi4xYfu1Z7bd-a4y2Cd21M-0_fQQzGwgGmmuXddMo59obkL9lOUnwLqxmZT=
WhvebuPJ_I0-S6jWt_D6zClyjJPcW20MeWMDfhKsIqOXs-aO-kLUOVmD3CBrKezicGgHuo79D9s=
mgd3rbRxMTHkH6PwhKiJt_1d4JPN7qx0PvYEJ_v_p2VlxPon3gguHFyvu-xFyMIbZNPx7NW7QXE=
LDRv6UHunmiCf6J0nIFqb2L358e8KYi84RcB1dinH6OdoqpskJqqqqdjG2TChj1pv1UTjKf7qkP=
L9GoIFJSbPYYxOFVGI310Swy1uWM4FDU-DmJW0kiDsimcLtl2ReSNv8-pUQNFmsxOP5fnKoxSU3=
0OHzdw~~ )=0A definite 22mths 0% (2.9% fee) 26.9% rep APR after. Note: You'=
ll=0Asee the card in results if you've a chance of getting it. If you=0Ahav=
e no chance, you won't see it (but will see other cards).=0A- Fluid's =0A( =
https://clicks.moneysavingexpert.com/f/a/3mJHgWN2egzif9z7DmPz9A~~/AAAHahA~/=
G3iiaIHK3VratQhIQhyBT_S-_JwIXcAwa0II1cg21D8hzKvV4o47_QYJIeyN7BtYET8UUuv_w84=
VatzUcKF54pWdlLN3XDPVQTJmw4qW5uxCS5LkokMewm_VcKjHbRkp6LBxl2kbADhlWhjhlgrEIL=
FYfHx0qndcp02ur1zu5JX-yjPbvWx6Onil2Ezuy2phd5qU-2Jf7eZZmz_MUUwrW02qRYWhAXCKV=
p1rBMm7nPyWOPcBTC_Q0klgpEcaurWsICbhahLoHWPs_3SLJ_2JxbIDtDRS-amMOT5uykF0ZZ8r=
EUlrIL-rPrntnzFwHDuJBqHDoA2yDlGrBj5-eYB_PCvntxtDYmCM6VBSzwqqFG2rW_M-looF3rO=
zDFolWQHGpd6Dz_YRfc4e8GICLr2Pp2Fzzqb4YGjWgYUEWdnQdxwNha_SCvJvPbn-xB4qw-erak=
NIPZc5QuFpaHMqsypoOZ_6ibXeg7-7EpAAPrWSvwsrwPZyBuTYGVTk5Kui_vwseapm1U4zdIopP=
MC23xwFUg~~ )=0A 'up to' 15mths 0% (3% fee) but extreme 49.9% rep APR after=
,=0Aensure it is cleared within 15mths if you get it.=0A- Capital One's =0A=
( https://clicks.moneysavingexpert.com/f/a/qxDWQPxI3W2gZakQj7VxCg~~/AAAHahA=
~/zWavAdJ-atJpUzNGZ2sJzhiKAGvjF_1wl7AaUPiZ-2Sj_mpy2_jjcOO0O3-ShmrjHgtmKrAMA=
kbD3APUVPG_bRmOm4tEbf32S8JxLTBlOiR5M0RthJzDxIu-wKhtoc_xAT-C4RJ4-0AL5JRDXfAw=
dIlN9rgVjG60GYkycv9_vKazvOJGKMA3ma9GJ2dkazw8S6r2WdfnI5a6zGDnE7jLJ2Tnbt35YNf=
_noCejTshQNnrSOJ7MUQ00HTeREUCgPD2jq19tagPTrzUGxAm9DkfFYqBwHEqky1XXowHQ8-2n4=
uj7Yz3gORGaY1x6mLpmXWf-l9qmIPc9oMryZzRCP7cdDjItp-6CYLlJzF7TrkzgwmXIU2qrjPOM=
KHHa5GdpBc_zyT0OR6GYU9XLnYFQbDJn_UHbOo6_T-fEbVfqJw6nO65S0O2KoWBdcUYx1_y6qB1=
VIwZVK4wijGXWAH2_S_hDqzgyC6rWMMBtqm7s4s8MY52QiNmnkf3RAcXSm3VpRPRQmvM8mTQwqt=
vmW-nD1kbaA~~ )=0A definite 9mths 0% (3% fee) 34.9% rep APR after. Again, y=
ou'll=0Aonly see it in your results if you can get it.=0A=0ANone of these e=
xclude those with County Court Judgments (CCJs),=0Adefaults, or cleared ban=
kruptcies, and Fluid allows income as low=0Aas =C2=A35,000/yr. Yet with all=
, acceptance depends on a host of=0Afactors.=0A=0AThe thing to watch with p=
oor credit scorer cards... the APR=0A(interest rate) after the 0% ends is o=
ften higher and with some=0Acards it can be 49.9%, as you'll see above. So,=
 compare that rate=0Ato the card(s) you're shifting debt from...=0A=0A* Cur=
rent card(s) APR is lower=3F ONLY shift debt you're certain=0Ayou can clear=
 within the 0% period.=0A* Current card(s) APR the same or higher=3F Shift =
as much as is=0Aallowed.=0A=0AHow to properly use 0% balance transfers When=
 you get the card,=0Athe best thing to do is apply at that point to shift t=
he balance=0Afrom your existing credit and store card(s). The new card firm=
=0Awill then pay the old card firm the money, so you now owe the=0Asame amo=
unt (plus any fee) to it instead. Getting the right=0Acard's just the start=
. Here are the four golden rules...=0A=0A* Clear debt before the 0% ends. =
Pay it off or balance-transfer=0Aagain before the 0% ends or you'll pay the=
 higher rep APR.=0A* Never miss the minimum monthly repayment. Or you can l=
ose the=0A0% rate. Best to set up a Direct Debit.=0A* Don't spend / withdra=
w cash on the card. It usually isn't at=0A0%, so will be expensive.=0A* Try=
 to avoid further borrowing. Think carefully before=0Aborrowing any more. D=
o a money makeover =0A( https://clicks.moneysavingexpert.com/f/a/ZA8HDfV1lZ=
2mfVgap_65BA~~/AAAHahA~/GOPU0qf1Qgca48WcHe-2GqfECxUWE-WInUDdrS42hLvb6BGMYUa=
hTqb9LlQ5pBWmzmhWsc873Yzp8BHC2FS93Kbv3SO2HFnQ2J0sXhIYaKsbZ9cTmc--GYt-v5CKQ5=
hZCj-xeDn3jtdrz_MeUtyPi1Wvtht2EFiOpWleyD4t5stuutfEsO2LMWyc0v2NfHtdLAjXXByel=
bskGdiIqY-WhUuG_n_9yY8YwZxUqKtLYmkRd1NcjjQBDd62pnZrYyNlBf4lVOXqRWTjgOIYPoL4=
e4SQoxIXcRliQ4_FDjPm18qhnwI_8hU3oYJ3gWjSjcbxYavydnr2O3sQoBnkq5dDJBhkO3wlBEO=
SYc4XbIxkricR4V6WM0nj7JbuGwVvfYbTx5RiG-Qt85Ucj1z6Fihen8kF9Yx5u2mWMWkbGDD0gv=
Q~ )=0A and a budget =0A( https://clicks.moneysavingexpert.com/f/a/UJwhRGYV=
X26reequI99Bxw~~/AAAHahA~/wcTTebebtnan8XJ93-r67rcdzO7x3vSiWlg7uNBfon6dmJ1TA=
01MIuavGHlKjGE-bwi88YQByG9IHfOzkMGl94cFRnFdO6VC8Qh0mbhJjgZMn046GLX_4MIyyh0B=
YEAgN7w_TzHmkSKN1jqk7KMzKYXL4y5MpLVRcbrQ4t_RlgF5PDxtRP7Ian7wOAwW_539RGePa_a=
LzBxIZCSW5zNQzHheWqywqL4OrBEn7HHo276JVmpsAlbs4aESmkm4xVBIVcLYbbXxuzggH0wxsC=
Vp-O4SatfT2AUBa_yrbtYbdhvX_fhZ1dsJ3ozDgE_2f4qckhxe5SSm6n645d5OxhV1zg5mpMY50=
_AIfnzK9kGKI87bulILWFL8G-yCH-C8MCjFWJ1dg1fOmT97XpwYmrs80i1MkxZcKgcvFK8aGy_K=
hONbkhe3Yzt9W8IQqyOiy9AW )=0A.=0AIt doesn't stop there though - we get many=
 questions about how=0Abalance transfers work. These are the most common...=
.=0A=0A* An image showing a mobile phone screenshot of the MSE=0Aeligibili=
ty calculator showing a 20% chance of approval for a=0Acredit card, with a =
caption saying: 'Don't be put off by low=0Aacceptance odds.' The image link=
s to the MSE eligibility=0Acalculator. =0A( https://clicks.moneysavingexper=
t.com/f/a/5E3t1abUIouX7VSfA9fuBA~~/AAAHahA~/IMpb0odD7tr5G_aTELOu2i3n2l32xKn=
OmEeDtDKthuVNORyvcq5BX8gaQWUuxZ_BuiWRiJHgQZEGZ_69rJm2Fo1qBCCqT26yFMxLfxowGz=
qjouTbg_TqslZgILxFLL9_LsA_nneBj17CtGj_H64RYZ3r9vJfVFj7ZqzPFIVuUyQ4jJAVV2DTd=
9OjelzulIJosQnLWU4eWLmKnpRj9sBUtoR0RHVCbuW-f61wPmb0jvpiZ4NlTT2jZN5Wo40LsEoc=
HWHx1aqNFKFIDnn_F9KZABI_skj_Sch1M6o4PDaf8OrIjeSstGtDeuHpxezMpDWtKd4rkHTGMrq=
iOWI4RerXO6RBGmA1cBH9-dvv9tGZtzdu69SGhIjvEoMlIsejmHeFeXPg_JAi0VRGYByqAdGTy9=
wQVifqz9fxgsdDKGSTxy-9AsIcDofd7EUNs572PbM7V0BnW_df1fnvY_fLV3QHgA~~ )=0AShou=
ld I apply if my best eligibility score's only 20%=3F While=0A20% odds are =
low, it means two in 10 who apply will likely=0Asucceed - and it could be y=
ou. If you're rejected, barring a=0Aminor credit file application mark, you=
're no worse off. After=0Aall, cutting debt costs is what you try to protec=
t your=0Acreditworthiness for (usually only trumped by a mortgage=0Aapplica=
tion), so go for it.=0A=0AAs Adam emailed: "I just felt inspired to thank y=
ou. I applied to=0Aone of the top results on your eligibility checker, whic=
h=0Aestimated I had only a 20% chance and, guess what=3F I was accepted=0Aw=
ith an interest-free period of 2yrs. This debt was costing 20%=0AAPR!"=0A=
=0A* Should I pay an equal amount on every card (spoiler...=0ANO)=3F List a=
ll your debts in APR order from highest to lowest.=0AInclude your overdraft=
 if you have one (as these days overdrafts=0Aare often the most expensive f=
orm of mainstream borrowing). Then,=0Aif possible, focus every penny of spa=
re cash at trying to clear=0Athe debt with the highest interest rate, as it=
's growing=0Aquickest, and just pay the minimums on all the others. Once=0A=
that's clear, shift focus to the next highest.=0A=0A* What if the credit li=
mit they give me isn't enough=3F In most=0Acases, you won't know your credi=
t limit until after applying,=0Athough some cards in the eligibility calc w=
ill show a guaranteed=0Acredit limit before applying.=0A=0AIf you find the =
limit given is too low, shift as much of your=0Ahighest APR debt as you can=
 to the new card (usually you can move=0Aup to 90% of the credit limit). Th=
en go back to the eligibility=0Acalc to see your chances of acceptance for =
other providers' cards=0Ato move the rest.=0A=0A* What if the eligibility c=
alculator says I've "no chance" for=0Aall cards=3F That can happen, especia=
lly for those on lower incomes=0Aor with a poor credit history (see how to =
improve it in MSE's=0ACredit Club =0A( https://clicks.moneysavingexpert.com=
/f/a/_TifZOsELXrr8JIDknPL6g~~/AAAHahA~/2XApKMCeKbF6bb1-1Z0AYugpAKPojoP2d8Yc=
bWVCR9UNd2sv_wy5E7N8T59Mea1VxJ3AARsE_boTLN-ehVg3sB4VR7F-poZi9hmCbPjcYcjyxC4=
IXfYq0vA3wBLsw1VF4bLqRVVLEVmHpC26GIUEvAZOwATLpgbKjqfoWENbQTTj48NZqXgEO4MOdj=
YxenxoCf-u9l3JHzN85OL3xBgBhR5d0hJM0OR6j-h-hopFtChW7LY1fkgiCq6eDyUSFVBdIxpz3=
jSSseCy-LlXu6btL8bfBhkyZsHMY6oSVcRpYdXGjquiqfYj1Dw4mWnMHkM0kf_oYMZ2BcEY8ygX=
INntm6aTgU3Brl6EhX2cnE57iDUanp-_4J-h12zdvlV0BHm3KqipqImmEAjd83tmlRXnqy_Mh8F=
feGeJ_FYP8MTQ4hs~ )=0A).=0A=0ASo check if your credit limits on all existin=
g cards aren't full=0Ain case you can shift debt from one card to another i=
f it's=0Acheaper. For example, if one credit card charges 18% and has half=
=0Athe credit limit left, and the other card is at 30%, ask the=0Acheaper c=
ard's firm if you can shift debt from the more expensive=0Aone to it, savin=
g you cash. Even better, some cards also have=0A'existing-customer balance =
transfer offers', eg 12mths at 0%. See=0Athe credit card shuffle =0A( https=
://clicks.moneysavingexpert.com/f/a/w51YdFi6y0MVSsMw1Iq9sw~~/AAAHahA~/zOGSe=
6gR8RJp-DX95d_lggEzuZH2ZGTBjC3sLgdnAGjmmUFzzeD_MVY2qMKbwE_DWUUYLYgnxSkr5YnM=
GWggKDwHWfwy1Tg2wGs5gwrdz9kXd9mMNHaCEWNKxhstNZLGMRYETcDFM0kUOz9L81Aw7Nf7FEy=
qjja31Pg-HUvD3VV5uLMI4fVO4Mf4tJBruJ5kr5n5gRXfr57rYuz_uSuVjkCGiyWczLTuLq_Iom=
LgkZmkiFtCH_BfuhunlEIItbFBYC7l5ZWRzIcP0u0oTLhJGx2Nem6fDgQJKVHCIUv8DhNHh0_4L=
LnBYgsFssJt7c04i8infGE3L1hccgPBmHlw9-7dKMORqUGlv-aIzpfB6vwix9Fl5xdCzsY0931D=
yObB9O_sqzawSwugePR4CJhHdJQ4qieXIcvSOkwTwhtmQc41dcORLvIeYnnd4H7TIatIy9wGIAo=
iijGJS8c00s2KLVghE4cqP0xAP1Cj56kGvU4~ )=0A for more.=0A=0AIn debt crisis=3F=
 Get free debt help NOW Image shows a woman on=0Athe phone. The link is to =
MSE's debt help guide =0A( https://clicks.moneysavingexpert.com/f/a/GRm4Dju=
NdZVQAJyyF0HBPw~~/AAAHahA~/0JpEg2RNxsqncjNV2VDokNFDPDHFwCH8j6EDXpLZUbvvALlR=
Eq2KKfz9Lc6_LeHFisMifzCoRrhRO2-sXKocohNoKgjzPI-Iz2ve3N4nNmPfG3NlNgu55Z9TZjN=
CnE_hXY3s91h4w0hRBcnIt2PXy2a-6E58bodVm5VaM467vi_SIOqIi-g7TqmQnfiOnYN33RfBXv=
rKGxQ-sU6QSRe3_IiuCN3HMbSUw18wllXHaz-aB4HdWKMXj_h-6LkXHXNi_QdcL47yizBWCsN-2=
0iU1klhX4RlGnmbrrnUlirkpUyY6gv0U4uoWYvdPB8v23S06uTGe9Khzqo8coFyvreZ6rDlsYdA=
s1RbAVlkWoT-stJR66CsqkT6SuCRPLvn0HpFxOQySOTe-YD1Vd0939VWCTT6-_kj-dV_oUx07j9=
nUuY~ )=0AThe tips above are for those who can afford to meet their credit=
=0Acard payments and want to make them cheaper. If you can't, you'll=0Alike=
ly need a different tack. Here's Martin's snap test...=0A=0A1. Do you strug=
gle to meet minimum monthly payments or pay all=0Abills=3F=0A2. Is your tot=
al debt (not mortgage/student loan) over a year's=0Asalary=3F=0A3. Do you h=
ave sleepless nights or depression/anxiety over debt=3F=0A=0AIf you answere=
d yes to any of these, you need a stronger=0Aintervention, so get free, one=
-to-one debt-counselling help from=0ACitizens Advice =0A( https://clicks.mo=
neysavingexpert.com/f/a/WPvBTAnCxJrk_8YK3ajOkg~~/AAAHahA~/CCWU3pm6gS58QePOl=
w-8Cpbo02xdNhkrC92c-7UoYmq1O239igh6govaR2b_FnIiFeI223EiVRmDNwDo22lkAE5JK8NH=
1hYiz0-2rfAqUURykmM6MsSjrVdxCvuOyrCG0hl4ISMOWrp9ru7VHUGFYg~~ ), StepChange=
=0A( https://clicks.moneysavingexpert.com/f/a/PzQ6Lqq7Ez1sTRk4_omBLQ~~/AAAH=
ahA~/0LKO7X1ttaFA6_KQg8SuyeI-9WY8A3xPfNT7RntEY46P_p468YO9Ph3j1IP5PEAX5Z0WFK=
jmP2l12Xfn497yZNyM3Swn8L2kjG1_IbSX48xvo3vWlxvLflHmKbwJ-NMo9S_yEWgEVkUmL1fxJ=
E4qJQ~~ ), or National=0ADebtline ( https://clicks.moneysavingexpert.com/f/=
a/zWNICumc6jwCQaq-bTi1FQ~~/AAAHahA~/2METzoYufAM4CPIhT_ZDRLGGp1Bv6aGTOEkFmkj=
7L6KgcL63fIm86mdgFlIPAtqLN2RHYo7oLmC02ZN58riArGJKcGgFrUK_r99IWUGZUhI73V3861=
XyOlja3T_xw6YdhquLa1tBs5BmOLwfC3cRkg~~ ).=0AThey have powers to give you br=
eathing space on your debt or can=0Aput you in a repayment plan or similar.=
 While this may impact=0Ayour ability to access credit, it's usually worth =
it to get you=0Aout of the debt hole. Or if you need emotional support too,=
 try=0ACAP ( https://clicks.moneysavingexpert.com/f/a/VqDofjLSlZs5CquTjz0VO=
Q~~/AAAHahA~/y9WST2NFMC_9YUaZt3zsY9QaUIZC7SLHkUjlqATX6Yu-VDtJkPhaPPPyPRrS2d=
xoJobGAjdYbbrfwr4yk7zPKYwmn_zdC0z7m9ScH1eVDoZEIYu3651-LddzTLDrAPb6 ).=0A=0A=
Read inspiring stories in the Debt-free wannabe =0A( https://clicks.moneysa=
vingexpert.com/f/a/VZ3-kELWE4jCoDkCoOxtsw~~/AAAHahA~/Wgy1iNBStJJpJQZ5On20-t=
xtscpeeCyDgGcwQmVXWUVyVCf_9YlFacLLvt6lzgb5bQRHSUF-XxnOwQ17dBmVarkuF8G77zEGi=
dfXlLBZyZR7pDq4AK-4Zv8nmPMBCG9nqjcIrsywuLNeWiJ1xueecLeXxRdyIyQd8fesBCzKKQVw=
km_GQ3-5g58HLenoCJRrQVc-BWfo4A_ZiN4jBFvtvobbJAJhInh9fecZcHq0AoF-bgjonMMZ4mA=
C5YobO3tQkdDdBp3z41HXXiUDxPAD4gGwooHQmZFEJP749t9vux0R6-JvM8MJnEQZxjgn8NWOlo=
WvrlSuKdqychY5netSWTL3gic4_2DAQ1CGW42TJki1PbFraIo_TVuDZH6ZAjdh8jszOeWyJfnQ2=
FRGeg67eZl3co7i3bZb6o-9zB_KiiqQNEndZIkS-3a6tp8bXN2y )=0A forum, plus see Me=
ntal Health & Debt =0A( https://clicks.moneysavingexpert.com/f/a/RgAeTdCjcw=
oVGvhL6MysOg~~/AAAHahA~/-XD8NrvIR0raQHHeYG0BK5yvXLiDPU1VX0vuGUQKYvz-Cq9rD_o=
dwLIzIBXXZF3-C8scLsRbauO8rdohXpMfOHBRwzgi7FOm0LnfEjtTGlzn2zwJR1wvXGi9_2V4_P=
Aqowzvra0cKvYRIfH7PF-4aKDfbXFAAXgl3oXPLBYFFKlcs_kaw4v7X2HlcQnRu3UMVvl1BJlZj=
3EHEBHYjy3FYFGOUjfW24bmxvP1NxdcP51yXTtdKFwwhacLqKL5KiUXd_qssH3srGnsj2aDNtsu=
QYTyyoISE_9xB43NuKaiFucCnEs4m4tgvnUA6ju7pcM0QasZWcclnRa_RD8sXizeiKvm6e5Th0w=
QoS90Al2Y6wfDBpy4hgzbE4Ouf5CtCMIdd4gL9afgV0l7UhpTGraf-cYmsHHuvjoTjha1vS7v1E=
qDuX7BQmVj_SFMMCQ_vUq5 )=0A and Debt crisis =0A( https://clicks.moneysaving=
expert.com/f/a/zxHFIjOK65P3V9aUkR4Oiw~~/AAAHahA~/0JpEg2RNxsqncjNV2VDokNFDPD=
HFwCH8j6EDXpLZUbvvALlREq2KKfz9Lc6_LeHFisMifzCoRrhRO2-sXKocoj2J1d5GDAKrj5InQ=
f9EYMWdT4AajfM9Obt5kxTDkCr6J0xB3a2GMJnePMBIMHy5KCxd3r9idRyHCOF-lcZ0jHhnlXz6=
dO3pJW-EB7thZ1R2KRpUUPgD4qGyD9LSdZPfzwnWBq2JrkZEoW4tvIbzqDMYV2AlSIu-8Kxocto=
afZ5yhawAiTCpgjGsBwW1exM3DRS6qEi8C6AL81cGOC3BZSkc0KC8uVe-6tIO2-nyAj6-AkZto4=
DWFy3p9323cYCfX1RG7zwGSCuecow0EmJHiqckNT-CtmhD7ndHs44jX9jR2rEcs46sewhiW7hYl=
aRi35_D3IMq7RlenhkoAdi9I70~ )=0A for more help.=0A=0ADON'T believe the fake=
 'Martin Lewis' or=0A'MSE' ads=0ALots of scam ads litter social media and e=
ven newspaper websites=0A- some of these lie that we or Martin promote Bitc=
oin, binary=0Atrading etc. See Fake ads warning =0A( https://clicks.moneysa=
vingexpert.com/f/a/MI7LqphWG9H7bmXCAORruA~~/AAAHahA~/NuPh_55sYXvb2w_e45QWHn=
ztOK3mBKaeKwCqnQwEJRiUmy41BvdEt4IkRsrTKz5ZRZiSYIlKo9tistXpKzZpRQccoRsUoAtne=
cYZc2Fd2A_hjL3FwVz1VvhO-Kep3iCo1V2Tv44eCZ6tYQ-udmuYKFNTnIjJZR3qsqyBhwz35LxC=
S6xd4GSrbT_QHKwM0sh1wXl7Vi2hWIpaOSleNLn61kaaJg-gWjWmNtxCJOYKu35a52pbbxrv2pP=
5f-7XuuklO9Gz8uRaHuW1PlQoS4HQOXsxdgtpoYLUlU6fdnWdWSdpVt8soNsHM-1QNAEE6KvvkP=
9RBfV-uHPgOFzpstmil5aDE9ZB-Ashozs9WZvqWWBrGCs08_-D9J8PtFaGCl69t2cnF3ss0JBml=
nPjSOBcNooJjXj6an03SygeftLClz_NhayLxIfHmCnk1PEMjMtlf8z0KRAAG-Yqsd4dRuWHDA~~=
 )=0A.=0A=0ACouncil Tax: don't wait for reform that may never=0Ahappen... c=
heck NOW if you can save =C2=A31,000s =0A( https://clicks.moneysavingexpert=
.com/f/a/hvoC7aYmj3tmJU-hUyeyGQ~~/AAAHahA~/h3Njwl0liTePTfWg7ZPTQ5ZntalDm6p=
1189ADY3OwP13iqvdRti9N6RssAWW643t86V5RMWe8eu-QZvReHnpuXwD3cchJ_R8mskiJTL62h=
zHPBFcUVxH3HZXNPJ39zJtog1a7qsYAdpCJo2nOzTDq-XciDM_-uV16ZkGrMHxTnFwaVKeFvfuA=
KnFEHALYNGEHB_vd7zMm96P82IpcOQdG8-rK6F0G_uTepavDT_l6Uu29tKNNQFB93RexWVP75u3=
b0dqkAmEDia3HQxkEfpn5z8IEzReBXhA755De48WAiyK790Vdf2_-Q9zw1X9QK8B1zU4TAtKhAM=
0uGxYdc8R8jLbz5wqRxYZOL9m4hcFy_xm3kN7jvBnu2rKuAEcDa6F7jZpZC4mM729MwuOIh4MZJ=
LIfCxcywBFZ6aoWVgt9d6OtBGiRabNcT7QKwm72Alu )=0A=0A=0AIn too high a band=3F =
Due a discount / reduction=3F Are you in=0Acouncil tax credit=3F =0A( https=
://clicks.moneysavingexpert.com/f/a/CdLgitC5djQkO49xjYOjiQ~~/AAAHahA~/h3Njw=
l0liTePTfWg7ZPTQ5ZntalDm6p1189ADY3OwP13iqvdRti9N6RssAWW643t86V5RMWe8eu-QZvR=
eHnpuXwD3cchJ_R8mskiJTL62hyZIoZ1qDT0vtENUpt9dKx_O4gUneHQAkWtjGiBtpmi4zsd2cm=
akiTkKBMFKrOYLwoS-pWEy_pLqFSe9t_mL5LVvZqO6-38P4ELGIqyDtkZQatOOLDZYZjt2RTnbz=
yF87Y_409cX1_RciGpML1VjzLTAzwLD4iVW8WPmKULVMR61vrbet60I2CWRcIvaVSL-I4bitFEj=
bXIjvh2OAKDeHc5kYWMmHV5Caycb6Bg_w1qogILfd2PxCMuUdS1e4ayZblWYo4ADio-Y6UYM95Z=
uv63jMoTHoIgPQEKXk6trqAnWWX1UQHiGL4TE6REpXLl7mLu-S6fHqyqmmKFaPwGojyx )=0A=
=0A=0ACouncil Tax reform is back in the spotlight after the Prime=0AMiniste=
r Andy Burnham described the current system as "unfair".=0AHe's now ruled o=
ut scrapping it, at least in the near term, so=0Athe priority is making sur=
e you're not paying more than you=0Ashould under the current system - 100,0=
00s are, and some could=0Asave =C2=A3100s or even =C2=A31,000s a year. Ther=
e are three main areas, so=0Acheck if you're eligible for each...=0A=0A* Is=
 your property in the wrong Council Tax band=3F The Council=0Atax banding s=
ystem is, at best, inconsistent. What you pay=0Adepends on which valuation =
band (from A to H) you're in, yet=0Athese bands are based on stopgap '2nd g=
ear valuations' (often=0Aestate agents just driving past homes to classify =
them) done back=0Ain England & Scotland back in 1991. Martin first develope=
d our=0ACouncil Tax check & challenge system =0A( https://clicks.moneysavin=
gexpert.com/f/a/Cp4_Qi7DUSn6eaf5iHX0Ww~~/AAAHahA~/h3Njwl0liTePTfWg7ZPTQ5Znt=
alDm6p1189ADY3OwP13iqvdRti9N6RssAWW643t86V5RMWe8eu-QZvReHnpuXwD3cchJ_R8mski=
JTL62hzF_GZfrFctRwzPPPjL8U4VizYD-aJnkAk6efwm4uArTigmd4fHr4RWJL0pA_U5qnUNbzJ=
S5_N3gFH-foxVVDOI-jNL2faX5T3wQWLqzCEPBkBKws4E7J1fSaxSl5IkGcliBQ10tvzkPmuLte=
xdDgLGxOfFuhONaVY5D70yNDMG6AUVJjZKPj_bJMvy2qUPkTbN4uBTwgccjtuJCHJ138BB1LKIF=
3zG1mPyYWveCIF24alZMZBI2WvdLtJZ-zV_BrULFGffyRgqHVkZJE0yAwAdPxb9-v4cAzbisUwK=
wSHK8_duGq022SB3-WFJ2mCI9TZ0nSLYPbSMW8YzyOOF-kX6 )=0A in 2007 and we've ref=
ined and improved it since then - over the=0Ayears we've had 10,000s of suc=
cesses, meaning people not only get=0Atheir band lowered and pay less each =
year, they get a backdated=0Arefund too. As Tania emailed us:=0A"Thank you =
for running such an informative website. I contested=0Athe Council Tax band=
ing for my mum's house. After many years of=0Atrying, earlier this year the=
y rebanded her property back to 1993=0Aand today she got confirmation of a =
refund of =C2=A38,000 or so. Tears=0Ahave been shed. If I hadn't kept check=
ing your site for updates,=0Ait might never have happened."=0A=0AHere's how=
 to check if you might be owed...=0A- Step 1. Compare your band with simila=
r homes nearby. You can=0Ado it free online - see the neighbours check. =0A=
( https://clicks.moneysavingexpert.com/f/a/N-M-oVDlUlXagxkfBzOJ5A~~/AAAHahA=
~/QhE3zSg_DBv54lNRje6205v_tbgLFWpcJxTZ-ulzlmDASo8tTm-3iZGp65_fZC_VSnj4pEPwn=
FBQOsYnWqI5lJGaum7nrBeIoRxnzQtJcyAe_H9lJSKXI9ifavFVo1dGWSfQiGxwpHdwjeiJNp1g=
5vEuutyWKy1MzNShKWWKaVbxIocqeyp-M9PRYPFvhx_ufxjf6X79TLkUqnFiYOBvg7gsOWEY8As=
Y-lvyIsNKPs8sFlwImgvrec71dtoeARcNtOVJQ7IaIWLYhDrlk4MbiBLVsodZPihf0N3MGvROi8=
QRF49uoXS9Gq07tTX_t0EBBIqwFOq6-KDSN2_uWYQ9zN7ZxjssROXDR2CJynSWVNCezfodcLUxN=
leDSYmtZFgs0UpX9xlSOzCfSZN-D8fH_3A-xDzVDBoHOT2NiPp-e_vG3SVBiIybj4OgHQEUeF2X=
p4LZOfD7sBwm2Ki2AS5iGg~~ )=0A=0A- Step 2. Estimate your home's value in 199=
1. See the valuation=0Acheck =0A( https://clicks.moneysavingexpert.com/f/a/=
IYQFefEc51aSFoy23Odq8Q~~/AAAHahA~/QhE3zSg_DBv54lNRje6205v_tbgLFWpcJxTZ-ulzl=
mDASo8tTm-3iZGp65_fZC_VSnj4pEPwnFBQOsYnWqI5lJGaum7nrBeIoRxnzQtJcyAbKDUiDKNh=
M875wbPas_A6A__Xdy23yLx5OPa5iDWT_0arbU2tRRqLcUy5cKfQwi_pDW3aBuaO-2pCFjLbK21=
QhjhHvU9QztrvAWAWABDuOM19dILgIRI3y3H9d_q70HkXfOaPl_K_lBXwrjCXMNVLsdT8S7N1SV=
OZ4Eav8sI1ylaJ11A79qD6gsFAPgqy-brDuHoa111snhntiMOOAkEDKXMDxRV-kA2NZimG5n5U_=
DwKKKyKg5Eb3gLd-FFzJ_eb5QPoxUi8aOyHrR8Ffg2a_MnChb3pydPce7Xpxp-BPfpHCqzdu_ZP=
04kwUCzMhyBfIit-ZCCZzz9n9QOiuzj6nSzJy3--juBOm9NTcw_ZxA~~ )=0A, including ou=
r free tool to help.=0A- Step 3. Only challenge if BOTH checks show your ba=
nd may be=0Atoo high. Just one check leaves a risk that it could be your=0A=
neighbours are in too low a band - and theirs is upped. Follow=0Aour detail=
ed how to challenge your band =0A( https://clicks.moneysavingexpert.com/f/a=
/xUr5SOkKK-qsXjEM82sA6Q~~/AAAHahA~/YxF9_Y77y0EcrentLdPu2RmYl4Q88AuEX47LX9sU=
nQPwD5waQPu2zu2a8QHI8-kek9rCznBGDKnbXiXrU-OG3KZ-9ZFDenIXUeXACkitTfG8yYLW75p=
Su_eHCMRAGXulgzyq3m1VISyzxB_CU-gX6WXMKQe5AjP9mdXTv-9to2kib6lanSX2aKIw-wYjHg=
lRfFsO4y_rnvuzsV5_1tZf-jz87fmZFTB3tbsU_mv9y5pqTe6LYip4iFGws7tlUd-TjoM-pp1mP=
8kTnj66p1MUjIyvvBn9U7sleIE-fGsvxQG0EUqirDN1ll1kN8SiBjXrR3qv_u0JuU1MuL2sA5eU=
OSGrDUg9BpegcycIV7HdR3ERUG-GNmM8ArsRPVdoEHQ5XsZsap0PvjA0BSzHcFN95hd_JK3cjPH=
KH7WSjEYa1AIDciz6Y6Olz0emAEv-OqhxnZ7iM8eG2_tpxOFwbZVSMw~~ )=0A help. For th=
ose in England & Wales, this crucially includes=0Agetting your free Propert=
y Attribute Data (PAD) =0A( https://clicks.moneysavingexpert.com/f/a/hTK-Mc=
yEt77fwnixnN74HA~~/AAAHahA~/VOE7H-YRby2Wx-jR6jEVTQZO_lvLdUPSKnecy4g-1o_01v0=
PayLd5HwQ0NTXzDCpaiVW4XKFDe9qgh5WCgqpvVW1buiJEM4jQfyDMOLuFIE37pWS72upO_PrJH=
wY9FCvekpNzDl8RTBM3k0-14Ad6JJ8MI_R0_r72kiKbOQDanhWMFRAdUXGex4yYrTDZh9IGTxUP=
Oa0X0fte0L2xrbTQMaBBtQY-exWNpDifv02XGt2ds2Ufv0NlqvOOqR5a1KfKVrhF5KGjHtg40f4=
nA9pAnmMpjpop87jngnoMZxoxLoQGvVxM9c9LMf9kG6X-kAQeFn_ORlZGyqBSDcpL0NV7-pNE8y=
-tE3yW38nLFCpCOMtMVlMD9UoWoHh89yR2ibfI9N7LY1Me2SWd9hUrKSLdOn9zMgjKBiNgAPNKH=
JGUDRMl1B-m0Bhi-N-iuRFMFdkfnsA54K7Hdqy1BCiDsZrVA~~ )=0Afrom the Valuation O=
ffice.=0A=0A* Do you qualify for =C2=A3100s of discounts=3F Countless peopl=
e miss=0Aout on Council Tax discounts as they're not aware what's=0Aavailab=
le or who qualifies. Our Council Tax discounts =0A( https://clicks.moneysav=
ingexpert.com/f/a/cRIcB6KsQvHq9ObLEYj4KA~~/AAAHahA~/WFiX915batiBEWR7PcZT3jp=
-ifRoVk1BSgXMiI8wtA1PfDDLcYt3mP5-37FjdBv1ChF7_9w0lLpH3MVJ5dLe8M1lXjjRBmxDLV=
L8b5_qa-wVNl2wH5asNuiHTDvO9X0HLBQKHnZEfF21BDXVfwioM7H_Uc2sQRprPPerCLQrdDpXN=
GkvFH4mwccQpKvW4T2A_ONO5X3CcxpxnYtGzNBUI-KS8yhalYCB7PVL9X607-THrp88kx_HqICZ=
hJOBmeHTFKp7UdjheU5jzvKjKLvahKc74qdUd9atF8_y_OzqDhz2jxpdjv_md9TAVHaB2O0wTJ0=
C6FpKsRSaTJL3f3xD7rguQtu-ofFFlfrFdC3KsoZutSxM9qKtW-_mvIG-drNfGXtBocJ48riB4p=
ZkTgVVRqI_vLvMu6f5MlvyIq0Hp2okV2bGfiNuM5zPei0fsk2m )=0A guide has full deta=
ils, but the main ones are:=0A=0A- Live alone, or only with under-18s or fu=
ll-time students=3F You=0Amay be due a 25% discount =0A( https://clicks.mon=
eysavingexpert.com/f/a/4jaKEhwp8YZyPqVt2QTJLA~~/AAAHahA~/s-EJlEG3tHom05WRaL=
9gPHhYc4uthnPsVd-VP5SkB0_LEROKwz1KVtYmFTtrfngFfaH5BlXLQiI7wJlZjpBXVeuw4-jdr=
Zylw8EdpkICDvojZDDNTKjDOa_Pei0F_shtV_T9ucMCXgL1PcdZppQdNRb5D4TYPSeJQBGLZq-V=
E5cdJ8Apqq01ucGv69jvos5MqW9HZ-YN1-jfIDo8YzOVixHzMPi5DWfUgqIT8y1MSVAss3M6I_T=
TU9Akohb75v4TCpJykZH5IGiKOrKVQUpPKyFnB9puTPfNr6DPorLBbP__2yUoFiwqzcJNAIv3Cn=
rzDEPXaAz6OMkf7ZKHEZlXOR6O0kzIm_4UES4YBzip97WSpzOxk6y7lXe4ZGcJcZHUoubgB4en4=
BCMahwA_moa35p_TxQ6Zmlnn8LwaWdSfXEvXejMhj8mCc6AJshR-TS7WZR7BRLyXCi2MGv3E2la=
qA~~ )=0A.=0A- Student-only household=3F If you're all in full-time=0Aeduca=
tion, there's no Council Tax to pay =0A( https://clicks.moneysavingexpert.c=
om/f/a/NutNUf8qt4tL_fTtvEDf4w~~/AAAHahA~/lfdLmfEOAKRutZDGqJZxWJchX9S8VpnHP5=
_vxIH7LsDVL49vVcczjqkWWqEsQGLL_0JBnWlxIA9AiPFUkxkRmN87Lb-EhTFIu-LiWVpdqZyQ5=
cNtGkxwG1_BRcEl1GEm5va9sVhxZHJj2l4SeCKontXnlG2vL0zXi8c1dtcFYT5y8r4Eil37GBsE=
0f3xftEi7it_gG5vGZs5sUHJb80hntzc0bo5Ctq82M1rv5N8R0bpkf_zpZ3FQ7I2Esb-9bNIw1H=
kSHpG6oMEkYn0szv4l1pHD8tXvrQv_NQaM_XvDvlsqD97Wl0qfcRpRMgSBBGtmtV2yx5cq9ZgFR=
gd_5tPEUXHzBrq9Huz7IqtOlpLMJj4Hg5mtqX2ugfnLktOVs0bGnMC_o9KdSMCmaKNH4qjQb_3F=
L3OKsNKRq-n6b0OVxJA_aa1GeNKZ-aL-dyXqrUIoDLy9nFIqD32982RwDCExg~~ )=0A.=0A- H=
ave a live-in carer=3F See if you could cut your bill by 50% =0A( https://c=
licks.moneysavingexpert.com/f/a/mYS3adVRxS81C5O056I3kw~~/AAAHahA~/aVMOEzDuq=
jzF_v4sOZaXu18u3u7N4QxFgnMs9LUPN7ERuB1WrUIdxsalMbzZOyJkDtuAJtLbn3noSa8wLLsB=
VezOrWVXOnUxUlRlmsrAqOYIjKlN1XYTqmlIJofK_QHzw2A45oIAyYG2aR5Y5AxRsT3MkUL81pm=
49PYmTXIGsmLFRWCT1xk4GgtDkPn9D4tYJqE1365bO_hvOF9WokklciSdI5EygRStvg_r4SkFet=
v9HIeehjlOzCaZUwLd84aYvNOqFawc93WE3CkICq4E1Z0ycxlmvXlI_WGJTRFVyi5kdu6BTjPiA=
DDJ-m29ShhhAK8PksY9fK-Fa5qQpGmGrMGVuWMLeyG-vaWUcn8-Mq-HSipVpvUlm3SpZlUwB-n1=
rZbrKaIV39y9G1I5c5lrhbcoqpQqCZUB9ofYdZPFpHYdLJ9I7JlykIhkRo9DossDwdxKTrgAUOl=
hhPyySp3ALQ~~ )=0A.=0A- On Universal Credit, Pension Credit or got a lower =
income=3F=0ASome can get reductions of up to 100% =0A( https://clicks.money=
savingexpert.com/f/a/7dK15JEEGJ9AGuLBNSKxgw~~/AAAHahA~/QhE3zSg_DBv54lNRje62=
05v_tbgLFWpcJxTZ-ulzlmCEAT5pogxJCd9RcU7szGDKG4KQzXaKJbvYZ835IS0CYgzGVjssHiZ=
ZlfEUhQ3nIUaUm3kmkwiozxysGOaA4Yo2jngD9EaMAzrzyzVeuMQZnxc4-gNk9VSuWlGZRIN6OK=
nTkgppUfJW84vH2ZbXdJ1muoI-C3Lnv7u4q3IqkO1uqdINikOV11fdw-Lg-WJw4B73TFkMLQ4Vj=
gNZL1YIA9PLY_B3mSJfAO_VPmyPSjhNL-u5vgscW-iL60y3DK1mCr26ONz41CX3eixAUaB-__la=
vfootmD-F6hoGrG5zud9vIcwLBqYbReQ64rmz9d5VUsb6l7vN_BoQOwSWWf3SOofTK13M4wQSzX=
0b9tYeGkKbhJgPTBH1-wXscdlTmJYNNWhwamyU3FgyJ3Fy1j-afPKkoPZ5ChqPcVB3vHI56P_-Q=
~~ )=0A.=0A- Terminally ill. Only around 30 councils offer this, but you=0A=
could get an exemption from paying Council Tax =0A( https://clicks.moneysav=
ingexpert.com/f/a/m9rT_ciKedd8uujQIf1VgQ~~/AAAHahA~/ZovW5PaAajbNTWNKJUuDU-f=
AqzNQVOk9CogLFxaRqEobaqsGyUGkKxAMyHVQdkGIox5m4IVJhxSHGmFNfPX2k3BXtBzFZVtpND=
A2g4AscYdMEBvYWpGZJtGTOoH89oDMLDJoH0_0xpMfJooB1h_C_SIwaLuJU28YRKzeky4gn0fmW=
Pd-TT19S2MLDQ94TdKMoHUWdGz1jfJDR961-Sux-s9qCB4pAqCKt2tS0pKUIcQF3cs_nodqPQ_e=
awloE1vc5ZbPrzwc2_Jy84TdfBP-sATNsdUtZ2t7w5fAzu1YJi4PlqpL31pLWB4VYGT2Z2nlkH4=
TGzC24Vg8iv4kSBMC7lagb6is67pVge6xF2jarQwt6oNRCu57xvZPRE_ua_5_-J2jwLWcQ_ech1=
b2H4MxtHSkUSsQbu4wEq_w38nzOmJAutHrGQe64ekxv8PSVHLpEG4a3WsNcO5ukpqKalzE6A~~ =
)=0A.=0A- Adapted property for a disability=3F You could drop a Council=0AT=
ax band =0A( https://clicks.moneysavingexpert.com/f/a/kpS98Jbebz37gcMlNvlxb=
g~~/AAAHahA~/QhE3zSg_DBv54lNRje6205v_tbgLFWpcJxTZ-ulzlmCEAT5pogxJCd9RcU7szG=
DKG4KQzXaKJbvYZ835IS0CYgohrizITyAe4A25yFbD_jDicD9P_MD4x3LeXmz9lHj7a69e0Ylbd=
jup-VUxNlvBUImNDQh59mpieU8ZKMX_n_GWwAFN4D24YIqtjCN0WFr-iMaFU4dEy0liwBx-X8nb=
i1hTH1ojshbkyufmpnwx9vcbhqvu5fxmqF2VK9EJC3NVuHJvPzYFs4ZbvnRDU3TL5fg3P-jI69g=
zCQp-T22hADGcC-8Cmfxo2BINHk0Tf-jSX0YHkARrZhh0u8bpJnB-o2bXApFmdDuODl3OCp9-wG=
LMeH25GanZdvGIKQsuFKPiLaYVWAdGMuf7596Eaeg79XR2awqgU1QIC5kucvvZox-CF94UNeQyB=
bQ7Lev7AJElziHsg6gEwRSiA5kcn26iaQ~~ )=0A.=0A- Have or live with someone wit=
h a Severe Mental Impairment=3F Eg,=0AAlzheimer's, severe Parkinson's or a =
stroke. If so, and you're=0Aeligible for benefits (eg, Personal Independenc=
e Payment,=0AAttendance Allowance), you may be due a discount =0A( https://=
clicks.moneysavingexpert.com/f/a/mT2AvpeMWYj96fcDRGltlw~~/AAAHahA~/5QGrsAKq=
W-SRAcnFNd8LKN6cJDrFp9RWZWgScRspxubw0Xi5C-LKwq12QMQ6TpuSpwRWCfxn6AQuQ91LBc6=
nZB0TXf-EfYwhkjWr3aITYgPmgXzhhejFkpracMahfI96ReP5213GZOMNMHPxcERfooh2-7G4Zl=
EBtJDIZzng301ttN2t2gqwAXT128s2DNc_xZ_-_9mVNetNYMiU-EEFxzEdQPXP8RUlHTCvAlKo5=
ykLrL6ESxTvjUn2D3CisJevucu7iE-Uv5bSVYNwNtDT1n89jGCGbKKn9Bo5yw52yu-bxUe1G5bc=
Fb6ZCvCih_iMlHUm6O3XNG77jgCp8glG_5EASfKs-E3TiAd4W-6DitY021pLk8vdRWpE26lnUkP=
9E7vbWfxW2sjroZHtfTETWlHDKFLJxS8t0epaECc-4k0ZF0qGqMoUXCDZCeKt6D51jcRR5VKp45=
cAr6j2THtH1RYNSDoYHEAGUmrGZyIOb9k~ )=0A.=0A=0A* Moved home since 1993=3F Yo=
u might be owed =C2=A3100+. Many people pay=0ACouncil Tax in advance, so if=
 you move to another council area=0Apart way through the year, you could be=
 in credit - and entitled=0Ato that money back. See how to claim in our Cou=
ncil Tax=0Aoverpayments =0A( https://clicks.moneysavingexpert.com/f/a/nKu1h=
8kBbjp0VOlpd-qEFQ~~/AAAHahA~/YxF9_Y77y0EcrentLdPu2RmYl4Q88AuEX47LX9sUnQPwD5=
waQPu2zu2a8QHI8-keoZWB6JPu3JuB1yjysITt8Q9xNfejm8AeKposKKQiW8yk0WWJa-TLZPAT1=
iz8WiWxOkOdOGeQMDpayzOX2mp77zKwW7eB6kCED8gSu68Ok6bDAcuVh0dSbRen5tfg1DPWRtBP=
NkaaTbt_VPR1xURE33WjZnfoiyv83U8OsDTnVu9uH5iDJoUuNW2KN4w-nKpNYcNtN5CYU3B5LVf=
6waZVmqTAKLHJFlwukeWh1T3XnYA5O0E0Dq3vdGa4Ukayp7rXm2NERD3CJgChKcRmqVAcF9MAhB=
N4fxXv-aUNULNt3-l7MKDUVDFurBwuSxdijPOq3pZdxhYnSJVBSMmtksqAjko7yVJmjdfMA_UR8=
gFa5ORZAtS27_gc_XpHolzfu6EBYzdW525BKpOswndgPhTfrQ~~ )=0A guide.=0A=0AA mini=
-mini bye-bye, for now, from me (Martin).=0AFor the next few weeks, I'm tak=
ing a wee summer sabbatical to=0Afocus on family, fitness and poor golf, so=
 I can recharge my and=0Amy laptop's batteries for a big autumn & winter co=
ming. While I'm=0Aoff, the site, this email and the next few, will be in th=
e very=0Acapable hands of the MSE team.=0A=0AEnds 11.59pm TONIGHT. =0A( htt=
ps://clicks.moneysavingexpert.com/f/a/-CoqWlzw4g4V_x3oW2Jeeg~~/AAAHahA~/Y6p=
jWORaRT1lOPbU2av5azwx1lspQ-Rx3sDEZUbpxde2mtIn6rzl4hchE7MNA4XsOy9y23y9npjdeL=
ox23g0nISqYypAtRVBHUcpqq4NUmcHOyJT9K1M7kj6_Voq-i8JyJqILNT3pTNS4MHX_r1VMxLKB=
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aaTgR-KiIuej-I5jf4MgC58ToGwPirALbGZWynRp8M-PbaswBW6guiEiJcsc6webcb-PhCqfV48=
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zXgUuwXI6Hlw0CsBRY17PC_pEYhn5OIt7gjT5VSn2boYmQsIzrzKk_IBG4A3mppmLReKusat4gF=
4jKi3M6MyIkgCLElDm3t2z5SIn2Lob4fPmmJLs~ )=0A =0A( https://clicks.moneysavin=
gexpert.com/f/a/Ovz-M5mmlX--Hz9rDaoxEg~~/AAAHahA~/Y6pjWORaRT1lOPbU2av5azwx1=
lspQ-Rx3sDEZUbpxde2mtIn6rzl4hchE7MNA4XsOy9y23y9npjdeLox23g0nISqYypAtRVBHUcp=
qq4NUmeoJL-vFYK2MkcKWfHqMUmkOBtVeJ7VFjKsyZr7XG04oJLXe4TBjFaFPdlxkEYZ3EraOSJ=
xGOedvnOBBaPkH4vBtPyLjyLVb9AwuKmrLa0Pdq95oiHjp1utIOsXPxMB1oWyDCG6kXnjpl6NLs=
9QOVQavs-RPxBffWBoWUrdA_7ah-QRZC5tqhXQN67nfJL_61DugcoLVWzrdVeMiuHldhX3ZdLgX=
MAl7iCmDP_5yD7XKZTaoZa5jkckwowavLtJBAyuNGyxx2-GKCqvj1l5c8NMWP8OTAweuunux5S4=
qz7WtzM9RqzerAJc637fxZ_9eRnlniCcZhCKsqoxdMsCXPJJ_RQSuT4OifiNIzFmDnzOQU4paNb=
eNmRO-MpsKn9fGsQ~ )=0A5% easy-access savings (with an easy =C2=A325). =0A( =
https://clicks.moneysavingexpert.com/f/a/1DghQbrDAj64xGfK__T6aw~~/AAAHahA~/=
Y6pjWORaRT1lOPbU2av5azwx1lspQ-Rx3sDEZUbpxde2mtIn6rzl4hchE7MNA4XsOy9y23y9npj=
deLox23g0nISqYypAtRVBHUcpqq4NUmfzVRWJy17ECFhBVpyU_0Oue14BkFZdPsOuX-RMeQj-H1=
mu0bQu0SzsQJtl2HLLRlrJT_6EL3W3gQOkUw3xUOFHbdyckOOEeDvl-uSAAHdFApBBX7oMN7ETf=
K_rSE2aga65cbfNtsodTpX9PFxex4BQrsgbPt8O3lT1q8JOFyIpxYh-qHUfoGjhiRbXTE2SfGK7=
4jb7p3E9Wh3F_7xSV4kFSJ6ra93cZ93cLyrQcWvw0WP5DIyyE0uCqMVumWREZBgLC5GwwrtJNta=
kn-y_TM8a-h0EmHT9VvIGwTm6u5gVc9QyKq5jGv2LODAbQIK2tZjdZgtRMnGRe4rSRbQGEc6jti=
o7pNVnjDq6l1tXTWJ6h-tVhqEfvx7-vADSZT1H0ew~ )=0A Until midnight, newbies ope=
ning the free current account at=0Aapp-only bank Revolut* =0A( https://clic=
ks.moneysavingexpert.com/f/a/pb4d4SzrvPzQvU06W811ow~~/AAAHahA~/LOx3RbrKFxXx=
GqyQ1Lz697qb8YklnHCKXyLvR-OI5HyScilg-9Vr7LenJkn5hMjslj5BsHpQ0diWUZFh0LsWipp=
dmiCJWVKO2gOyi38pqa1TreohadREIJsCAgAkZQVOXH8r4S1tGCx0oBl08FHlHg4rhVqvf45fq1=
7yqyaju5Fex7ncIZYjwyyjd05HrJF97Ngx90P3JjgdHNltzMAxwAGjSV0nHEATqR4vLsHSd---7=
G7-Ych5bxfV8VccozUs4_5kM9DrY52_TYDsPkUIhQOJ4ZvEsBDSzdvC7HboSTdgaKnFtgif4X-t=
b1e-ewjbBsBfkf-6Jm-lGeuI_XFx4OTrqTL0J6ZxIwkJXRK2CictsaJswyLlfel5U1v16Os9CIM=
8KWd7J3Y-8g3qV4IdmgvGHnEcGcZSdwVFz9v6m4E~ )=0A (no need to switch) can earn=
 a top 5% on up to =C2=A325,000 on its=0Alinked saver, (though only for 5mt=
hs till 4 Dec). Plus via this=0Alink, you can get =C2=A325 cashback when sp=
ending =C2=A320 on the debit=0Acard in the first month. Other easy-access s=
avings options:=0ASantander's Cahoot 5% =0A( https://clicks.moneysavingexpe=
rt.com/f/a/-TBq2HKhAphYV8c9cE_VHA~~/AAAHahA~/eVzRg4TBq5SxVYUaAHwOLSNtAL_tM1=
qOF_F6ME8evhECMH4icS4fWBA6Kn0LNp-gT6PsAn5oWx33g9i-6-5N2aOFLnbSZJNM6HLMx9OAK=
Sa4NO0GK27Q4e_LbllxTRzBGEVC778rn9q4wLBThoJ4Oj1U9GmEZGcnvKv9vJoQXkiuUAsL8Sju=
zVHZRVKpDShN )=0A =0A( https://clicks.moneysavingexpert.com/f/a/k1DLVU0kanu=
ncbEln50uNw~~/AAAHahA~/eVzRg4TBq5SxVYUaAHwOLSNtAL_tM1qOF_F6ME8evhECMH4icS4f=
WBA6Kn0LNp-gT6PsAn5oWx33g9i-6-5N2aOFLnbSZJNM6HLMx9OAKSa0NqS5eBTeUALWCCG2BcG=
G-dxD2xKw2x2zSUzQSHsKTW9G6Sk6eAUVmNI0YSJqd7abRgXLc_CW_a0zvwl6bb7j )=0Aon up=
 to =C2=A33,000, this time for 12mths. Or Tembo pays 4.55%* =0A( https://cl=
icks.moneysavingexpert.com/f/a/t2G0xyXDA0cq3sfnMsy96g~~/AAAHahA~/LOx3RbrKFx=
XxGqyQ1Lz697qb8YklnHCKXyLvR-OI5HyScilg-9Vr7LenJkn5hMjsf2fRzS0TxcyF3lb-zV4O1=
WPwWuXSqUSU44dBnXznJKy6W2xIUQT5dbbfxHBPvui7FWq_QvokWfQ44dQfFjy6p06GL4SfF_u1=
WqyR2mrhw2Q5dfARHOzwCHw7KOhZ4SXSRgHvEBCL6_peHKCsHvQdnkDxCTl1-y77qgoWLWnUe4D=
TC_36gCmQinI_rHpQR-1qR5KkqzLfM-i6-DZzbmYwpFBC5rcYodIPoFKnXmKcxnVzQYdx60nYf1=
F2WtKrmtOewdz4_EodMJThl6wlbnBrxl5p8kSOOghi8dVKBpePqKU3VycUitUmprSBZGH9855Gd=
b0NdwDaRXqtwGvymFpXpyisw5LfqCVFLoc2WhWol-s~ )=0A on up to =C2=A320k, includ=
ing a 1.55% 12mth fixed bonus (only paid=0Aif you keep the account for the =
full year). If saving more, a=0Adifferent account from Cahoot pays 4.52% =
=0A( https://clicks.moneysavingexpert.com/f/a/XfzS38BEwAvZVO-8rXuSEQ~~/AAAH=
ahA~/za3XFiNazBXj65upB5bhY_KTtAH4v9MLHUzKR-JFxEYfcjOuu0GV1o8SomAKrfdIXBIhXm=
MDv8knbVzpJ7gkg7Tk8c6O7FcpmYpHhTLM4MHAN13C3smuNyZOYgETjioLXMHUEJGyOKyiyYw_E=
1MJWbjRqd8KcbbSYUISzqyBtx3pAmkVmq-HheQ-ekdArzzM )=0A on up to =C2=A3500k, t=
hough again it only lasts 12mths. Or if you=0Aneed an ISA, Trading 212's ca=
sh ISA 4.51%* =0A( https://clicks.moneysavingexpert.com/f/a/CgQw8htPwS0thE7=
lY2KOeQ~~/AAAHahA~/LOx3RbrKFxXxGqyQ1Lz697qb8YklnHCKXyLvR-OI5HyScilg-9Vr7Len=
Jkn5hMjsp-CGL-1ARNvR3HhumqBCFcIArR4m5Yt1naWf1IFnnY6WJRxr3LbnnpIFw-ba41B10c-=
G-afuAYKjDR3bUjG4QOnAkKm_kN3epvWw2TNZUq1Q19RitRDODiRucf8w0gB7b-0FfH7RKeNSyY=
q2eXAh70Ki20FhhT7GCz2sa-2ai9b2jrvyKTgphdNzTTQ-ALPRHppGnlBU-RX9zDEix19NpCBDG=
XCy47XPY9Ic3vsy3tYNYvlpYy-v6_K-o4wMUrvde5F6ZQhqVqXr4rVSIwqzG9VXlr5B9yHzsPcg=
22EvRjaaec3kK9eaxcm1LKoEqDtksr6lYhGlnr5v8wju6TQpTKKW0YyZpZX1q5juJ0O7Wpo~ )=
=0A including a 0.91% 12mth bonus. See full info in Top savings =0A( https:=
//clicks.moneysavingexpert.com/f/a/22kAqyQI98oqUHEhAXrpOQ~~/AAAHahA~/Y6pjWO=
RaRT1lOPbU2av5azwx1lspQ-Rx3sDEZUbpxde2mtIn6rzl4hchE7MNA4XsOy9y23y9npjdeLox2=
3g0nISqYypAtRVBHUcpqq4NUmf3fQIaxmDy0bMJ9PfwEq_BAaID16vwUmzE4vgpgcmS2X2vPTce=
YZHhCf1rtq-I3AdQmvzh3ATa7vBqE4WOOkMzvNH5JI1VxHVm_D0Oo6kTa8pKPagKzDHzzFs8hYl=
LouPmxefIL1t5i9utSdsONf7An3WJ-xrmJp5HrplF3U0-DxAa8Rob8YaPcz2rXRUGRvEud263rr=
8C6o_obLSHFTqMoUBpzzYJc_HciVMz7iTx7PwZ-fyFnlgKr5mX8be30ROC6OUbXzmroz8mEs1nn=
5eLr2MW8KhEHox21dYKcnHe1IfAeecUkWLHiOl5OeeM6bEyeKKu5Onb0w4F8i6gvbRkhxhmx8X2=
eN_Y5OoF8-HBb9WA_SZ_E9WAJondnhb3OJY~ )=0A.=0A=0AMartin Video: Why you shoul=
d check section 4b on your driving=0Alicence. =0A( https://clicks.moneysavi=
ngexpert.com/f/a/7l3OSinViuurQNZlbMHa0g~~/AAAHahA~/dNQdvx7szutxLDeN81QO2tSf=
FkVNl86fJB92qeRnJP8X4N0GyHxop3hSxbTiZ0bdTehO_pDsg1o5Jt19O2NtKYsqGHq2e9E6DuO=
NN--c5q31-41Xl4I9xgfXXuMy304v5DSdENJGBvjApr_kq9KzEQcZ0OvsUbNSqPkfYUkv9xQ~ )=
 See=0AMartin's 60-second driving licence need-to-know =0A( https://clicks.=
moneysavingexpert.com/f/a/cXs1-wbrrvarIIlC9IcywQ~~/AAAHahA~/dNQdvx7szutxLDe=
N81QO2tSfFkVNl86fJB92qeRnJP8X4N0GyHxop3hSxbTiZ0bdHRDre1-X63G9pLdOvVqFf1c9H6=
HaMsD8rzZxo6AVWN7gp1P0mD5Zq40kiuVA5u3SVsH0qBstypFpXjyBhBQzikfIVqy6_xf563UDT=
cIZXew~ ).=0APlus, you can also subscribe to Martin's YouTube =0A( https://=
clicks.moneysavingexpert.com/f/a/MAjezzeUNT0FK98Op4n-FA~~/AAAHahA~/HTqlxHDD=
qy3PcsCpf6ttGHQM_GqzHZM7zuBfOsRfYlRpa02SfjxxN_vGTYQ03PQEWPP7hPLpdTsNazwaHel=
nUfnQZSVW4ZTAyB8xYDIxSVq6C57wQcjv-NA_hy9HEAVA7Bu5h-d26Lt4HYZxSpmppwQzxpnhut=
GuRjKOmtZbURU~ )=0Afor more.=0A=0AThe Biggest Stoozer: meet the MoneySavers=
 who've made =C2=A31,000s=0Amanipulating 0% credit cards. =0A( https://clic=
ks.moneysavingexpert.com/f/a/ZWQTdssgur6IsOTkEIw6wg~~/AAAHahA~/s-EJlEG3tHom=
05WRaL9gPHhYc4uthnPsVd-VP5SkB0-pLRPb8V1LiDD4qazWpU5b_V9a37hGUVT8okCK91nOM7C=
aUHnbtKgHOwRgL_QCuw841dffgD1zwYThBFZEtw_HoV5gPIRhJakwG-Mgb1Y1de4VXukJlLnIsR=
kGXzmSbzzpa2sFmo4hgZ-3uUgp3QP6QlsdmCXoALB8nfZvEB81Wn8DernlU0WWlhPLZkwYTbPa-=
kMuOdHM6b7DaBLer8k9vnsOXheec1_ukTIkync6DK_fsWDYSnRYPQMaJgGlSOXLcNX2GDVIEzmo=
TD5taoxBoKulDhoVz7euXO_BI_wkbcb1ANyX3ezd_CZIlhnNIuO5va2MsKkFdLCWSLFYZGXbwtc=
7HYK5FPOWWybugXQs9czW6Hq0WsV9ykC8Ami_PDujLHjRfdE7OppK8mKJwPy16jRyn4GSJDB30b=
33rJkVIw~~ )=0A Plus, if you're debt-free and financially disciplined, here=
's=0A=0A( https://clicks.moneysavingexpert.com/f/a/AwTO7vS-_xinmjXGIs4-CA~~=
/AAAHahA~/s-EJlEG3tHom05WRaL9gPHhYc4uthnPsVd-VP5SkB0-pLRPb8V1LiDD4qazWpU5b_=
V9a37hGUVT8okCK91nOM7CaUHnbtKgHOwRgL_QCuw_Qw_1U_8VRwgk7JbMWI8JNiJJFrvaHaLBJ=
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UzT8G2h3QEHivb80nhd4lWZ8h4RDkLTxB_NnsoEWwfO8J8nPzlj2NDN8YfBZRJcd6px1NmIolXQ=
ubevMLmDlCN2slecPfalDJ17Wx1YPXyJArKRc58Spj76zh1u92WHPd7JdLOvyGNp7Xyi82NxBiv=
BY0ZM_16_Uo9H0m6O3hvIReXe1IMnA3qcqgkAi5ZxEhT3iBRrbJ3OiQXO9bzrvvnhrds14C15m1=
Md_TFhOaFD86YuVgdy9y20ND4Hv-3w~~ )=0Ahow you can give stoozing a go =0A( ht=
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WsoYAW0GDz1skNZX-wI2HCEsg0RbOgLVmG13kNABlCcXJLE-u0rAV0YJG_y-2tzWwlZrhee-GD_=
qymAYO-YbKxZkX4kirwc-qeNWbrtOxCGCscdIXvxHiKO33oCd4h-jIHprjTquhXzJFxbgxob94K=
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yNVDmuR2rgmJX-Vo17VZgEwtgzPuY2Ge1kEUtfULxBXvMJN6MFxhrg1DkvUb8AHDKO-BrjF0e4t=
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OHVISS6KsPWD29-oRULucm8vJwKvNOE-MHYPEuyufhoeUInPge3_fGmOIc5F8oAyc5UD96ifXHr=
iWeIhDPJuuU3bYxLWOJ_WRTgryB39KzfrNHzjl-XpI0_Z4VGD1Qg~~ )=0A MSE Blagged. 5,=
500 available. Shark =0A( https://clicks.moneysavingexpert.com/f/a/--NMy_xk=
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kiA__0Ylkf-gOl-S1E7KfNQqu4ZECCCCvzyR8LfaqYJJcQ~~ )=0A=0A=0AEnds Thu. =0A( h=
ttps://clicks.moneysavingexpert.com/f/a/ijP78Kzlm2VZfv1D2Qgi7A~~/AAAHahA~/a=
VMOEzDuqjzF_v4sOZaXu18u3u7N4QxFgnMs9LUPN7H9PRlyK29LJIqw3RvKGQ3zZJFJexd9gWTU=
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TyTUodMWJqlhbMJnN48R7lrEWNJP57-lVWObaK4WZrDOlhy3E7Rc0Co48_NmEXxyocUM7lw_MLo=
CPdEvNrGWfW5QG25AtrgKWN3tuaMq14_zuc189A8bOiM08TSsLgXfUygvXTBux9JkDhqRHVwYQ9=
Z_ipCdSq-vkBtowRZHw~~ )=0A 150Mb Sky full fibre broadband '=C2=A317/mth'. =
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xYhP5WO62KhqfPP58s4XOiM3JapcuEj3J3MpH4REjFI_KV16tP3aDZdUOr75U03EutoWXP8ivmE=
PXTVweg_dsI0q0v6wWPwsyCBA~~ )=0A Switchers can get this 150Mb Sky broadband=
 & digital line =0A( https://clicks.moneysavingexpert.com/f/a/iKB5vuXOcO3x4=
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qw3RvKGQ3zZJFJexd9gWTU1AyBUxa7L0P6NJjCFLQ1peSMh8TWzziH8Q21CGaEKYqOZ8NyEjwJM=
5zmE5oDcXi3si6PXMwVM5CfixwMPuC9sgRqGX9GeqvPAawn6v9IvnoggYxtjadTowaI-I0BOUld=
d402LEzS57dwYsqA0RiDD_LXkOWPkgm59Fj_wbfrKbP1-1scAZIHCNjQXLOjv6oZ5vNhKRCdQx3=
CrKohYLXAc1KxXxnHADKfboegGgPVtHwAvNlYUEwUjEclhiGRE7h959fLSijx41AiC_FX7u-X9B=
ZnnsFel2y7DIqOxv7kgUlsX71O6BgvC6tQkERtN-CXwaBjgMZ4PkeiRiFdy_OBURxnvKFICYSt4=
d25h0SJrZAz-DDBuZQVCXRMxTPUYPOOiig99h_joQ~~ )=0A deal for =C2=A323/mth. You=
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f not received). Factor that in=0Aas a discount and it's equivalent to =C2=
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Z763pq2mtN4rrnu3HcgkqQXZWIgSwEjcY9Huynfyb2t49gZsl5iws4tM8NrDxApYzGPDYXc6XYH=
k-katqAkN8kecDknh1DbvP4fQkRi-qSML1A6Qy2YyX71Y3tcoKVfPBLaNbH2enX9UGLizBZN9F-=
gxjDPaWT7OjkoYlWUBF-by7oVm )=0A.=0A=0AMartin Video: Powerful consumer voodo=
o =E2=80=93 it's called Section 75.=0A( https://clicks.moneysavingexpert.co=
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nd=0Aread more in our Section 75 guide & template letters =0A( https://clic=
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WzX_adis83i-calevF1oYKutV2-kGRhWWo4x5oFO-LZQy0OaGcXbuo4cFcKpBbmIok6BLlfgFsE=
AhPO7ii07DG97htrl6xHyBhBqst7Cf0F0FIUa4Q12jNhID14YrXWtSw7VSj8C8exzR3k6L3ApU4=
e54k-KHWr0jov6ySiaBDKvznWHW0DBkkPtzKEV9ib155zUA2nKwQw0jGF9ESjhUfRKdzifRbRCq=
4nstR4A3b2CSolNrlBMg4qZ3PLyrMflrfQQGUE8Nic-mhLcTve_0Iut3IkSnRncL2llJs9Tzmbp=
tsX3I15mogFRXAaGK1RZgpM4i9ZIyYIBAEUqHjckQM_NNWhtzApKrTZO4517n_vwW1ZfN9D8Icz=
41mhy3Ag~~ )=0A.=0A=0AIt's back. 'Free' brownie, doughnut, pizza & more Lid=
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juRC89irCWeHMmgeIMCw7VrRG8bAlA0IoU7mIf59RCy-6cuKZEciNCYuLbZs8_FdZOUIbwEvlXE=
o9dbRUcYS-0acxgqER5dSnJMi-4W6ghg1sSZADroGV4vrEF4XJETMzam0R6fqncRJw3nb129qYL=
ojodw7qME4320yOvVILmlw7Ef-VNeJ-KdVeHTwvpuVe3qoUkkzOqdqTB6bBuC9a308xU7T7B7nG=
Y3AXwZbms4UnrNzuAHaJ5bE5H2RycZAktaHRUUHe19naySVhnf-kYikt0aahveNlEMFQ59XZxdi=
C5tUChUDqRaHl_MSi-zp9eivvta5RdLxnI95VN5b822pOA56k7bqo3nmLcRFz20rJ_4l0rR1mJb=
e5MKR5dCrx3rbwt7_lm39 )=0A Excludes N. Ireland. Have a Lidl treat =0A( http=
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jzron2DCOeA7Hh0AStnLCALQZXjpmhhftAkKAqqrETRFqTyCMHP1238T5nvihB0xchCf35OdcAG=
uMy-Q141K5rUu3a1DSipmW4QTU3YQfBQTJPLo1hqliVkdWNS-IuJlggjT2nki2KMjEXoYCBbKZ5=
onOtyJLKO2hHW5t-xZSJdl3iuLN63pDj0ZcSvb687u8rhZVZF8YkCULQIIS-b9kdBIIFGr_VdNV=
Q7-_SwzWWKQ9CEMlASARbaAVvErdGUqp1ZhAa_PSYlMavXwI5rS_r2qPGEdAf7sS2YEkkaUwD56=
6-OYU4xFFjeP58qDCraZAW4itMZXvZwLPTm36WMf_UudoBRuhLnshe7veJT42tixjlopJ )=0A=
=0A=0A'I'm stunned - I found a =C2=A319,000 pension thanks to your tracing=
=0Atips.' =0A( https://clicks.moneysavingexpert.com/f/a/3iFNI92VKz0WhPCHrM8=
T8w~~/AAAHahA~/QhE3zSg_DBv54lNRje6205v_tbgLFWpcJxTZ-ulzlmDlN2CQIXWL3Fof6fYl=
Zw5iyG4baVFbRf-W23zUe-meu4fz-uKhOaASeBmMCISBj4aEbdoKiIx7Kc6NDp6EXmEDBbotSqO=
FIIeIHyGneHSYAeTD1c_eK62_QQA8Fl2SF2_aEp-gLdh8O8ERVMsdlDOn4bhMdhmzefsNq-T6lV=
nCf7X3Yws71DOppj4AQ6y-hnYQhCVMyjvU3CY9Qp9UG85fmMoPj55H2oNYBAMziiuOP6jYSXIit=
tPOkecoOL2urtJbcIHbETeYV1jBVDe78nRVv51zCBwYwpe2VNTdIY9dbhEXeJHwd4ACK2y_lu-0=
PFzqWXGASXxfWFKJtLEHdwesfjgC67JJQsxv6B2MoXYaW11M8zH3aVBsx3eouueqHsAzXCmmP7g=
so674j_If4Aic4khAQ4rFtHR8Z59q-7o8pQ~~ )=0A Success of the week. After uncov=
ering a sizeable pension he=0Adidn't know existed, Bernie emailed: "I found=
 a piece of paper=0Astating I'd paid =C2=A3303 to a pension in 1989 for abo=
ut a year.=0AI traced it using your tips =0A( https://clicks.moneysavingexp=
ert.com/f/a/z3BKEJKR86oBcmt8tG0baA~~/AAAHahA~/QhE3zSg_DBv54lNRje6205v_tbgLF=
WpcJxTZ-ulzlmDlN2CQIXWL3Fof6fYlZw5iyG4baVFbRf-W23zUe-meu4fz-uKhOaASeBmMCISB=
j4ZxhE2FiYXs8wCt3wPJiSi9bnCEmCpiEssFiTfXPJI0IISNHzbNOrsyqOzXsqTtKVtgWWWxy24=
ogQ2MYXCo8FQB1nnmUIYXbCdaH-819W84IamACyGf_mhnIdONoJMrt99fIn1CRHCG3bQ0Bx9yC9=
Y_sjVNGUFrkj_-NkAK27S_6qkkBIFOXMmK-iwx1KfeG0rK3B0Ccrn6srSEggwAxzSC2dWSMdPzG=
UJwWjPQimZk7aPPdy6BLqUn8I7QUfYBsLKDcpyHye4sxh5msXBqyq_zrKmpqqFPZ0I_LnoSjxo_=
D0iomIN8IsKue1gQXfPbn-ww5zKHDC_a3_SftDk-tTpEJ_EuswCGMibja-k0NcJJ-g~~ )=0A v=
ia the Government's website thinking I'd get the cash back,=0Aplus a small =
amount on top. Turns out I have over =C2=A319,000 - and=0Aif I leave it for=
 two years until I'm 60, it will be worth over=0A=C2=A320,000 and a bonus m=
ay be paid. =F0=9F=A4=A9 I'm stunned, thanks for the=0Ainfo." If we've help=
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hdcqtmETuK26j79io-YIpFE6Ps9fpS_fJW4Ou5F0p0eDvUtjWPvgglrXEllwJu7eVxJTVKsDKmJ=
sY--Jlr40ne9hLF5aTAhAGva6LvsEa1IGF2CsqgsfpsOC5EyTShboaMuL76nc4mPxPc8Ujqxtfz=
z6cBe_jgDCZ6IhQE3VUxHsG4M4zMKlowpprjQgSGoyHlyHh137Phs9n9FPFpIM_16XFP-UT_l4H=
ymx4PbplSV7XY24GnWkWqd07uleXDZ0orqyXiSAxMD2gUgodlwH9Db_aVNAhCA95SAMWQvbmk35=
RW5huFyl1gj20JlFfuMJPpFLCmd9XJSUWosmdBx-i1goGCs6zUwoxu9s43P65brYGQePqiiv3i0=
yTLoAcmU1Ed3NiqJ4gbdt8gwcAXWR-DdWJTQ~~ )=0A Thanks to TikTok-ers' love of '=
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YOB0DV1TmV1bRT_NioE1FSeSDOFCGMxdCcknLIVKtFbo8LgTwMikDU3ZlmPKmzfwPQcL6281idG=
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JqBUI8Nab8c4N07x3XsN8bDyvmepwfhdapgGrAyN_C8aEMTos6HcmLR74zc1xKbYXf-xqL3lAiO=
BwDXXaSqtlejCPvppKWkeqwEVYCT9XAZUhg8V3cO6oqiCs8-czmKUy0cWqM_EmPpaNUe89yD-WZ=
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SeCNcBXXDVbX7pHHFcSoKqjcqIJY7Muufl9tA9rBf3-Ip7Wps6ZBV-wztZ_6IfbuviENSEw4y8H=
jvR3nKmvlQ0Hch7FNTT5ldyVOD4OMHXAF0RRI4BcpBiRQlrlZEEGnAOzVwDgjeWC2r3fVynDQoG=
B4S2uQLg7eQ51XdzUSnA88JG5fn9rJFg88HZXV-vcQCCyPdZ-rvJt1QOgXgyKIw6dE_pnaDJrbg=
aQyS4IX5W4XI2PQ5gi_T_mmVyvH4h9CFMWRz5qbKoCw0dtUmzW_fCGq1ZK7CSaUkT5lXEqT9iwI=
rnakM1p9EMpZui0IUE6gMwjKyHd1bGQHVLxjujaixclRhNtE2ueI9aBv110hPQyS0PliZ3thF57=
Yjjs0fXcjJyyofP3Z_bG14S2Od1q )=0A.=0A=0ABLAGGED FOR MSE=0A=0A- =C2=A3150 Sh=
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mULtp0qbgmTU95CN4gcy_80s-DX2FelGRG83B7oHKCoywlI_vGjS5BniSPpnivZ0o-LvEZ3gYqP=
4z0e2P1abjUrlULVS8lCztq6CanS7Q8I4qD-1LxJDARX6db5G3AeWSWQR7wCdW4DOoH5MbGZ-xR=
b-rBLbh2gYR3UHxQlFxyvafNwZqkxRI7qg6_dcZjEO65pl4KJJUZxT0acPJYOoXuImrt3Bk6HWu=
vvPaHy-CDSdXAg4YbL80Cf_N_7rYi7ayjZiErg4wqxGVweWqJQLnYnz-5-auu1BsxZ2BkEkpDV8=
pK96tUBEn2_laq6_rReaciTYWVRo503DToGXrpyIdONFjnfig6xQlcyqSzUGV0gWpRxP8oW9COy=
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ailable=0A- =C2=A398 case of wine & craft beers for =C2=A345 =0A( https://c=
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o3ageliTtihObN5dN3xKbsr6GYCU5JRjeCI-2skJVPE8xj1JkSC8ShK23G5RhI11rhLB4Ps50Hm=
7g2UpsK7LwgUJ6L718YDseUW8iYXeNQrE0Abo6K7uBZ6A2tdwwY7v0Rp7IYvJ5as4H9S58uhGdH=
_MuAERBi_-Ll02OpqL_1PPVhLkLq49472Td1I_xH8tGVvqKUeLX89WkfW_BmNNkJFYzXwUYCk4d=
h6u49JVOCRaAjH2Qs1F4c5wVbnedMDfO6qLtuVYAWyvhpGWw6-IIGLs9bB2fLNjd1H-coQArlPF=
xNXpHMYsmmNAtkM4KaJAQmVyOzDnUK1c-Gngd80al8AR1vGkF5v-y3Fc6iu2uclKuTHJn2eMD7e=
_AUA4dJBgpw~~ )=0A 3,000 available=0A- 100 days' free access to 5,000+ digi=
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f675IjM-rT58so4b5eFMH4cqJng1NGeljq3MCY9D8ddb-2bnJlODVr3ONIIncHTRLGhHdFsxzRf=
PmOAfgVd3ht7QeVg6YcfWkwzcjATeu8_4eroQWdzYwRd0WdZqKZ2waZIg-iTq2uEBC4snp08DOt=
eKh14IRPUI9WdkauTG6-oqf8vwxI1Mi3ejOQfBduxl6M_fqnkIA3jNKHACryBy67x-MDAzXvZ90=
VzXntuFU46-S917HciBDgQfj0JVB-4wfPELCWcCjHv6WFeSad5wwZvqkKYVSfM654hueDVlP-No=
EKk0uONOcK3ROBbUgpLcaQuPBP40HStq8WmkpblsThODoKVTC1AHkXcMZSCQOwTjuIfW9Dv2ERP=
kS7lq0etDmUJHnKs_md2h99s51G9N8SNgaV_xew~~ )=0A Ends 4 Sept=0A=0ADID YOU MIS=
S=3F=0A=0A- High Court backs car makers on diesel emissions - what next=3F =
=0A( https://clicks.moneysavingexpert.com/f/a/p2fRC2WaZ7h_GN7m9DanAw~~/AAAH=
ahA~/aVMOEzDuqjzF_v4sOZaXu18u3u7N4QxFgnMs9LUPN7GIfafAQ_N0bAtt1weqlJRJNL3YI7=
VuhSSuNopj6I8CVky7pc2P3XMQHac_30sHuaHZ8baRB5JCBjOMiVw4SNV8VPWrzLoRK1KUg6TN3=
0eGBKigvQYxW1zfcH4oZtGwXOQj-ULC61bLxmn4RpCOWbxmj-FXhy-98hDih1rDBl0rZT7IxK_K=
FMuqv9FwH6xkGhIxgdPCEYWvCUl3Ru90yxEnNJT2v2qDl_WXeqg0qM9UIhDRv_NCTyTU-tvFQ_K=
ai9rvHcjMKE5rQ5Mol1iYxe5GQuLkBdhXArnTSuTyWQkHI_BVb04pvDoY2b59FtLOK63TNCdFtW=
l4VEb10lWt7biBsO02SCCBWa5H2AKDsi9ZUrh4lBrlW33F6vxYucGZ9ntLMeD7wQk3sai84_vdy=
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mwNpyEvuxBAh9cGTmMuJR38OVpz3Uv4KFCuVBY6tziEdxWptc2yMybvOIt_3RmUdfd6sfybks8b=
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 Saving for kids=3F Don't make this mistake =0A( https://clicks.moneysaving=
expert.com/f/a/GGw2KtmIBPUsA93oIaOkOw~~/AAAHahA~/IMpb0odD7tr5G_aTELOu2i3n2l=
32xKnOmEeDtDKthuUFjgAlqHgXzZNg2lxCVZ7pHjHqMUV0rxc_meyojfRvpOHAtHHr3KyL36-3e=
PkOL2DLb_9KmZzQpm47qWVIvaYaEpZFAo5MfprYHECEaWKfmsWhWkI35eDqLUmx-TeJQAsshbpW=
8GJT0_G3kGdTb33BA4d6WcvB61Ja0wKtbJt9F7DaZtWZ_wNj4PDdPk6nnNXob0U49BYAEYfLnQf=
RMvar3u6Y5paa6Z16T5JAAxUCRq6baFu6fFc41lka4zD1uRWltIl4oDqO73Hqr2I1ufe9xLojd0=
LCGeoR6b8QVRVaIfNNbV8iCPQyBCrPcbShYMDRUGCo7afLhAsvfPpINPTD1DyOEN6Z4ZweLfOln=
6INvmejaKU_ATg2lHvCdZh6TH3n3CLOyFCT7zm4NrYJZClppaj-8S98Lw9t6Dh_35m7Og~~ )=
=0A=0A- =C2=A32 fares, kids go free and more bus travel savers =0A( https:/=
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R9SLAzYVaiGKOx16tizJ6t-vHSCQsXUNZMvJBvJhNyTuf3pjXHyjFu9h5g_BU8derWWJCoPtJF1=
EqXIqL5Hzrl9peEz2xGG07Fi-dnucuFfo1LrKUBnLjBaTl-Avwh2hAKYlstxp_y53kjuGtIkAG-=
blNUcK0iAfNQRxpPtJm2H7kntxif28eu22SqhsADfB9Px0UTUX1tIV5TLENLbemd6RUr1TQ3IE5=
McOk4D6shdvEOX44bEtIbR9VH4EULtophOrQcXr5rUZM2iI-L29HtTHHrxrrI-j0YHb7hi6tJkY=
Z4RD2GSeTuzDyPEkqbMngyzEUcErZzhU4O4iFlCDlJA0A-F7PeSO7pKKURxpJJrSnTX3gAnZ5oN=
27_Xt7XAcmdU4vKneXJVZ4oRP-kteSdKg-aRuG5TwmQiraPnipQvrcrZEh0C01ZDs1 )=0A=0A-=
 Get an extra =C2=A330 cashback when you spend =C2=A35+ online =0A( https:/=
/clicks.moneysavingexpert.com/f/a/FHhqvuZHO1EdhuAXOTwYPg~~/AAAHahA~/3MwSBo_=
p8Ux5BTSJ2k8FknI_WwegoGLR6Go3Qk29zeakCHW1vN_XLUwID8adXQg1bWKQLHQz2Uju3ixykp=
xeK6G8G5uNcLHPj0M5kbgGCas-ZLTXL1KpCS1dRbPWlr140CMsBI3Unjgp0XhGyhJAFNqVNCOVA=
lV7dn9QsuLRz5htq7qFheaMZo9e8vnebz67D678DjIaNHWScQKHqiz5I9DUWyd-H2MVoEA1x84J=
ToremMUstZqFhwDk5UF4ea9aO3CKEDlW86r9UnH4hRcpFHQfvwhsGsMjVgRpXZl5-7uPthbQIXR=
d0ae5Po5rBz9Nl8OKKoJsUtORVD7fg10A5tfRo5Ty-PFiHlEyfCMjn4G7T32bTVt_Lae5x20wBf=
Guglt8tRTdsEuLE9DExJDl_S5GxUuN2ngzufI06cSIe9HhuogChzVXpoUVbI1bqgDPj3l0tXHGX=
-l_DQwoy1HjKQ~~ )=0A=0A=0AThree steps to slash your mobile costs... =0A( ht=
tps://clicks.moneysavingexpert.com/f/a/OPs8ZhtVEjVMmLY64NnOHg~~/AAAHahA~/WF=
iX915batiBEWR7PcZT3jp-ifRoVk1BSgXMiI8wtA0CF9DTE_SjB7MM_umYYrq0aIhvdKoCtMmbQ=
a82JXqKeuHEoA6HAmiddsG3T2StuON4R7PKbq_GGKzqUyTqru8aC33dUum8RMcAkGiC8ESnbvMJ=
PXVAnok3tSrhfPn4al7nlwNx8z5oG9vXu0ZgjXTFkMCLVGQXaLF5g9f8zFO1vo5hv0rc8TScl4x=
nr3aPPfdZ2i1WHW9X1yjzpdpmoDKe6n7SxjbvwlAzFJn-DMRrEsihei5ivWxY8KArrp9gAP7pTH=
S4HrJuI1dZj6PoF7Hixz0K9D3etFIpJIDbkh8juD1nMJKFFGOdnFOmDrhM0_03GkRrXIwKFNlp9=
nu3sMK0mhwHxgH3wOkUX0JnR7DcGCLCCAOkbn_Q-EdnJHxnuXIW1jWnNnOzZjXcwB-20Z9K )=
=0A=0A=0A( https://clicks.moneysavingexpert.com/f/a/K9TxPm0vDWcA3tDh9fnsBA~=
~/AAAHahA~/WFiX915batiBEWR7PcZT3jp-ifRoVk1BSgXMiI8wtA0CF9DTE_SjB7MM_umYYrq0=
aIhvdKoCtMmbQa82JXqKev1mYezcQGObbEB01CLRhgIZ-6jYkK8g7EAJua4LiltL6HW7ItY3331=
eGt5YUiAIDaTZVVrX3UDRkGmUNpuOmAAAeB1S0Q4qR1bf_mvQYjC29puKEbWQzo61Yed5CBiDG8=
SE-bwlZ5zsNjHn0I7qJODQ2dRAuVnImWElD8y3z1cbMp_FxgzeK8dBRgENGgZXoJssz7hR945nz=
1dudKe9BNGid_pELtoryUCE58k9rfq0Jr2lHhX8E1Sy71jTwUZ4Fy1fEZapI2qZzIPS9Z_s31F8=
QGgzmZIQq-Rz3mhUhBfVdDsLoRUwqMMlTgSZxfbR2xdKZdeQdxG4h_Cxg0-Mxv--8KPO0rKnwpw=
wHZqiNFR1 )=0ACheapest Sim we've EVER seen - get 1GB monthly data, unlimite=
d=0Acalls and texts for just '59p/mth'! =0A( https://clicks.moneysavingexpe=
rt.com/f/a/EefOipwJQ-DCb0-CCArwfQ~~/AAAHahA~/WFiX915batiBEWR7PcZT3jp-ifRoVk=
1BSgXMiI8wtA0CF9DTE_SjB7MM_umYYrq0aIhvdKoCtMmbQa82JXqKeiboCocx3R9pTHSlbLxft=
8FMVpZiZ0WQZ4xaFQWEXP6jE47xf5EfQ5kAomDpNwYP2JKH7jA-pBwURHxut1shXbqJj9I2kBY-=
gTz9GRFj-TXsSysGECgnMtZVMob7pWel-dR3imdUVYcWhU-_x2ra_AKlY2FtymxeDHWOH7qrhFP=
VWfDShfe3x3KRWvHGTpeO35gT9QVwfPmkzeHgYspNRLFgLv8nt4nxhosfOJeAvmCFleitd9AZN4=
OIdwKezDC0yktJTQ-Z0woVdmfNevYjMm_vXLSHQWE3KLzzGblxUBeS6pafAxPYVtKnbXEsm7dmp=
MnWxABJNE99-IqIIUAGesl3lwf_QcrJawK-PZVjLm4y )=0A=0A"Thanks MSE - we've save=
d =C2=A3400/yr by switching Sim" =0A( https://clicks.moneysavingexpert.com/=
f/a/bxzOgJHBLbRScCBt1wHFHA~~/AAAHahA~/WFiX915batiBEWR7PcZT3jp-ifRoVk1BSgXMi=
I8wtA0CF9DTE_SjB7MM_umYYrq0aIhvdKoCtMmbQa82JXqKeru9zSgOK6fezdvGSpiyYHCimEEY=
ejPsraWYO5mJ2X1xEjSFDCHWX_LGZfjIXtjBUUxy17ypOcHDD0v2QWboPZJtIV4uP0GIuiNuxzW=
NYb5QUiw4xAQeSEEApQCaT9Q2oLLuiRhVjIuAfZVdOeCAE5HkZ-hztfAfpZsLDt6ggpddaj9unV=
mx9KUpYQGpT7lGrgmwvBh2I_Negtp2syjv6hC87EUYrMNaVxRKSuU1Afdx0sMjmp8ug3SpEOOQl=
5G9eDbnHBC4tY05BmH-GNlcS-9djnsEPS6QjGlBk7k-t_Ch-vJ8Jk0d8qaMEtbsGbU694MQDz1g=
CG5Lr0NjpBN-8vySXJCLWMzcdRBFvwVSx5aQ )=0A=0A=0AMobile prices are a tale of =
two markets right now. If you're=0Awilling to switch, Sim-only deals are at=
 rock-bottom prices, with=0Acompetition pushing costs ever lower. Yet milli=
ons aren't=0Abenefiting. Around 14 million people are out of contract, mean=
ing=0Athey're free to move, but many remain on older deals and keep=0Apayin=
g far more than they need to. If that's you, this week's a=0Agood one to ge=
t on our Cheap Sim Finder =0A( https://clicks.moneysavingexpert.com/f/a/c82=
ucbY3uBl3CPOEYDj-pQ~~/AAAHahA~/h3Njwl0liTePTfWg7ZPTQ5ZntalDm6p1189ADY3OwP2h=
0ab0aoGhQHdVcsPQ9aESuoAADclB6BwsoWMgDBhEb1PkU40hqBkPtzsribDHgCOm8axR7rWjOn7=
1mERS4Bfnxr2hOHEXfnfgfyk79tv1wAQvL-7qvGVanWWoafMQUKc3qXFIqglkBS0P93v2v9yjme=
JQXHhnNdZtZ37I9kXE7q7tX_4vIUzhXsUqkPZmV1lUDFFL3UWierOnStl3LCBIN9vFyItnNhehI=
ZNA9nPdHNDtU5j46vjc0xzSHZchj7FdQP5iJLE2-6gs-o59qnvOEZ2-UGDcihLSjoT6GNhkdwTw=
14phjw4vIui1CkajtPAa6HBZp5MbrUg2jJ0bDOOtl0WyVxabmGQFdIAk8TQ_CER9fI7BUoXkbWd=
Af5Xlt3tCMZ_cXFzpmojnSQQzO2uP )=0A tool and slash your costs. Let's run thr=
ough it...=0A=0AStep 1: Can you switch & save=3F Check by dialling just fiv=
e=0Adigits. Just text 'INFO' for free to 85075 (some providers will=0Aask f=
or your date of birth to help confirm your identity). The=0Aservice will th=
en tell you if there are any early=0Atermination/cancellation charges - if =
there aren't, you're free=0Ato move. It won't work for some on 'multiple ph=
one' contracts, in=0Awhich case if you've been with the same provider for m=
ore than=0Atwo years, you're likely out of contract, though do check.=0A=0A=
As Helen emailed: "My daughter and I were paying =C2=A317.57/mth each=0Awit=
h O2 but we're now paying =C2=A32/mth with Sky for the same package=0Aas be=
fore. I pay =C2=A32/mth for mine and they threw a second Sim in=0Afor my da=
ughter for free. The best bit is that Sky mobile=0Apiggybacks off the O2 ne=
twork. Totally saving =C2=A3398/yr."=0A=0AStep 2: Switch to the best new Si=
m to save. There are actually=0Aonly four mobile network operators (MNOs) i=
n the UK - EE, O2,=0AThree and Vodafone. All others are mobile virtual netw=
ork=0Aoperators (MVNOs), which piggyback on their signals and tend to=0Abe =
a lot cheaper. Our Cheap Sim Finder =0A( https://clicks.moneysavingexpert.c=
om/f/a/xEzOpTlN46A-F8dNKD8Cjw~~/AAAHahA~/h3Njwl0liTePTfWg7ZPTQ5ZntalDm6p118=
9ADY3OwP2h0ab0aoGhQHdVcsPQ9aESuoAADclB6BwsoWMgDBhEb1PkU40hqBkPtzsribDHgCP9_=
kcRIicOFieuVd51GVcx-yZCfgX2kcf8j2KBNc325y5AIFDu_Gxv40IQ0fJcYNbQJ4s5M0nPVdYA=
Qyb6xoTg3-s7ZqjXxJ9bl6TpJYyLPQPAnRujyMqbeNdRT5Xt88kLU_yedFeTYO3yd8g-mlgMBER=
C7SuijkdO0WTqu66w2HScCR__8yY4NYKMZ1iE9eplDqy6o4acpjoKILROkEdaPpIwkDIQ1SBnh2=
9_Pql26eENbEM4YXEQRswxJbD1F8nRLKypC4IQ7r_n_0x6PozcJgO6asPSI3UOM9uY8X53eH1dO=
w7pkmgYLtpyFUBa2USVxQgBJNUjyhRAze-XX3Ze )=0A lets you filter for deals usin=
g your current network's signal=0Aif you choose. Here's an example of what'=
s available right now on=0Aeach network's signal using piggybacking.=0A=0AC=
heapest Sim-only deal examples=0AUse our Data Calc =0A( https://clicks.mone=
ysavingexpert.com/f/a/FLG0cAS_MxHUx8rdtX8nJw~~/AAAHahA~/-JJWFMQRIs3zXUVMAkN=
YEWiaFDe4_e3uH4PgmULtp0pmXLnmawwJxvsjm00s-gaYV1-hd_2eSd_NguovQUYc_kbSSEzuBn=
icIBEU7clVuWSfOY84GCwz6GDi3kLYiUj9QCl_j-G7sFnIahq9VVt2AL2XD5_E4nAGFt6FgemSS=
OfXltXubpHziIMWEXwYRicgqpLkrR_S_TMCk0NS7bvunFazaiwwGgHU1L_TmkpNdGbAwoH2k4Mj=
hC1JGeEO49775DEW1_uEAa2XPhZCGpn1o3ghOe_q1HwreLa4P1aEIMLw_0mKFlUcVIePTl7niO9=
86vo8rCOZp67UCJOTJki60EVZHqkmCdqidk4AZIExhMqUwOz465dBeLOQ_O-0PgUhdt6Z_gwxpS=
2YI875kniWzDsHbszfzv_6Pxe4VXAqA-AdNtjopgK1N8Vq64rV8W4ZPXOTRBuYDEZbW4qsbGp6N=
w~~ )=0A if you're unsure how much you use=0A=0ASky on O2's signal=0A2.7 / =
5 ("OK") customer service=0A- 1GB at average '59p/mth =0A( https://clicks.m=
oneysavingexpert.com/f/a/cSlg1XfVnrSCCPe1S36Q5Q~~/AAAHahA~/VOE7H-YRby2Wx-jR=
6jEVTQZO_lvLdUPSKnecy4g-1o_khafMXOsKrPXykunjoJ2--5yZbuzlDVgQiHhc7TZLZhBI_W2=
AJ7qD8M8SRdvG9EPtEuPGn4iPJAWMbxdLrblSd5-iLY4FYgN6UJAIdKwyOpDpMQI7LdsbBOi5x_=
S9rea5NqBXZGdnZ8cYkZsdI0qaNU6MgMQqBMyxYu1b26FNkY5qrVB_ecthaOYOB_efW6MiBFmGx=
hkfv6JHm2mo83Sz-G49RX3K4UVK3EX8HWPrOP7OeVAsKxJMrQhfRPRA_eDd0jxI3lmdlvKIcz7-=
-0jmoEQqm20nNiiH7eOVA8_Cx_h8nAhYg-jyQJawUGKCTCbPxRyZRxbhdDtzFWp_s_vINGx4MmO=
1ZcVwwRCuuU8ckoRcU0iDhqk-QodlaD_8pXWMrzllBCg7b5dg8DonoAOQ6HUL0B_eL3nvH6vBgh=
S2ZA~~ )=0A' over 1yr contract (=C2=A31/mth plus a =C2=A35 Sainsbury's, M&S=
, John=0ALewis, Uber Eats, Deliveroo or Just Eat voucher within 4mths).=0AI=
t's the cheapest Sim deal we've ever seen.=0ACheapest deal on the main netw=
ork: O2, 10GB at '=C2=A37.84/mth.'=0ALebara on Vodafone's signal=0A4.3 / 5 =
("good") customer service=0A- 35GB at average '=C2=A32.79/mth' =0A( https:/=
/clicks.moneysavingexpert.com/f/a/PV2CsgmTjDipk-vU37b0zQ~~/AAAHahA~/cc3lSTk=
-Ii_zgGlghoJiJBu0JEQga8_BNwndzVqqjd9GjL0-PO-yioVEe3IM9UuTrPhtwBs-s78G844rVo=
not4mdIdK2xYTAiGs1hKlgH1Os1hYHsQqQgGyjsFcGT-XcG-QCpw8ZXgM7MzqMX_OHfE81qycLK=
T_G24pW6v88HWEpr48bi85d6FIxpBp8_ChwSiJ7_73IQcyXzFJCqsmfl-V1qNhIyn_m41w5Kamp=
rLFvfSFzf_8u-KmHRBqwuERvPqbND1pFuWh2AQ_HiBwp9NXMcsKmrVJrWRHsz3FsKkhHU7cNWPI=
xldURJjKjsTNdIdWU8A2zWgnOzGXB8BliijcPqU-go73kZnIV6sgzBFF8LFjzPB9E0YnQOIifJ4=
AGrrG8Y9k96y3E_Bu5wfSG_bzIhENORTj6Dkk2PF7rTJhRfSOh9kKsfHzia41cfsHxvhWbs1zRp=
1lZ5PBXXggA6A~~ )=0A over 1yr (8mths at =C2=A32.61/mth, then =C2=A36.90/mth=
, plus =C2=A315 Amazon=0Aor shopping voucher), but 1mth rolling contract.=
=0A- 100GB at average '=C2=A37/mth' =0A( https://clicks.moneysavingexpert.c=
om/f/a/xzzCNOuqZgUN7vRlCqX9rw~~/AAAHahA~/lfdLmfEOAKRutZDGqJZxWJchX9S8VpnHP5=
_vxIH7LsAGVdkn6km57NLHkKexfHbh4Hu1W5lX0UjVDf00wxolQR3LpHkmfXh8FIaFXtQ_Id8zg=
pBcjxXrzAsRrxEbhClWKIUh7N-aOmZX1VmwmONgZagkmxct0M8UWvT1rPEWH-A5hBARGzoayG-1=
NKirh3n7oyjduFSsWrgf0ET7WAp1LVnBMLEQxJDn-ss3YUt4cfwoz-Jep_J7OBsQUIGZSAIY-ci=
sOCgt-aN_xJT2JjQUnmbqH3h9H4rGWKLNNrQuBiQXs3t2C2CFJSYRiLFGbVlJ-gd3m6JMcoI2cK=
qk90_b3JErMeba7suXJc0efUEmp8Ta0RlERrK1l4_TAnOI78wveITPKDs5ixpaf_zm1Kd-5yIh0=
u4qIk-dAv8mtnK9rXbwvWHD_ihwCPdq1bFxPnnei9K0zzRfFI5jDrp6C0v0uw~~ )=0A over 1=
yr (9mths at =C2=A36.47/mth, then =C2=A311.90/mth), plus =C2=A310 Amazon=0A=
or shopping voucher), but 1mth rolling contract.=0ACheapest similar deal on=
 the main network: Vodafone, 16GB at=0A'=C2=A36.80/mth.'=0AiD Mobile on Thr=
ee's signal=0A3.2 / 5 ("OK") customer service=0A- 63GB at average '=C2=A33/=
mth' =0A( https://clicks.moneysavingexpert.com/f/a/brxSyA1Nilio4wlIbPW60w~~=
/AAAHahA~/IMpb0odD7tr5G_aTELOu2i3n2l32xKnOmEeDtDKthuUfNGsEw1mbjVKHthsGh1h3C=
zOBFJSZyxmGBwYjUcyveJ5K2pgKcnPb83C3Va9mcr7WK_Ch-x_qj1gX3Zg4aE_kAGdOhKBseLAh=
LMwDff5WsYjMrL-8NmWI9VsVJu587NitwUns9oF_GKtvaZU0tBRlnAgehAkmztVgsdCwYusCn1C=
l1K4EI5G374058lp-zfjVLwCqSFO8O54mWqc8oMJcI14mnh1WfJl19n1kigVteCFsxnktCJmyQp=
fOclybZ0DJpa0q5s53MYWBBMJyZeQbzyJyx4G8b8u7q3ZxN9z4CmgIiUwEANu0NeC4yzzwIxWtP=
OJ-qNN1oKkIuPyMGzVFMn87y1-dAampRJae1YWhKByPQ-D-yQ5IqVHAeJM4mvnUYzpH2eBrzEGH=
_fnw-puFdX84Wwj2JswNp8DVGUw_HQ~~ )=0A over 1yr contract (3mths at =C2=A34.5=
0/mth, then =C2=A39/mth, plus =C2=A358.50=0AAmazon or shopping voucher).=0A=
- 120GB at average '=C2=A34.13/mth' =0A( https://clicks.moneysavingexpert.c=
om/f/a/wGS9XCCgFpDTMMt-rfs-tg~~/AAAHahA~/UjNheko2VG6cPV-7njhQxX-R_DoDMXpAt4=
kRpi5G7JpvkI4T_B3fqJhCKf30dR0-iXWyBepT7H-GBCT5w8Wq_72okXuzAk9Hbr0yC4qh7noCO=
-8e6cVaknmPtTCCNjD7b2gWaQZptybKFFWEjlr45jbrOLrU23uZaRypoNqEzkxcj4KX7ACS7_UP=
wQEb05nZbZXdJTVJQaaNoGkSHlw3hEbRIEqv-F4nPMpr2dE4ZVjZCXDOekEwC0qpcCfHTZcmJkc=
EoRuUvtbN-FgLqXf400aPXFjEUlOqyAu4qckvoIbE5Q8wScoLRPiTIllZqokja-Ylcw6hr5ysV_=
OmWLrv2seRdEQeyWVHX1gXPeHR7sURigStgzq0x3GE5mgYxg0KOcKFxiVXJCnfvSpY9N-3aCNFf=
P2uR8v_U9SzW9s_pcCQhkRWBk2RNXsGHVRQUVnq3Se4h07oQOtCG86hhC2Rcg~~ )=0A over 1=
yr contract (3mths at =C2=A32.50/mth, then =C2=A310/mth, plus =C2=A348=0AAm=
azon or shopping voucher).=0ACheapest similar deal on the main network: Thr=
ee, 60GB at=0A'=C2=A38.80/mth.'=0ASpusu on EE's signal=0A4.4/ 5 ("good") cu=
stomer service=0A=0A- 5GB at a straight =C2=A34.50/mth =0A( https://clicks.=
moneysavingexpert.com/f/a/XT6M9IWr15xdsf12Ir-ynw~~/AAAHahA~/ZovW5PaAajbNTWN=
KJUuDU-fAqzNQVOk9CogLFxaRqEosz_E8IQB9c6-6eIeKicTbKPlb9hphOIJyMrHTEXZbGsbJRB=
AhkVip5FyiF520_BAUbgrUK1KHXv4OgvpYg9TRDa7QSeemqCyqzzaiMHCtAuxDxJYE6C35x0qMj=
ho7d653_irjc9cNEipdRB9R9xmdXnPoP8eMmncDuOUPwd68Eu0S0sxfU88qZoOPzkFOw-xCtIai=
mJtF_xPhq1_85zHzK4jZmA8XHiU_D0LHjD36ZvV_rxKo0KbpXRxVManMkQRnN3kxOygQwr9M8eG=
QgF0q8t1-tkwvizfdkROTYd-ZrATBYcYtyqF43Lfu1UJs4IW95WSOE1WCTCOr8QeGmXsLpTO5eA=
u7kBMbgRAHm4aKl-RTCgA7cguD2rhpxMD998ZwK1zdVQ3pvdr4nDYtf_01ae1zesogYUmKul5j8=
kkQ8w~~ )=0A: 1mth rolling contract.=0ACheapest similar deal on the main ne=
twork: EE, 3GB at =C2=A312/mth.=0AStep 3: To keep your number when switchin=
g, text 'PAC' for free=0Ato 65075. You'll then get a code to give your new =
provider, which=0Awill transfer your number - usually within one working da=
y. (Do=0Anote: some providers will ask for your date of birth to confirm=0A=
your identity, and this won't work if you're on a contract with=0Amore than=
 one phone.)=0A=0AIn fact, sometimes when you do this, they fight to try to=
 keep=0Ayou by offering a much better deal. You could shortcut the=0Aproces=
s and try this first to see if they do (if you'd really=0Arather stick with=
 your current provider). For more help, see our=0AMobile phone haggling =0A=
( https://clicks.moneysavingexpert.com/f/a/LGq2GbFSLK-jJ6Pbo4dHhw~~/AAAHahA=
~/-XD8NrvIR0raQHHeYG0BK5yvXLiDPU1VX0vuGUQKYvxAjozALSn_KKVfF_EjeU1kPeFiCjB7g=
kaJvKzMuxEpYycXUfYnYXfz8jYNRKrpe8y-rzUn0aSLkoY_nyRRnwImX6rt39wGpGJbpd_nzjJd=
YO-vPY30-ikYnOUVL6gfnX4W7YxWozno3NvH9QThyTi1IAWFWW0VqWJSZ739rMxRgQMyASM0b7Y=
yVSFKLiDswGhLppl65FuyFwuPvv4vSfeT8Cl5EpSXcfP33uS4SnoH-eo7Y4Wx1RST2FVoMneGM9=
YqflKqxt9sNMGuZ5cirMmBtRbsD89YugYbr00K6CvFmllp5McE6Hd_kxTfVr2WeAnoSJ8p1crlv=
U2TE7bsGiZsElvO05696Zz0C5yVR5TD6H_8rD4dKanfzkFinZdOp3J5APzVhKpl40t05I_VyqQz=
 )=0A guide.=0A=0A5% off a tank of petrol or diesel when you spend at=0ATes=
co. =0A( https://clicks.moneysavingexpert.com/f/a/65RNeRR2COxkcTnRQ0semA~~/=
AAAHahA~/-JJWFMQRIs3zXUVMAkNYEWiaFDe4_e3uH4PgmULtp0qbgmTU95CN4gcy_80s-DX27X=
mbzrn-Q1t31CoSgb3IJyRTlr40zb2twidpQ-hOiE8x_zHyQgHove2OqZma7Q_BtmUsTcgId62Kw=
pmbRi1HRZdLf8Ynh6ubiH9Y3AUPoovkkq2LcqU1ZAHKhAn2SlgD7QEeR9BZJoif71b-Dteh-0xi=
_uWBR4LJhDAe8wqDQZ1Hz7Jnmo8iEegjAbmmISty86wJ32J80o_1i3v2Yku7wekS2-XPj0ti1O3=
BoIulCjOWr0zS2AAf1qZ_ltRrpYCNo5s2p4PmVxnhtbyj6SazoSjl10oD9N_g4TPjku5oMqyoDc=
uCo8d3gmHjCdWnSdDlCafGmpflHAoeVWrCSOD6z20wtDpGbud431nkqvobEtG_bCYbkJIWgp0_7=
2_Blv8Lk1tS6rH_tgi7adCJgS4s4w~~ )=0A See Tesco 5% off fuel =0A( https://cli=
cks.moneysavingexpert.com/f/a/lXMf4oT_UsZnSu1dzlH8SA~~/AAAHahA~/-JJWFMQRIs3=
zXUVMAkNYEWiaFDe4_e3uH4PgmULtp0qbgmTU95CN4gcy_80s-DX2yU60jm0aHbxEEKl8PejxHm=
EeaGtfCmNRjlVfV32BVsub_qhWOzjdE-dj9xSi00d4zOi-bYdp9RpqKAgkCbYJeymEodSg3LUK6=
jJnm3-FaZIfDkZBqSwOluVuCwy5YroeTWKAsi2Yis5H89wg71eIQCTeNmvuZhNSm5f_32jekQqk=
YTWAO5u1Pi43SQw7k7viUb9qbKEOuXDS2F9NQXXFpu2ojmdknIzytybDkVUnBf0zihJqvdL1NJR=
nH5jPzqQ86p5jclaSD-kiq0L7B5pEi2m1nBi8Kp8_5opQPqhkwn_OQj0Zjz9MfNBX6kXqMrBj3F=
DDNCb9SniV_LfLVMd_iAZRKPPL2xEdd7333-tP4dt2lvNsheeCi32BMyCr_WaQt3qHBzIfs25gG=
evtN374tw~~ )=0A=0A=0ANew MSE rolling news - get 'The Latest' in app. =0A( =
https://clicks.moneysavingexpert.com/f/a/7RLwU2Ey6m47ryws3X5Nig~~/AAAHahA~/=
h3Njwl0liTePTfWg7ZPTQ5ZntalDm6p1189ADY3OwP38FCQvce9ujwNq9CvQKTB1opIHZxxxyII=
AE5AFiKQ2Cv6SQAACMuEQUTx9r8LNVma4ia-j-4JdlcdrdF31MubzbNPLRXPmppYLvs1G_vwHd8=
NK9AQSTfWU_T5f6QtDKdybTny-vEMk6xYKzDFfRbZetshdPL5zCBRcO7Me7fZlEq1PFOoRqj0_u=
FOmNGKtz7R_gkRzC_7ixbamIBbtOXbPDtBNQNkLwlGtuhuS4yBFDGfCNsL0qkr51mZWCjBlVdMz=
my23nnmFQoBhF3a8Vlxq7FnJ7KCXrItAiAi214MBItjxqoStEBbgkffj_ex82dOdyxavYJHfc59=
_wol7qhLe9IDc413BtQZGkEZCu77O5KzrZNdXoyTs0hzFRgno5CZ_ZHMQ4s3P01W6s3KkR5mJ )=
=0A We've added a continually-refreshed stream of the latest=0AMoneySaving =
news and site updates. Download the MSE app for free=0A(obvs) via Apple =0A=
( https://clicks.moneysavingexpert.com/f/a/9sKcgNXqe9OJNUznTMRSKg~~/AAAHahA=
~/4db6rJ25xTANWCQFYLI-hDy3pF5vptBlmLzkWW8CVxJ0TaX2a1Z2HaCXXaxqqz9UKgIze2WKa=
dE1WVn_SUpBIDh60jZQbgpihPuNR9mxzVz2OAcyFA07o7QAxO1H-k-IxBK7hN3dh_H-smgg6m7F=
1wgqyfkxyjZB_XYciyLMKYgQ6pe73MC7qFv2nM-dx9Sq )=0A | Google Play =0A( https:=
//clicks.moneysavingexpert.com/f/a/c2kLQ2s0eVcfmg7n-M8mkA~~/AAAHahA~/4db6rJ=
25xTANWCQFYLI-hPi1_gGhm8Tw4m8Mhjons7XG6JwByPMn9zbmgJYJuXGMG4SS0pXdijDGpzDUW=
MxCIn2KogAkb7MsuQbAcThOiGQtlTe_-Ng-sdVJhhnnpWSNF_3YL8mkthYUSiIXRy1AHb7PU6D8=
vj60srggV3YgiMK2DCyyvQh_X78XZgnXFeb4 )=0A.=0A=0AM&S 'up to 50% off' sale. =
=0A( https://clicks.moneysavingexpert.com/f/a/e7dhL6TXzXvV_mjCrBS0wg~~/AAAH=
ahA~/QhE3zSg_DBv54lNRje6205v_tbgLFWpcJxTZ-ulzlmApZP_bSQkm0ZeG8jACIG2ZykkJD3=
7xiEs8vWxp641CMIsK5qfDWmZFTz8z1rLBfRRgMt3kEDxlXREU3Gcap8yAs5MvhHDd0IgAcaEJp=
nrbrDhVBwokceXNNnJNXPIhLOvcgwL9_2mnAfBuwO33zvXcdMdLUdLnrcx7VM24d5R8tzK-5WAi=
8-3YV1cCPUOQcFOuHo9diEi57exdw_3c84XdmNuFi7Rao79mz57GOpI_jDpfWLZ_TlP_BBguPMg=
is19wmlozGCE4k7TbAM9CnWz45QGt-AYmRUEedTP3Ss2zT6MLeo1HjlSeUwJrk6Dqr63mhyvuBZ=
fzRj1Y8JhpJphs5AI2zvh0NWVavqTJUz8FSc0WnMFfgEmQhAMN24WTQKODgZ5kGqYzrIFUMPIAC=
sP1Mc1-HMIo2mRDAHVkfiKgrA~~ )=0A Includes Monsoon, White Stuff & more, plus=
 own-brand items. See=0Aour M&S sale analysis =0A( https://clicks.moneysavi=
ngexpert.com/f/a/BjGUMFKP-i8y8qO09u9CCQ~~/AAAHahA~/QhE3zSg_DBv54lNRje6205v_=
tbgLFWpcJxTZ-ulzlmApZP_bSQkm0ZeG8jACIG2ZmGdtoeq07Ra2qj98FVf8bieEp6u02590R76=
iGP__L_tOcnbZ8jH43Ot2lmkxVxq8bTWN1slM4zE3ti9yXsZbeODX7hzmCusL9riOYCZPvY3HpT=
-lxwnKe2ZQolfXqS-6i7NciF_NGydPVSSkco0-0Qq_Au4YOZLLqkhx-C1ouD8br639LUsceMS1V=
ot6TkBLmmpctu9WbcAwYuYdziDcNbWaJOOb1pcFg0qCWaEE412T-IJ7xKk1YDMvCrl6kOqC094g=
Eb3n-YmPVvMY78IvhhKK3qUAHAZI2kzvLBUec26RaSLXQKF5VrpHUe_LgHorha6DrgV8y0F_75-=
NINKjLTvHuRDu3s-bpEnJoc6vVaLNPj7IUO7l9Pd6-3RIBzV3WG-KtwZ9M6xARldbUQuKcw~~ )=
=0A.=0A=0A=C2=A3150 cashback on 4.7% 2yr savings fix (if saving =C2=A315k+)=
. =0A( https://clicks.moneysavingexpert.com/f/a/Ym8L6SznJroNmKOfiTi0aQ~~/A=
AAHahA~/ZovW5PaAajbNTWNKJUuDU-fAqzNQVOk9CogLFxaRqErzZC5obDUR0PSHpjtivjYY6_l=
zLxzIp8bvFppC0ahmcSh1nHf6I94wGDOm411lnvhULDPXbjPUQCNCLmpAi45-3XkxMMBJDHrtnl=
135ZerAvuHddleJteNboFKrWGR43czIINQFyhms6AWGkXIhTtXxjPGyAtQnZFxdGVvw3IPm_70p=
ZUbYjqFEb15Pq4Pi6OqSb8oBfzO_-g3cnEc1c93HpVto0OX7YYy2I3jRk4ku1GpW2Kev_ssk0op=
s6j5NM4B1Y2wIzh855cv8z6UD6K4ZCfCJcPR-VHsLynfM4poolPgnVbAy1YYvVGYGwPrsxdh9Fu=
38QitUBlgm2Tf2YwHL5_KIUJX_TFoTe0vwsVImPN41DYIVW6Zz2GRMk4c6qs-w7vily4n52uf7M=
eQyHtU0C2ueA81R31Fo2m1fXiU-A~~ )=0A Online savings platforms let you move m=
oney easily between=0Adifferent banks after filling in one form. Newbies to=
 one of=0Athem, Raisin, can use code SUMMER150 to get =C2=A3150 cashback if=
=0Asaving =C2=A315,000+ in a fix lasting 2yrs+ with any bank on its=0Aplatf=
orm. Rates change regularly, but its current top 2yr fix is=0A4.7%* =0A( ht=
tps://clicks.moneysavingexpert.com/f/a/AGgDIfqGAfIibprwxNme8w~~/AAAHahA~/LO=
x3RbrKFxXxGqyQ1Lz697qb8YklnHCKXyLvR-OI5HyScilg-9Vr7LenJkn5hMjswWBQxXcmrPxhn=
z2NRqCpLFAvUfdVoe_2yJhXtcUgna1tq--_g4USvdlzRtaqdOLa7PUNDRLTjEaiTp4gvqvMJG6y=
JahhqtQymRj24qQyieRiL7BcQICYjqH8JeclKPg9jFQbQGIMgPx65LTHQc78b6OQmw5NanCaBul=
u3_3sYUdfkKJdhg2r6mVDUee1gVihBQ6FUzG8MfoS8M304nH2IiaaFu69YaCDslpxs2Z9GRqSEy=
mpi4bv4xK-1uptj6deFnCtti41ILuKtQOyu-Cct2wR8zIqw9ML8FinuZT7uLxGVOXI0JEbTdI7A=
CTX2gOco8385ynYvRhhM05TrQ9pAwEHL3QBVlonvz6LtDvOgrI~ )=0A. That's beatable w=
ith normal savings, but if you factor in the=0Acashback, on =C2=A315,000 ov=
er two years, it adds the equivalent of=0Aalmost 0.5 percentage points. Ful=
l info in Online savings=0Aplatforms =0A( https://clicks.moneysavingexpert.=
com/f/a/5p24mdUzbCPVcHDyxb89GQ~~/AAAHahA~/ZovW5PaAajbNTWNKJUuDU-fAqzNQVOk9C=
ogLFxaRqErzZC5obDUR0PSHpjtivjYY6_lzLxzIp8bvFppC0ahmcSh1nHf6I94wGDOm411lnvhG=
t1siWqmjB4hNNoWw3jycS-vqeHOVfQYYD-bk62qDWBw41H269hci5M_7ObvZun3GA9GnP2V0hWI=
IvEL3uf3zth85c2EoNnC2brm-zf8dSSV395AhyScw1M0EiF4rh7RYS-6y9xRIyr9HTzalBFrB4f=
XpRVzl_WR-kw4aikYLE0vZHQWz2OTZibb_EtxxYMDB4ToZhql3iBH1uoNdp5m8wHDFxhNomCrHa=
gb_n5tdzMEQ66nn-hl66_BnxPVG-mwcMAP4jkeCnniX4cMYvuooI4o649ftWR1bLt3jxt3ThBys=
giedCE3gQOsv_-01ZAeWb20NVpFaGMGy8iUyHX-1lGekUcHWB6BE5tCVOygRyA~~ )=0A. Savi=
ng less than =C2=A315k=3F See Top savings =0A( https://clicks.moneysavingex=
pert.com/f/a/Ia5BmUnoOAYJLxpuuDgBTw~~/AAAHahA~/VOE7H-YRby2Wx-jR6jEVTQZO_lvL=
dUPSKnecy4g-1o-G-WLn6XcF91NPIMC4qEB89wWyvfFq8bBx6qBjuKEJmNa0Ipi6kDOUWy-WLur=
S78G1LkrYoka2MyGn-MM22eaK2p_wromL7Km_yy_d7_-MDRmwlX0e9vO-R8M7WDUPFPxPYftyhg=
eKgAt51-sZELWwCiN59g2vLajKKE6gWT0eTrxJJ65CgSPbyspqoWh-PXpiLx3W2BAMKfMvFkyUB=
IOVnQTHQocc2zHJeF_-10azVgGPmfDepOJ8HyJEYS3R9t2hJceaJ3lZKqprDIi4SCLTHcbR4Gga=
ycM_MVaupguo-Th9ulbpSpMA7Fkbn_O6mVUBwGNkMSS_z2dcrW17ZEr2TVxm_02AOTiMbOFDzjg=
MFLnO9QooZ-PUm60oCLQMd4iXludlsFnt_sToasCjssdmaJJupw4ktf15BJNNpoT1cw~~ )=0A.=
=0A=0ACase of six wines & six craft beers =C2=A345 delivered (normally=0A=
=C2=A398). =0A( https://clicks.moneysavingexpert.com/f/a/GfMqLL37CE4L7HQ9e8=
1rJg~~/AAAHahA~/s-EJlEG3tHom05WRaL9gPHhYc4uthnPsVd-VP5SkB09F1brRaBCpKG6ofdV=
gM2pD2BdvdjCigs50O3I9LJzPt9aCpoNKzQ_eEbCn8jWin9Zq0ARpET24wXx6I3gumsuNV1jFvB=
8yMPpGNSONjxtQKmk8hWCdxzqY3i85-5vw9YslMoqls2k7KSF55blJ3Xe-jcrlL-7u3J1CoAHM8=
Ct1IuFa_98__vdfIRlx55BfT0HZLqNeJDa1ZHZYiulfTtPKA_xeM5hKI_wxtnNSgsjnNfHPP-G8=
c59e_84C4XZLAgub08yb7z4yRPuoJkHyFqKQqyAdftj48HXua9r8s3x_bv6l2POx4a_HD4r-mjf=
Ee2gfJl7qsT5XGekP7viDKZnGe7227lpQwKoc_kwP5TQWzr3JkouSon_J1yWulP6afamCyDiWAi=
DS9ThliAmCTg_AuhlIJLLYXTGa10xEldoNwA~~ )=0A MSE Blagged. Includes three bot=
tles of red and three bottles of=0Awhite. 3,000 sets available. One-off box=
, no sign-ups or=0Asubscriptions. Via Wine52. =0A( https://clicks.moneysavi=
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c4uthnPsVd-VP5SkB09F1brRaBCpKG6ofdVgM2pD8MbzVhCHPNxTJaCP7DC_8d3BhZGBFKEvUWo=
5iuJtoDRaAfOfTrfaYwh_G9qkSF2SEqdvuhehOiQe7k8o8ohNcoFlMmoyiVuaNbpdcCPX-rsbaC=
v-ZrUO6Wx6jIsJc39xISEAigJI8JcXfNV9iTSf6_f9ciY7x-IUJzogEHlYUwO0q_hE7NHRbXacK=
PA_vMJCUJpxx18TwrXeTrThhJsGpCpk8WfbPZyn23Nu2EkDFdk7UOWq8P9gJCnnXRenOPt0voA3=
5KWTi3S4QNQjfW9LeiQ-0jQ3Yn2BiEzPnPB8OH4qpVu4Gie-KuThsZtFH4DRn3CmpkFc6lNalRs=
hOGjTDafGH-OsgWIqSEJqObVN9Fq2dtLDgQsK1Rvem_8uolaq30ESFowFwFeXQF7GP-rW8w~~ )=
=0A Pls be Drinkaware =0A( https://clicks.moneysavingexpert.com/f/a/Scwh44j=
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V5k4h7dPqa0BwrYou0Xkp65_56Fj2dCuAoVmoa7NRINmEv6rns_fHPjULqKcfEFHwui0MN0eKTq=
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75kyQhmHi605FPnbMhrYplhisn0Dp5UBa9wMQ14Tks6sglZmYbVV_hlMrcHOfsOTKfe0vYGGBhY=
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NdlJKZp8t2pRvym8UBdpGEFr0HFCd-F6HTQmWiDkZ9WMl6zEXNxRpeSWVYG1jxQ1g4n2MSydnuF=
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SQkm0ZeG8jACIG2Z_wx80X49k65nVJv2OIxVC5ZMbDUSozrPcBsnA7GBwrMS1YdglW-Cjx5-vBw=
LS_w8uQZ_cyzgmVczFHGuOp0GJAq0vfoVxrmlgrtdW0EQdbdQ7VYTg4cLRRBFdbeWG1MoD0vZKG=
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MsAAKbFbwF6pLTOXJgdvrhnvgNQ5JvAVgE_OgJKfNMnpzfMFosHqFcqFIrLduV4cDgQ1sRDZOwE=
fjIkNzND6twJg6tT-tOCBJJkK3o70J5mUd8tADyb5Xgh_EFtc3xamIH_4ElZlF2rXO8ypB3m3WA=
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ly newbies & those who cancelled over six=0Amonths ago - ideal for summer t=
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Qkm0ZeG8jACIG2ZHFYAyJYdwTPCLhR8zrDNxNdXTC6QNkefluT6wNa60sxu7kV5z5Lpon5InFLA=
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LUNtggTsnJT8x68-s6rZ-ZQm-335k0r5dH1n4-m7HWc5t03C0v-a_GjNqa7TSdkIPi514Vm86kt=
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s about us=0A--------------------------=0A=0AThey can get this email free e=
very week=0A=0AFORWARD (=0A=3Fsubject=3DMoneySavingExpert%20weekly%20email&=
body=3Dhttps://clicks.moneysavingexpert.com/f/a/atwCULPy3iMqCiZeUc-diQ~~/AA=
AHahA~/yV6tvLrgSS_qcdJfSZtnvyxvgWjr_fZ9Gy5l7wmMmad-B2GTP1pXMca3oRYQA_aCKkf7=
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E3U26pA~~=0A) SHARE =0A( https://clicks.moneysavingexpert.com/f/a/g5kyfGnZJ=
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Ri4YOc_DW28krm2sD31uLn2sIcV3q1dOPkm6sstvbR5NQhX7saogdckOXAjdBo0kRe8c80vD_X8=
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=A37,499: M&S Bank (check eligibility =0A( https://clicks.moneysavingexpert=
.com/f/a/Vvvf2mgq5sM57qXNkUapFQ~~/AAAHahA~/rzjxl6AR9SLAzYVaiGKOx16tizJ6t-v=
HSCQsXUNZMvKE1FumpPTqsIZSWJe3bPlHzxKwvy0OSDgN_daKvWdhhdBxfYamhvnzAvD2e8TXU8=
MDLNABAVKPC23efWf4-BMN2R9wfmoHN8eMDOEgjwr0V4CQmcz-7eQV9AmOfnyCtsnqU3tvL9eYm=
wHqDxKP9lV1jkkP4lp6nIE-EvynC6c0-RIF7nrxI54gqNkDop17QNB8v5is-cHq7WL45UVM95SM=
FBlR1pdyZhG17nVLr66YNhEj4_7DcTu6vIyZTwrOC9Z_xU6un7mxtYwYzVtWV1JsPsVnw1M6bYx=
-rnRcoZNNeiecV-p9GStMvb7tu-d3u8v_9IxnTOn3UqXkz_JjgMX4teLBBXQrD7jxBkLT8utoiX=
_jDwK1aJB1qBwjGOzwH__jDaxEqCtowtJDdp_qJFwf )=0A), 6.9% rep APR=C2=A37,500 t=
o =C2=A315,000: M&S Bank (check eligibility =0A( https://clicks.moneysaving=
expert.com/f/a/5zyZK7h5OKrTq8yBDlP6fw~~/AAAHahA~/zSFFWTo0Cu4BFBmjE6H5hgf4wR=
oI3RbyJBuU1cprapEICzss4SMnY6JrV9tEgBJRLc5yR0LRvRJdIkLIo9oNT6DRJQMmUOgx1jHtj=
fzKitUeLa_odciZgTN505XT9Vrosswgv2EMhzezbUqzxmZ8K5KEhKXPerCvSMKbcuVnkMDKRawt=
9Gr4S27M_KFUphT2zVNjMNIIbPUZf7HYKgaiwXOGjpECdELgyGND6ZvaXLZkMiafzXELSiiJ5Mf=
vN9SRL3CX3TdQgunhT_AnusUU3cwiigts8R8VUlq4ALwm_y0hvFoG-W_YXEuiXHAr-w1ocdC231=
8UCMYA6su_GDr2loKR50sc1xSp9eDb_xHF1X013SV6xyur26Vw8MPIQR5nkQR24TaMGEgAq2mfb=
XcceYl22ZYygUfT40qwQuiB5Rm7qnLOukoAKDUsmIfmtcxmBqMoGZ4bNEnbu2fZZvBoUyL7wfjR=
AUfpbB6yPGsSOHWcCherJOMj-i5Aqnx0Pa0Lk3ra6e5bLYtDsJtPYVkHGQ~~ )=0A), 5.9% re=
p APR=0A=0ATop savings accounts =0A( https://clicks.moneysavingexpert.com/f=
/a/9nSZhZkpu47KhcEVh3afjw~~/AAAHahA~/IMpb0odD7tr5G_aTELOu2i3n2l32xKnOmEeDtD=
KthuURzWBcG55VvPhULvnR0e2j6dBGcyu_z-y7CrsgVixj9xss7I-Iu5p4cX_S246_R8gdgxBJm=
Ugsv41YcYH4h5NyWl-3F9HgX8Epyg1I8TLGF12tSlyL2Y0OJbNBDlDWSp0gNO26XouO6myKcSPM=
2f8LVx_aRb_QH6cqiOWdPaczu1eU3WBVNHeYyy4rZJUDWria8FfZQukwUuB7d0hH6Nwq0S9W1Yo=
o8iRLPHgSvZbqnXxR7QieiM_u07lC3o7GaApZLT6Pj1d_G8aOq6EYNsH7ND4jCLazCpCQDnxZK_=
38IsjxyRu082bbgLT4HVhnm9NnI-8drTmy9u8SO1XdlJgbz2SeScBjlfwQcCFRddmWNUCnECBwy=
5fMhCaf0edpD0WwnHEFuHdSUUjZJH1SluzZJc6i0-Muqqrb6iFfmGp7bA~~ )=0A Top easy-a=
ccess savings: Cahoot 5% up to =C2=A33k, min =C2=A31 =0A( https://clicks.mo=
neysavingexpert.com/f/a/017daqrazQqd40ow3xdCOA~~/AAAHahA~/5QGrsAKqW-SRAcnFN=
d8LKN6cJDrFp9RWZWgScRspxuY3s-dbsRLbNQfWQxthjYw9q7VvnGclM5w4nRZ-I4dkHRTkjE_X=
Iyzfz8mmqtEhSgiU_wXNFBe898cGl9cLQGpwOxeEAajXmp1SBF48Dyl74vzqqba7lVsvySu3l3g=
rXz0K4u34Qf6WqqUlyU5s9xmN2nI9Acu__iS2WJMJ4CChjr_-maQUYdVumdbjqlEV41FE5-F1lR=
5Z-S4bx6uGIEgHsLbCQo0t95d-SPLVC8ouG-KyX96dmvPLdIfwHo2nuNb06dzBtA-FWCrSwON-w=
5-cvpJ0dwJYpqOV_t2ikgr9T9Y66HoPe1qJGEzv4ApyOU1OXKMjtPVNvx2PIUnUUv0LBUValNqI=
M4FNg6Lwu19mMKUgb6uuYEo2YSIqzr81lleQwUWpFINvrnSkBWkTlEyU5YhMff_a3wWyxPMZI_v=
D4DTRpJmM_oj0OUFhN9YhXNw~ )=0A=0ATop easy-access ISA: Trading 212 4.51%, mi=
n =C2=A31 =0A( https://clicks.moneysavingexpert.com/f/a/H9uK_stG7AC8e2Wl-lN=
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VVDuxrDXSjIyu73YZ7PIndESUDkxbdPtDvh1ZT7CeEmZMeNRw_RYlBjPhJJ6D8MU3RBsLuRhHpA=
QcUJIMDk9U-jWfvpdHUbXiz4mzrF5zgjwnanhBSZKyzXla9Xreug0cirpgylyp_5QpuoJysyMYf=
dKGo4ztkfZePms4sS5VNAJ2fvaAsz7Sg4lCXEyvcNNlZml_9QUPy1FMJjGNDLcGaNXIwdJZ03l7=
hxcA_Fkj1DtpZhZ1wCrKTONnmF0xynjO9RYkXwsfBM2FNF_xxFbziRI2zlX-KCgO6tq8UwBoldz=
T5juvHnD-sd8i6YwOgoeIK77kCcT7ODJZYDGK0Aw6f1h42ZoFf7oFAK9qwI5IkykFPMh4JiNJZa=
u7nySrt3aOq-o8ueKN4VsyZvmQC4wSOVq7A~~ )=0A=0ATop one-year fix: Habib Bank Z=
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mtIn6rzl4hchE7MNA4XsOy9y23y9npjdeLox23g0nISqYypAtRVBHUcpqq4NUmeF5zMkim5y1_b=
sXxKoeRhgm7W5ACdysmDyTbTA-Chdu6ksuHxfF8wiL9NfCMAqL-i42jFgLLIS5odI-BqExuWDPl=
brMtP4vmaqqHkPNIPyGSidGzyoOqOdBmETOl0V2TkEqbdwfUVz0m_KT7JkKiV_G8sdCBUEE1mn9=
N3d9s4BpYQR77I7wWxAbQ8eUUkXTMNpjKfdMYhYIxu_vRDI_dPqLhD5WFUGU-KLHKyTv60fRcMF=
nmE4qOQ9cTSb7KvUoxwSOgpP9tpL1eRonFF-1ZFo7kQo7MxCw3aiczo1AH0ehJerTvOflLv59Jv=
pfp1l4HIXrnXxmUgRPnGGA5trFbKgMnVHr_0k-UEfag_KEIB_2Tf8YoJLWyEwJAPFF6OzBKs~ )=
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iu-BuEmDv0wb2_E0qbA~~/AAAHahA~/Wgy1iNBStJJpJQZ5On20-pCkqjr9v5Fh1I9hNVa0z_XJ=
AtarTzfKcTU674Yz7MT_LEzdxiRRWToEKE56SPzXnTwAWN9ZSNRitaZUk8UKBOjsKvbTRWfkSge=
uilCmQcAlUFO9c7whfrr9jbFuzkQvyBPZ0XUcrIA3hShHrDDcHQr_Ic-gL6xwSeaixALrdKO_XM=
dy_0PcmQmmIKI3MkjTTJ7hUMlm9x6uje6k5yyEe6AbhZQepK27sVImrXFZf-Lhz31SKY8c8Mbn1=
0pSz9BXIKYzYr7Opog_4MDZ7ZfbiETJt4IW2lVUfgXbkcydNAsiiyAAW1--7qkFDJhM-pBXwAyG=
0fqDBrrpM4nRUgzR4VnOBKz8DjnFUbGmHRJp8_R_ZLvSGOu8xZGqE0DllqTmSHfT4E70A-L3QMD=
Z9d8d5bJgkg6qAaRvUIm923PaBYDJ )=0A Use our whole-of-market Cheap Energy Clu=
b =0A( https://clicks.moneysavingexpert.com/f/a/MhMLO_JMp4h6GE_D9x5ASw~~/AA=
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qmEWTSkvSQvwQNp1L4UN1X15CSP6RVcUqCCOwL-cNX9A_NZKLZ0pWcDbbQQ3k_2CteB0M0Nz-hP=
MSPZnyiKWYQR0SQ8Ho_QA7o8SQbspFQ_zZ2qkn7PRfGA0-I350KqqCaXRIlQiv_jqvszKSfIs6v=
XBw-mtcdT1S191kE-dTUf66QeSl6JyQ0wCLjqO8P2nxRwTgH7j6MZPeGur9VPcrmJ82x9Zn-4KF=
kaeq5VN_DMEDzUdfnqNEp_V1i62Q_8uKsCUnC3qMtS-h-xgucbzMyUEMPZ8HbZD2ur9OhLXNWs6=
RG7ZH3RzdUlsBSJuUa9BhrlcrngsnU5FALxzceW229ivwWwqj92gpGfARh1gqiBT71yri3Rulus=
7xnWh )=0A=0A=0ACheap Sims =0A( https://clicks.moneysavingexpert.com/f/a/4U=
FBoIxz1SmW3cXZXpSYgw~~/AAAHahA~/YxF9_Y77y0EcrentLdPu2RmYl4Q88AuEX47LX9sUnQP=
e0VSCjVPiimPLUY2Se-VrEVlxj4LEHfmN82ZDz4fdzNsNpjM9DP5T_tYXeX8Feewi3SVNzgfmkh=
2QPgUDa1or53pfQP85G3c83wJGUfDl7dtF5hGeH_MNNXbCxhVctSP9b8Xo5DUlEmwB1hUvWyfol=
Zhr83iLhj6WaZAlI7ADo5QMEZdILTdTp0juuh4Kod1jnKBdpuT4xhmmf9pt7e5CZ3wGpGROYq_f=
Fqzz2Ee-x-jB41EJYjhrXTMhCh1lqRlXu_5MyboZJ0Ykb6OeFCI9LEYamMlpg1UMleRteSYWHDS=
lSunEGMINhwfQkbOjz82bFmO8x3MqQ7c41yVsNlvi5wc_mdxLYnrD3oqxIKSTJrQje6efPLIbfa=
ZeV_rDr2WdQ2coztvfHzAz-hhnOP8dhcxIbpOXG__R4Fxuf6XN3g~~ )=0A Up to 3GB data:=
 Sky, '59p/mth' for 1GB =0A( https://clicks.moneysavingexpert.com/f/a/H5HRv=
x7RIjU-vN26pgcDCg~~/AAAHahA~/IMpb0odD7tr5G_aTELOu2i3n2l32xKnOmEeDtDKthuUfNG=
sEw1mbjVKHthsGh1h3CzOBFJSZyxmGBwYjUcyveDA6fUbGgkUyUF6mo4n8N50lPxqHunNaLEuoW=
uMgJCq16_dHUHYxzx2s-uy3cgF-FrNdf4O-DHB1SfjXg0hxv4H2RApyc3e5Ij8rbLQBWF4G3Vcg=
TehFDZQ6_7IMgYbQXocNCT_Ji1dr7DXN45rDRJQd13jYaS9KxmmDdXxpabwjLxay_uny4iaZSGz=
GS4Cd0m071kj9Z5FvmgRScCmwS9a6nY577ylGOI8DqoKrB0LObTwwXVo0moXgqbIVHa7M4oFVbQ=
-1RL4ZcQX9RfJtLlCoSCp2C1acueW6Typwrz-MGAUDuGciWSkee30Cu5uTHKBZfxGDZNAOa2Z2J=
22gb_zo9hpI8h3cYGqk4LDSu7_Ypj27PTxu3LJiGxjrTNbQqA~~ )=0A=0A4GB to 9GB data:=
 Lebara, '=C2=A32.37/mth' for 5GB =0A( https://clicks.moneysavingexpert.com=
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tDKthuUfNGsEw1mbjVKHthsGh1h3CzOBFJSZyxmGBwYjUcyveDSc9rLu9mH6JyPkddR7ZC5TfMf=
ZJ5YvQuX0m7LGq0qRgHGoiQrfn0mLKLTW2HVnQaxjsKjtfFzWrOqO5n45UGnJHemjCl8g9TVDKL=
0PcVOGNQeVUeoXWPWnynEfIAmDHZUkAplQKBzBbI93gffz0_4vTvTtuRaQQUDyv9VGDQIDSmNtM=
1OGMpYZdok1ImG6wI5Hf9DkxtQZFgvZ3tGMUavBMaHuCV5vVj_WlKUlI7waNUCt2metn6j_7y-x=
_fPSxwZKIBMOTPxl3bSLQQGRTu2nDNM2zUOr28OMICdOHzxDvTkWtISA8njtfWgBemqhKytGeON=
4mf22WdsdwZbF5tVnEvVAQYoaomrOECYCng4x_WAZ8vpkYBhWU8wDNIMRzw~~ )=0A=0A10GB t=
o 30GB data: Lebara, '=C2=A32.41/mth' for 10GB =0A( https://clicks.moneysav=
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n2l32xKnOmEeDtDKthuUfNGsEw1mbjVKHthsGh1h3CzOBFJSZyxmGBwYjUcyveD4eCwzHkSuq-j=
JX_QHpCiqJhkhOgDEvC49yTk2SFVcjf0O5hNyI-YtikkUk3ryQGaOCDgqgUYG1TGye7OlIMlVFY=
5AWE4ucsfXJoY-gecI0yDNz6aEo-6IJ5jQMoL5q3gW7yzb16QK1ghh5hvvx0QQ_w_OGtMM34zVz=
z2GhAUTR7URkknu5c1lOlfnuSMVKshFF4PJDcbTVBALpQiCLMyxSXVydGi2Vi-_jQVqVvrCgzW0=
S3dOOZgiF-AyhvT-dU-f3IQNIr1TU5SJQFqLUSVUw7bAxWgvxRB04SDEGA3C3zY6oBUvT0bxLb9=
R1W-mP-oK-xqvlK4XGbCJz38NmRDNE2jdCyNtS0JJ4NISyekRSPXLReGAe1S2i6fJ64r4Jvw~~ =
)=0A=0A31GB+ data: iD Mobile, '=C2=A32.75/mth' for 36GB =0A( https://clicks=
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UAYLBYednCivc_odSv6tydovNA8ShfqrLGVOjxdI_ZqGmfeO__PjL5_6MebyN6bUWASagOzOG3m=
kzhqpFuUaVlwhJ0R5s0OP5nrxOa-x-SIe50lVg5XtWuFraljZX6AvsrgMf7-W0aq-dtjnrjP-KM=
evIdoEpQwVXh7QDaiGm2uRQx8yg63Cede9I5zMjwz8eUW7yWAGOm95jkpFAP5rXPOlumN5-38Lu=
B_4tPh6DF1U581LtDyw3utFNwDcwT-91KitXlcPdtt8ahpXlxb7MhzMhTxq5D9mIW0fAQMdKgk9=
F1wWAdGyZqDya3EcunDbepB_VI6x-VGVVXHqEO3IoeREAuPrWjm0Pxc7P3hW1y1v7r6OsXSrbWd=
VB2Y_Gg~~ )=0A=0A=0AMSE NEWS=0A=0A- Top story: TalkTalk broadband customer=
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SK1sAGZOLzaNQexY_hQhX4YJhv7UEPtRHNMBCq8FMCo8DTTJlAi-C-e-l8reP9vIzOVxhda6hPB=
_b4CcsrO3pcoRwcnfgwkRITFE6wnGGG0ArkbpBRKUlkfaxTNQmTOICjsvYrS0ky-gFMc_0FvHXV=
Ap_luU70GblfFVB3ICiOkpMkQXfpqEWtnszkXizAkctJ0zv5yitMp0cPmFQUdozs_EY1L-9e_dv=
Vdx5cCA9b5mXOzwe8je1QkLaMjhzYU4SguQiNvow7nDvgMhzZAjAc-MhRUCfHBcWpnT1R-PjHqM=
_nX8xYNE86Dh02D3x9f2tJkRL8gXe-fF4rsdMIz0QWxDoRukPPu695CptOUx-OM2rgSX-W0MvYh=
5O9RTGOs996Vcqq1S8wmkHZK6SCcAW0bB75SIdbBTWsc2nijric5wGn59lGE8UMzKtgtcoyYZtB=
bCQj1KW_b2vtufcII~ )=0A=0A- Government-backed NS&I's new fixed-rate savings=
 now pay up to=0A4.75% interest =0A( https://clicks.moneysavingexpert.com/f=
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UPN7H1jw-Op_ATlOSAZdHai7zL1SpeXd3nv0mW0eja6urPODv8sFjZL_H1xJ12bEoTfV7EmbFAe=
IJ_xavHXlYu0f2tGTcqVfRfcoglU_LKGbCrRcMtmAnmT3CDYdu9UfOkU3r465QqTtl86pKBf-kh=
CakhmIrl5fL5zPcFHpRmX_JJbcO5nMKO-IHHS1bdEKHe6swXA22sxg20pvSzrZ4Eo8u0soiNJ46=
uQf4Wwo7tRFLUgMsd83gbnU_qifTB3o_PgXW-Ydw9xLd8gWBdEngEl8sRoEzghH0JP7vjKRdqL4=
TJBbkb38YTmatYqAIP_g_S-VyVdeiVar60SHqKXcEFVrVjzNn-JrjYzOJrpPN4XIQ7CvZoWgp5F=
-MPcsseb-GG_oHzjtSBGHDqTMIro6F_fyaZEJTBN5QyQhwNnAtuveCd1A~~ )=0A=0A- Base r=
ate held AGAIN at 3.75% - what it means for you =0A( https://clicks.moneysa=
vingexpert.com/f/a/b8k60VzzTtcq4LYZvs3P7A~~/AAAHahA~/A5bv_N0W1twPhoFytVhTVN=
WfJS1RnHPzvBQN_XRAaDUeGdcO0-Xx0M9vawVSgZ6YzLkr649IBjta_xWMP9h4JYk_X68cRnN24=
HM6xYNq3PDYpy_xfHSCBgZVPccenPZVVYp67FLP411zs5jwNE5kpI3oa_bVcnrXIqw4p-dud4Uj=
IYvCG6Y6n-UKsSq1WyOR0uCLwDlQnTScYDI_AVvsF7WkOJxvZTQMNsDrMY9fVeVYCWouZ_UClie=
kblXNzA7afLtNxK_68eRT2WgBwqEBw--vh2M5ndorkx0rg6DtdQbP85CR43Z3iaYz9LlvEz3yQ4=
WjWX_TVzaVpMLR13MIf4kAbaOAvzDaW_MKIQ4-lWj9CgpHrqVbbCIN8QuozoYCrjpFZnBvzdt4o=
DcjRvRt_Fo_pm6hf4E_xn8f7odIye7XJQKrgaPULWJxDMx6YbJd2Uy9yKxmgM9nIQPXH5ozUxmC=
aMVZhsCP6UowOjDJANo~ )=0A=0A=0AMONEY MORAL DILEMMA=0A=0AShould we top up on=
e of our kid's JISAs if they're not worth the=0Asame when they mature=3F =
=0A( https://clicks.moneysavingexpert.com/f/a/t2_GzBqcnDrTUbdnzZvWNA~~/AAAH=
ahA~/tvTHExj0ottVFOoNu7hfxHHHql2gLAZrj6Tw-1ge7umFbmpz4RiKhqoJVRcE78RVTl77Qp=
iXpmBv-yzdo_fDJe3HXDQwdkpXxlSu9AsedGQMRn49H7ieHyicJkB77okR4-ud3SKITt-k9asUg=
UVJrDusN82AVRRiNvkoOi-uB_acflGS8pRZWrvH9hMM5_xENi22f8KrcNOdzQ4sEkCUTXoEeADX=
SLhamggNFPWRibGmYf5tqYZ7z0H_ZzG7x9vxjqaomR8J7odtQBdnD-8GRrXxwngxmThJCuz1f0P=
PHAF1CwPBWSXu3ObumN074Cso6_MsJxwI2OQYw6v2bU_QVHVPvGXio_QVhg6-juAkZwhGYDhdbU=
9f105Xid919fSamhwicxBlSUwmgyW-nb4TKwUKz843z0P2c4D-GqQrR3f7P0keDo_ilLPzt1jxj=
WZJoJz9fF42StFLT67dguk0NnBv61mSpOkoTCtbhCrrgVOgYJOFYjWSmdK77wzzptlK1QAsS_oM=
XPgCTl5t7Pr7VpFIyJDQumRiDMrZoJ4o7r4VPuGMWtxuagwTB9fyR6Bm )=0A My wife and I=
 set up junior stocks & shares ISAs for our two=0Achildren when they each t=
urned one. We pay the same amount into=0Aboth and invest in the same funds,=
 as we want to treat them=0Aequally. Yet as there are four years between th=
em, the=0Ainvestments will be subject to different market conditions - so=
=0Aone account could be worth much more by the time they each turn=0A18. If=
 that happens, should we make up the difference so both=0Achildren end up w=
ith the same amount=3F Enter the Money Moral Maze:=0AShould we top up our k=
ids' JISAs=3F =0A( https://clicks.moneysavingexpert.com/f/a/YjG8F9eNDu5_Agt=
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<img border=3D"0" width=3D"1" height=3D"1" src=3D"https://clicks.moneysavin=
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y:none;font-size:1px;color:#000000;line-height:1px;max-height:0px;max-width=
:0px;opacity:0;overflow:hidden">Plus... =C2=A385 Shark vacuum, are you over=
paying Council Tax=3F, 5% off fuel, the Biggest Stoozers</div>=0A<div style=
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bsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; =
&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp=
; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;</div>=0A<span name=3D"en=
donsitedelete_1"></span>=0A<div class=3D"wrapper" style=3D"color: #000; -we=
bkit-font-smoothing: antialiased; -webkit-text-size-adjust: 100%; -ms-text-=
size-adjust: 100%; text-rendering: optimizelegibility; box-sizing: border-b=
ox; background-color: #f0f5fb; font-family: Arial,Helvetica,sans-serif; lin=
e-height: 22px; padding: 0; width: 100%; min-width: 100%; margin: 0; font-s=
ize: 13px;"><img src=3D"https://pixel.app.returnpath.net/pixel.gif=3Fr=3D8b=
c6952e6a606dddf03dc0296ed21ba80f6d9f9b&c=3D10b9946343b74c5db2de7e406cce2ea5=
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<![endif]-->=0A<div class=3D"full-width" style=3D"width: 100%; min-width: 1=
00%; margin: 0; padding: 0;">=0A<table class=3D"container columns header__d=
ate-bar-v2" cellspacing=3D"24" cellpadding=3D"0" style=3D"border-spacing: 0=
; border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; =
border: 0; color: #000; width: 100%; max-width: 760px; margin: 0 auto; back=
ground-color: #202843; border-top-left-radius: 6px; border-top-right-radius=
: 32px; height: 101px; margin-top: 8px; padding: 16px 8px 16px 32px; font-f=
amily: Helvetica Neue,Helvetica,Arial,sans-serif; line-height: 15px;" width=
=3D"100%" height=3D"101" bgcolor=3D"#202843">=0A<tbody>=0A<tr>=0A<td style=
=3D"padding: 0; vertical-align: top;" valign=3D"top">=0A<table class=3D"con=
tainer navigation-v2 text--white text--small" cellspacing=3D"0" cellpadding=
=3D"0" style=3D"border-spacing: 0; border-collapse: separate; mso-table-lsp=
ace: 0pt; mso-table-rspace: 0pt; border: 0; padding: 0; width: 100%; max-wi=
dth: 760px; margin: 0 auto; font-size: 12px; line-height: 20px; color: #fff=
;" width=3D"100%">=0A<tbody>=0A<tr>=0A<th class=3D"hide--mobile" style=3D"t=
ext-align: left; font-weight: 400; vertical-align: top;" align=3D"left" val=
ign=3D"top">=0A<p style=3D"font-size: 12px; line-height: 20px; height: 24px=
; margin: 0;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/-DxGFLiZA=
6k5EU6IPmaC8A~~/AAAHahA~/CCWU3pm6gS58QePOlw-8CvJWc4VlHoYu39BaWbhSukDiSeEvoH=
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rit; text-decoration: none; color: #fff;"><img width=3D"196" height=3D"18" =
src=3D"https://images6.moneysavingexpert.com/images/Money-Tips-Header_v3.pn=
g" alt=3D"MoneySavingExpert" style=3D"-ms-interpolation-mode: bicubic; outl=
ine: none; text-decoration: none; border: none; color: #fff; font-size: 15p=
x;"></a></p>=0A</th>=0A<th class=3D"text--right hide--mobile" style=3D"font=
-weight: 400; text-align: right; vertical-align: top;" align=3D"right" vali=
gn=3D"top"><img width=3D"17" height=3D"14" src=3D"https://images6.moneysavi=
ngexpert.com/images/Money_Tips_Paperplane_2.png" alt=3D"" class=3D"paperpla=
ne-2" style=3D"-ms-interpolation-mode: bicubic; outline: none; text-decorat=
ion: none; color: #fff; font-size: 15px;"></th>=0A<th class=3D"text--right =
text--left__mobile" style=3D"font-weight: 400; text-align: right; vertical-=
align: top;" align=3D"right" valign=3D"top"><strong class=3D"header__date-v=
2 text--msc-title" style=3D"margin-bottom: 10px;">04 August 2026</strong> <=
span class=3D"hide--mobile">|</span></th>=0A<th class=3D"text--msc-title nt=
-viewonlineheader" style=3D"text-align: left; font-weight: 400; margin-bott=
om: 10px; vertical-align: top; width: 114px; padding-left: 5px;" width=3D"1=
14" align=3D"left" valign=3D"top"><a href=3D"https://clicks.moneysavingexpe=
rt.com/f/a/zzUYVLwXCVIJjfbbMPmHwA~~/AAAHahA~/dqgRtugtJHIM1RY9vFGZqfCTYMVlQy=
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aFmKg-C2RBU_KdgLE_4eb65ieyz17l88-8R8WmUFIaR" class=3D"text--white" style=3D=
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derline;"><strong>View in browser</strong></a></th>=0A</tr>=0A<tr>=0A<th cl=
ass=3D"hide--desktop" style=3D"text-align: left; font-weight: 400; vertical=
-align: top; display: none;" align=3D"left" valign=3D"top"><a href=3D"https=
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pm6gS58QePOlw-8CvJWc4VlHoYu39BaWbhSukDiSeEvoHZRY2G9HtL__eGDFlFCLFqbpxj93J_G=
KskupHqdGzV0wgYYmt9dNcbBNBkseU47I4hu03WlpCAeyl5D0dXrIUDCe5AFuzbEVfPFEQ~~" s=
tyle=3D"font-size: inherit; line-height: inherit; text-decoration: none; co=
lor: #fff;"><img width=3D"174" height=3D"17" src=3D"https://images6.moneysa=
vingexpert.com/images/Money-Tips-Header_v3.png" alt=3D"MoneySavingExpert" s=
tyle=3D"-ms-interpolation-mode: bicubic; outline: none; text-decoration: no=
ne; border: none; color: #fff; font-size: 15px;"></a></th>=0A</tr>=0A</tbod=
y>=0A</table>=0A<table align=3D"left" cellspacing=3D"0" cellpadding=3D"0" s=
tyle=3D"border-spacing: 0; border-collapse: separate; mso-table-lspace: 0pt=
; mso-table-rspace: 0pt; border: 0; padding: 0; margin: 0 auto;">=0A<tbody>=
=0A<tr>=0A<th style=3D"text-align: left; font-weight: 400; vertical-align: =
top;" align=3D"left" valign=3D"top"><a href=3D"https://clicks.moneysavingex=
pert.com/f/a/PD-NXCIErMJbL-wmJYh-pg~~/AAAHahA~/aqgTvb9KTED_2c1AZf6Mr7V2kSm-=
ePTJyGtCf2MqFe-A9zSQAaSUe-07v_OvhS7ZhxtO7o8jQ0pV3FFHmOT_P_DayJgCuarkW4B928O=
x_TK-6Ur7GaJDKrB9FKtCySR-V7Y4MvFAWfV3uf6gwCDEh0IWWpTPweU3BrpB3sxD_S4~" styl=
e=3D"font-size: inherit; line-height: inherit; text-decoration: none; color=
: #fff;"><img width=3D"314" height=3D"40" src=3D"https://images6.moneysavin=
gexpert.com/images/MoneyTips_headline-with-navy-container@3x.png" alt=3D"We=
ekly Money Tips" class=3D"money-tips-image" style=3D"-ms-interpolation-mode=
: bicubic; outline: none; text-decoration: none; border: none; color: #fff;=
 font-size: 15px;"></a></th>=0A<th class=3D"hide--mobile" style=3D"text-ali=
gn: left; font-weight: 400; vertical-align: top;" align=3D"left" valign=3D"=
top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<img alt=3D"" src=3D"h=
ttps://images6.moneysavingexpert.com/images/Money_Tips_PaperPlane_1.png" wi=
dth=3D"32" height=3D"27" class=3D"hide--mobile paper-plane1" style=3D"-ms-i=
nterpolation-mode: bicubic; outline: none; text-decoration: none; color: #f=
ff; font-size: 15px; padding-top: 9px;"></th>=0A</tr>=0A</tbody>=0A</table>=
=0A<div class=3D"hide--desktop" style=3D"display: none;"><img src=3D"https:=
//images6.moneysavingexpert.com/images/Money_Tips_PaperPlanes.png" alt=3D""=
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on-mode: bicubic; outline: none; text-decoration: none; color: #fff; mso-hi=
de: all; width: 0; height: 0; max-height: 0; margin: 0 auto; font-size: 0; =
line-height: 0; display: none; overflow: hidden;"></div>=0A</td>=0A</tr>=0A=
</tbody>=0A</table>=0A<table class=3D"header__navigation-v2 container colum=
ns" cellspacing=3D"6" cellpadding=3D"0" style=3D"border-spacing: 0; border-=
collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border: 0=
; color: #000; width: 100%; max-width: 760px; margin: 0 auto; background-co=
lor: #485279; border-bottom: 1px solid #c0c3c9; padding: 1px 0; font-family=
: Helvetica Neue,Helvetica,Arial,sans-serif;" width=3D"100%" bgcolor=3D"#48=
5279">=0A<tbody>=0A<tr>=0A<td style=3D"padding: 0; vertical-align: top;" va=
lign=3D"top">=0A<table class=3D"container text--white" cellspacing=3D"0" ce=
llpadding=3D"0" style=3D"border-spacing: 0; border-collapse: separate; mso-=
table-lspace: 0pt; mso-table-rspace: 0pt; border: 0; padding: 0; width: 100=
%; max-width: 760px; margin: 0 auto; color: #fff;" width=3D"100%">=0A<tbody=
>=0A<tr>=0A<th class=3D"mobile-full-width" style=3D"text-align: left; font-=
weight: 400; vertical-align: top;" align=3D"left" valign=3D"top">=0A<table =
class=3D"full-width header__navigation-v2__links" cellspacing=3D"0" cellpad=
ding=3D"0" style=3D"border-collapse: separate; mso-table-lspace: 0pt; mso-t=
able-rspace: 0pt; border: 0; width: 100%; min-width: 100%; margin: 0; borde=
r-spacing: 2px; text-align: center; padding: 0 14px;" width=3D"100%" align=
=3D"center">=0A<tbody>=0A<tr>=0A<td class=3D"banking" style=3D"padding: 0; =
vertical-align: top; line-height: 16px; width: 112px;" width=3D"112" valign=
=3D"top"><a href=3D"https://clicks.moneysavingexpert.com/f/a/LYfCt_83vqwag0=
m2yOLLIg~~/AAAHahA~/HQRkgVzAbqZYDOWN5WvmZyx7jqyfAjf_C-yHvAsU4xvzUCega9mu6wf=
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class=3D"nt-bankingheader" style=3D"text-decoration: none; color: #fff; fon=
t-size: 12px; line-height: 22px;">Banking &amp; Savings</a></td>=0A<td clas=
s=3D"utilities" style=3D"padding: 0; vertical-align: top; line-height: 16px=
; width: 92px;" width=3D"92" valign=3D"top"><a href=3D"https://clicks.money=
savingexpert.com/f/a/ip_LV0c4ZE2fZ8Z2-gX14g~~/AAAHahA~/adso6vAiL3vOmYaial7V=
-B7V7jr5twrc8rZWKSD_Mm5hkBMvXgQ5H4FVaMQW7mU76KQBKmH33miTyKKBrfEF1GMKhkcyKR_=
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ogva14DY-geLyEvcXc2z_7d1AUd-_WXollpNPv8ZqwHj-BQlgBgkv_avvfvl73m9T0mUn6uDeiH=
51aMpEmRKpwa-4JAaL4dLtgjC9lGj93KuGj628wMOVUmv0vAHvSs4f87P2KiEWU7S38mZ7IDDwA=
rvjZj2xjEGVhgPDM16eQyV14qmYNxi5fozzhhr21sEreaJ8uvK7DfG33Gz-0tF3hnZHbO9_ATIf=
bGSd6fIqaoqT9x_epHxnYTuGqTC6mfsw~" class=3D"nt-utilitiesheader" style=3D"te=
xt-decoration: none; color: #fff; font-size: 12px; line-height: 22px;">Hous=
ehold Bills</a></td>=0A<td class=3D"deals" style=3D"padding: 0; vertical-al=
ign: top; line-height: 16px; width: 49px;" width=3D"49" valign=3D"top"><a h=
ref=3D"https://clicks.moneysavingexpert.com/f/a/CzzBp6cktA8iAPN-_8cWbA~~/AA=
AHahA~/ekcMl0D1Ix-wMWvbh9C85ZTU81cSFiSzVWNybmsWkkL8G24fQ0Q12PNpIXseIiKV1cli=
aH_oGAtI6gdxNS9F1KHzAK7LH76kB8XrcPy1SgShkOXVYKxHprY7YDNo4UJPW7Q6dLXH1aZ1ZGp=
yK6TGojwOkKvxSdjTLW7ulIbe4w6VJ39bg32HtWHaQONmvQhAnPVgNNztI55pE_DlglvOnnAady=
TeSoCJEX0YCbtq-Swq9q0XMhC2EKnPBgGm-_9Ey7b30cXNQQhPBPwdKyq7j3dKCRMM3CTOvtwSS=
JKXk3EB-oFvXREezuUaw0q6O_dZXG_oOVnPbvSsCrP5CR91rhS4hTiOunzBoxiJ_wU6Ge6U42yl=
W-ZG8WAlTdJfqbsi9GNita4xJaQhQSEHWf7LOvhOkBLE3-mT9F8-PKoI8zU~" class=3D"nt-d=
ealsheader" style=3D"text-decoration: none; color: #fff; font-size: 12px; l=
ine-height: 22px;">Deals</a></td>=0A<td class=3D"insurance" style=3D"paddin=
g: 0; vertical-align: top; line-height: 16px; width: 58px;" width=3D"58" va=
lign=3D"top"><a href=3D"https://clicks.moneysavingexpert.com/f/a/AtVe-n0OKm=
-kx5mBGFNnOA~~/AAAHahA~/adso6vAiL3vOmYaial7V-B7V7jr5twrc8rZWKSD_Mm7i1rQPXv1=
vk-SDrk4um06krbavc8WgYKkNnMvVpAbBDI_E_dro0qPeLvFF__A3IXO6wjAx6byhrKZjOCGJ9B=
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qRdd7JDdBrYYKGz35fJ_Ju2f6tyafmz9CB65xCLmP7Fs2JEEo2Wn2MHiRC0sMnp1tCmZ2sV49Kk=
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yEh6OEmJb0pKkJaelFtdAeluP8GllivxGwbn-mu4VvMCWKkEjrMzyzeLkKeJ1lEqoYWF99P_Umy=
A~" class=3D"nt-insuranceheader" style=3D"text-decoration: none; color: #ff=
f; font-size: 12px; line-height: 22px;">Insurance</a></td>=0A<td class=3D"b=
orrowing hide--mobile" style=3D"padding: 0; vertical-align: top; line-heigh=
t: 16px; width: 96px;" width=3D"96" valign=3D"top"><a href=3D"https://click=
s.moneysavingexpert.com/f/a/6t97Li9cJZtlhPARyeVrbQ~~/AAAHahA~/HQRkgVzAbqZYD=
OWN5WvmZyx7jqyfAjf_C-yHvAsU4xuax584f2lN_S9rFBLM_usT41AarBIKYanwNVFj8pdPxG0E=
7c2mOtaw01ROIA8_OaBP3oKBndKh6RiNfUG6HK857svd0eiQx0jGHsVxplWI6X9rUS1w1urDl4u=
tzJEZ2p0DGDA4xbKWqdgrbUrjvAtEy1OU8_-s_7PuG6QEw9tsE7s-_04Azep5ykcGyXMNtXK_6H=
WES8XbfUdTjijeDp1dqsGUaaHXOglikIJaWXEy0wrleK7KW41B3Nfafk7PIy2_GbB9LkRImJ-xH=
Y-Ft1QMhmAuYl_FzhOLnbg79u9lnhi-_lUiAWQBx_9Gv73-cvXm_T4QmW1IJRnEGTJMnE7PXDCt=
aGjNjO26iNGXul_oe-gO0-tcNP_bICoGZAUEO68~" class=3D"nt-cardsheader" style=3D=
"text-decoration: none; color: #fff; font-size: 12px; line-height: 22px;">C=
ards &amp; Loans</a></td>=0A<td class=3D"mortgages hide--mobile" style=3D"p=
adding: 0; vertical-align: top; line-height: 16px; width: 66px;" width=3D"6=
6" valign=3D"top"><a href=3D"https://clicks.moneysavingexpert.com/f/a/Ew_WJ=
1hir7F6Caz-VVEe8w~~/AAAHahA~/adso6vAiL3vOmYaial7V-B7V7jr5twrc8rZWKSD_Mm5m2X=
BLaCBjlhnb-RjjIwOWTueQLFNdWAwt5ejTcjt7XMjWhC0X9xoZhzSqq5RYNc2xiwOIGo9UfVXHl=
aA1LtP5QisUciyrHW8mWV3ocuHBGu8Usos_KpiVQ87C9WdOCPlNpTphHzgIio_cNOyibtWcpca2=
XaSmS9plEPhSMW8y134qVxcKRhEb4oo3YZ9QzbBFYqE5ISZDeUVuHaVM8i-tmZFhVfUyGYcVesD=
nUltyTL1NRYUA_srAoGJz2ev9YITComVQVjyclP8MeDrm6lIncbDx10AdtUAihpCqqdsrPcpVN9=
vOg4eCT2Oqf_BuTCWHYbdE_nWO3ZjWWYEm99cfX79o0pRZrzxmKTEccRCtrVV2O1o5OeNKNbsyM=
iBWMw4~" class=3D"nt-mortgagesheader" style=3D"text-decoration: none; color=
: #fff; font-size: 12px; line-height: 22px;">Mortgages</a></td>=0A<td class=
=3D"income hide--mobile" style=3D"padding: 0; vertical-align: top; line-hei=
ght: 16px; width: 62px;" width=3D"62" valign=3D"top"><a href=3D"https://cli=
cks.moneysavingexpert.com/f/a/uhhYPxZWDbNEW5AttCkCfw~~/AAAHahA~/xS6o9uZjeaO=
jQR3pVkO-vQikQEbJfimPfYO4cq9w1rExUtogYlIeKg8GK8PK6UlFHQMvJe3uSjewVbxjxTElfk=
n6lmfeB1_fLwL8x-RGd4y2LH7Qbqx8c1HRO3bRB1QmGLaGEwgVqdcw12_hrEX0sBnbMr0S-E55D=
DS4Kj6d0j2VepLsq0bDC_VA-q36hQUuIbHUGUNDNuipmBoVYnU5v2aVvNRVqfnUjf8Av5C5kdNq=
-FFUbTJPReoQ8Nv1U5zTAoISMjRAtuLLjESwqi_PJ9ZWnUAJmrG1HoaKbFreUPynTmowdQKcrDg=
p3RwBCz1yKnCYHf9BMs-E8VQNCjqV3yUU7KPR_KFR26OgeBW_Wi_ua-M0XWlVU_9rGkzGbb2I-F=
-hUyqSeTDA_iv1p_uw6e83ZGCE5n8ltVnugFDXMqU~" class=3D"nt-incomeheader" style=
=3D"text-decoration: none; color: #fff; font-size: 12px; line-height: 22px;=
">Income</a></td>=0A<td class=3D"reclaim hide--mobile" style=3D"padding: 0;=
 vertical-align: top; line-height: 16px; width: 54px;" width=3D"54" valign=
=3D"top"><a href=3D"https://clicks.moneysavingexpert.com/f/a/9Fb3wZR6g5WZEb=
fl1l3mJw~~/AAAHahA~/HQRkgVzAbqZYDOWN5WvmZyx7jqyfAjf_C-yHvAsU4xvCHQVArgm4e7K=
Jhde9c4xIvTPiiR12m9RAaYj6xX_MhpGDfVLXGl_Lp4CtZksNXHHnsYAOVKmWG01KjuIY8eDv5g=
xcpJZ0sqwvVrKuueO7hqumG-XXC8zSVGjLHhoByT3MS-2gzqtnmxlV1p36BpvMevmBlcnfyFOtr=
PeVuepepfrK-DTfx-3N2Y2hBYgolu_KT5HDH24bUaPEb3woMr6L6SoSr8ei12Dl39tW163QFkBX=
Q54TgMQmOjv_OWVm1D4kJbzN-pheihRZYBdLBOQIBVevCn30Zpa0bPDZGTb8rWiyU_3YXl-0s0T=
xXeG7T0-Mg8CYWZwsv3LZdsQVXwfzo9lWAGfBY03ATHyplJu4dY86QysGzLT1uVMiirWFQY8~" =
class=3D"nt-reclaimheader" style=3D"text-decoration: none; color: #fff; fon=
t-size: 12px; line-height: 22px;">Reclaim</a></td>=0A</tr>=0A</tbody>=0A</t=
able>=0A</th>=0A</tr>=0A</tbody>=0A</table>=0A</td>=0A</tr>=0A</tbody>=0A</=
table>=0A</div>=0A<span name=3D"endonsitedelete_2"></span>=0A<div class=3D"=
empty-gap" style=3D"height: 10px;">&nbsp;</div>=0A<div class=3D"full-width"=
 style=3D"width: 100%; min-width: 100%; margin: 0; padding: 0;">=0A<table c=
lass=3D"container columns" cellspacing=3D"0" cellpadding=3D"0" role=3D"pres=
entation" style=3D"border-spacing: 0; border-collapse: separate; mso-table-=
lspace: 0pt; mso-table-rspace: 0pt; border: 0; color: #000; width: 100%; ma=
x-width: 760px; margin: 0 auto; padding: 0;" width=3D"100%">=0A<tbody>=0A<t=
r>=0A<td class=3D"mobile-full-width highlights__container" align=3D"center"=
 style=3D"padding: 0; vertical-align: top;" valign=3D"top">=0A<div class=3D=
"">=0A<table class=3D"table--white" cellspacing=3D"17" cellpadding=3D"0" ro=
le=3D"presentation" style=3D"border-spacing: 0; border-collapse: separate; =
mso-table-lspace: 0pt; mso-table-rspace: 0pt; width: 100%; padding: 17px 13=
px 0; background-color: #fffcf1; border: 1px solid #8d8d8d; max-width: 375p=
x; margin: auto; box-shadow: 0 4px 14px #00000080;" width=3D"100%" bgcolor=
=3D"#fffcf1">=0A<tbody>=0A<tr>=0A<td style=3D"padding: 0; vertical-align: t=
op; font-size: 13px; line-height: 22px;" valign=3D"top">=0A<div id=3D"highl=
ights" class=3D"nt-highlights">=0A<p class=3D"text--light-purple" style=3D"=
margin: 0 0 15px; font-size: 13px; line-height: 22px; color: #4f6084;"><str=
ong>THE TOP TIPS IN THIS EMAIL</strong></p>=0A<div class=3D"highlights__lin=
k" style=3D"border-top: 1px solid #c5d1e9; padding: 9px 0; line-height: 17p=
x; display: block;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/R0Q=
mcIW4Q2PqzhCGLurnww~~/AAAHahA~/OdTw8E71EKHmDF7W3JpPLg9vjVxGWxQFzi8QKEupfhfj=
1E5C2relokoXUS2ZcNr_wvYEKWEkvqXMNXZ0SZqAxFM_imtAXm-uS_8d8bJlZ6oofMJrWUphS03=
4JEu1AS7MlOOgXf0Tex6lFKRu2QyzMWuCmYpiPya8j0NlIqqhwKnY-0ih8th7JEIFM1sU35sFKr=
0NGv4GYwUysWEOJ9nUlIXWxttyRtztfTMH85X-4XifmNGfPLAFJu4JMwx0GbbSYbLpwDTcaqQVO=
F_SHKqpQb2bjwOGTYIv_6QW3PRSMyBmomi2fdXj_f7T2i8-dP4w_7riZB8eUTy5pPVNwFPSITwW=
gyvV2ryE4yhs2PHu7-sjTjSrVt5_4shOw-7tCLpFtOKrzrg528o_NM9cM9Kzm_G7bRNe_ctjuBd=
NtMFvUYGTdbLWXrN7LCGbrTgvXKIq" style=3D"color: #0047d9; text-decoration: no=
ne; font-size: 13px; line-height: 17px;">How to pay 0% interest on your cre=
dit cards till 2029...</a><br>=0A- <a href=3D"https://clicks.moneysavingexp=
ert.com/f/a/5d1s8UR4UI0r_Ux7KqYqxA~~/AAAHahA~/WFiX915batiBEWR7PcZT3jp-ifRoV=
k1BSgXMiI8wtA1YD0ft6hkgoX0iQ7UC7ewQQ6L7Dy9IjWJM4hSw6eCV6UZxPDkgZYH8DaSg7Uxv=
XX3pmsrjShOc9SMS1U9xPxODm9XT8FknViaKY70vE9EAuXiSpjzBt_dJ3AYH2HI0hLJdUMLt-ak=
Nqs9WFcskcPV52ykTpvzQ2Unu4wjVkOlaqJvlAK6IIP7CTBA5tS0mpnlu3HAdERu3WZ8JVPhu8y=
mpLBaF8FgevVZNxJi4k5AX6VnevNUwH3HtqTUD-Zwt7hIpviD3iDkVysQ8ExPtD6qIcW8_uWlba=
GJlu6VolCTOfmIsN-Zu57PD_ENhYd2TLyYf-lVX4m6Mee5x6tOpObiK96kNZA2qWZYUVaTYVNaG=
XaYHHOQj1gw2HwaRng-QS_baU4CWjwk8mmAZfDpALRvs" data-eligibilitytype=3D"" dat=
a-eligibilityurl=3D"" style=3D"color: #0047d9; text-decoration: none; font-=
size: 13px; line-height: 17px;">Top debt shift cards, eg 36mths 0% + =C2=A3=
25 cashback</a><br>=0A- <a href=3D"https://clicks.moneysavingexpert.com/f/a=
/DUmnF_QhKyLBAgU0rR_S_Q~~/AAAHahA~/YxF9_Y77y0EcrentLdPu2RmYl4Q88AuEX47LX9sU=
nQPn6cIXIW2s6X_Rfc2-PNXC0C0jXjND6ZJSWszdxcfZb9jHGQ540Cr4Jq8MOH_Ed_xX0IKmn2W=
mUsV8Lh0ggRgMroNQA3doNZKdXIPoHcxn1Dk-BuUWDUg-BaAPpsu5dm6l8YrUTDmABcJjL4-Nk-=
ugXvIqmZ0784VaZ5SSKrYfGXcdzOUFjclXtvS8kDjEBBtPDBD4SqH-0nROROqXPrPIuA6JviQY-=
grroea9Tt5luhWJhAG3V7B404zyMofpwOK77gjuqhxXY44kiY18K-ENBcjfKfm2DkE_Fmk92H3f=
CNIOspy3RM67E2HM4jlW6pTuNvSjs-hZYSe4Wr_xXnMY3LFlZAQpEcxBgWb1J2coVuRSneQEgsM=
8vl_6bBTTntXRJq9m7GmeZabzQ4BO8AddufwXGvAt9M82Qju_txUmtA~~" data-eligibility=
type=3D"" data-eligibilityurl=3D"" style=3D"color: #0047d9; text-decoration=
: none; font-size: 13px; line-height: 17px;">Top cards for poorer credit sc=
orers - up to 22mths</a><br>=0A- <a href=3D"https://clicks.moneysavingexper=
t.com/f/a/7JUTn21W03Lu7qDDhM3VVQ~~/AAAHahA~/WFiX915batiBEWR7PcZT3jp-ifRoVk1=
BSgXMiI8wtA1YD0ft6hkgoX0iQ7UC7ewQQ6L7Dy9IjWJM4hSw6eCV6WMbDGPDstP8QV3MT0BHo7=
52zEFdfmMbuYx53aZSLuzbsWOEjjV9bzrB_H1xlFmCKyMBmMzEc54DzsmQ-GzxfxKpdQQqFbXWs=
-0KXaP1AsdfOD9xkH3lVzmmIwMLVfw1dzFiDpt7WlsiBnORWDC924ReuTGZQJ32Z4uLOagR5RPq=
pvKKJua4oX-mqUllmfLDPr65MILwOrum1ofRk6e4ITdJk44IyWdMOsAtXJE0gNAgGV27tbjxMEh=
RZsmTPENkZ80SlN2L1ifzg_lLKQ231mr5qiZOLhDSlfAMY0XTUmykkYLVPKGnAES8MX1kWJdCV8=
owpTw8-LSO402Q7WeDc7V8LWZeL6hApQu9jF484k7_" data-eligibilitytype=3D"" data-=
eligibilityurl=3D"" style=3D"color: #0047d9; text-decoration: none; font-si=
ze: 13px; line-height: 17px;">How to properly use balance transfer cards<br=
></a>- <a href=3D"https://clicks.moneysavingexpert.com/f/a/X5ccIubbIp4y_YMR=
_aSpvA~~/AAAHahA~/OdTw8E71EKHmDF7W3JpPLg9vjVxGWxQFzi8QKEupfhfj1E5C2relokoXU=
S2ZcNr_wvYEKWEkvqXMNXZ0SZqAxENtXUL8KvR0qgjBufCa8tnFNSkdmSprQOEpmQnDVhL-BZ-A=
eIXsfVm-pWFgRFMYl7Wzo7GJTqVoiPyUIlI3V1OE3GqWxGn4IvkL60u7EKGiuKZDw29vZk9Xro7=
KC4OYzgaNkWh4Hp0EZ1AwYYvg6iAn71mbbfmJ0Wx7AVzuSl6pwAVFbnf-csd_aKuiUo-um6jFTE=
jucJ5dKXg0VCpYld6mh8x4cFUm8C64_CuBdgxcaPMAxXlQ0R6VuZQ-rlmVnl6ENqlyIUpdQcxZW=
rnMc9gNA2rj7mI2l3NSVgQKyOmHRHRh0xW3kqxKoPet_4jtIWlQpEJSaE5EacK99rrccuLLsFL4=
GEUiyXggipWpDz4Q" data-eligibilitytype=3D"" data-eligibilityurl=3D"" style=
=3D"color: #0047d9; text-decoration: none; font-size: 13px; line-height: 17=
px;">In debt crisis=3F Get free help now</a></div>=0A<div class=3D"highligh=
ts__link" style=3D"border-top: 1px solid #c5d1e9; padding: 9px 0; line-heig=
ht: 17px; display: block;"><a href=3D"https://clicks.moneysavingexpert.com/=
f/a/_ECPv0yDxn4oNT7xXpAmUg~~/AAAHahA~/YxF9_Y77y0EcrentLdPu2RmYl4Q88AuEX47LX=
9sUnQPn6cIXIW2s6X_Rfc2-PNXC0C0jXjND6ZJSWszdxcfZb4eFgESjVNV37i1qt6dMlh4jV78c=
eCVmQjPDntYORqsoStbOnAEvygb_NkZ6HmxaUk0mbbE5W3veCNViR5Pvk6r8sXHH34EVw6-GZWa=
7pgMEnOWnOMMmqhBZumks94sv7cc_x4aj4YbAKGDEvD1fzcANaUE70gNAhduFJFdkx-2vIpW3oO=
vFPLWAr_VAL2Tc0AjCrETwIAnAhl2FwxwylVkibVapeLtUm3daVnFq-RMOS4vn3RzWrODg2h5Xt=
h3hujeLgPy15eIFkaa8j1SXqCQWGiNQxXpb2dJ0XPMkqrNwjFw2Y9GAlRUfy_WnTWixE0Qlx4so=
P3WfXuhYmzyKQ_VKHlQgZu7DD0GQKGQyPEAMICdEPqjsXWIu7ifwYl1TuQ~~" style=3D"colo=
r: #0047d9; text-decoration: none; font-size: 13px; line-height: 17px;">Cou=
ncil Tax: check NOW if you can save =C2=A31,000s</a></div>=0A<div class=3D"=
highlights__link" style=3D"border-top: 1px solid #c5d1e9; padding: 9px 0; l=
ine-height: 17px; display: block;"><a href=3D"https://clicks.moneysavingexp=
ert.com/f/a/Mn5oPRkiyBqjt9ifkJq9rg~~/AAAHahA~/OdTw8E71EKHmDF7W3JpPLg9vjVxGW=
xQFzi8QKEupfhfj1E5C2relokoXUS2ZcNr_wvYEKWEkvqXMNXZ0SZqAxGbOiYSPXbfRT6Tk_V_R=
INN0m0eCmeSRGPLIzSkkS6G_vQRD6EeYRKlg3IvxgLXTsfDmwABSPrOW1OYDnWRkAGl4q2u5Gn-=
LjFrP8UvYF1DrHFV8D5SDaP8TblbLIX_TE2oieMZQ88YEzVmQL4d-K6KvBCPa4BhAd-LAzak2R0=
yG-Os6Pif9KKlDZDuJEou2XonFmaHIPpd4rtc4vULhL98qwJl-8YTbkF-CNeX3sJQk079hT5FRe=
CeYKdHewsiitqKhv0se1MuMOfxljo5cONBdFVJ63KJdQO4BB6D5VM9_zBgp9Srel4kec9mdTqWZ=
egEf1b_ZajPAMwmaAO_u5H4eFSWtvxZnim0p4_DNMvLm" style=3D"color: #0047d9; text=
-decoration: none; font-size: 13px; line-height: 17px;">1GB Sim '59p/mth' -=
 cheapest we've EVER seen</a></div>=0A<div class=3D"highlights__link" style=
=3D"border-top: 1px solid #c5d1e9; padding: 9px 0; line-height: 17px; displ=
ay: block;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/XIHviFtuolb=
m24m8NU8GGA~~/AAAHahA~/fT7lCMxbqMOKQRfpJj4-P0Onl-djfIq-cuLU3ekJDK1ZJA6LGh5w=
kJpcg8RVi3fnGvnch5cCI07kSW3vK2cbbOdiRON4hTuauts3T39IxA-itM-g2ZdQioCoE5cBzPA=
CNNvQhDNlD7ZRP_sWwNZNIV3kXXI2CaXavA_EiRcrcQJAZcLZ1XFHoJr2pYieKXKyDMZRayWHcn=
agNG7GXkqUnNWch0O_1tct2MpBqdAD8gIcyJZCL1RJrZ-MfrXNFHSnxzrFlUNz3nrV6o1iL4pLD=
m7nbM6FcNx_W6IOMcMXJ-BfzgMlUGitIqm4QRMI1oNcwQMQ8VGBs0xAxMA7GaDDu9pJdB4Auei_=
kAGNDfgcCiXNu_tlEJ3XmktljTkI4EruEGEpE_nhtmZz_DMPRkjtecDTmgZEOhXj9GisXEFkeOY=
gH7vJOYjWH8SLSSFm3gFqw86ZA5vPBkNnKKovQtX4XQ~~" style=3D"color: #0047d9; tex=
t-decoration: none; font-size: 13px; line-height: 17px;"><span style=3D"col=
or:rgb(198, 32, 53)">Urgent.&nbsp;</span>5% savings ending</a></div>=0A<div=
 class=3D"highlights__link" style=3D"border-top: 1px solid #c5d1e9; padding=
: 9px 0; line-height: 17px; display: block;"><a href=3D"https://clicks.mone=
ysavingexpert.com/f/a/ClDOLvod-kZQplooBi9voA~~/AAAHahA~/lShwT3Kr_PGKdtYUea-=
e3uLtyhBFmh9A1B2ElJ6mVuZsMraCs7Iwqm0Jra93Qt1oEM7-eJAYmtgdxDR_J4WmnQLbHc2D36=
x2sNjq4GLnBES7-70EC-hVpC5D8QT3RjpKCc4Sw8sMWzerCPkFG4EzcKVsTlfZmZCYRNzrlfg6h=
Yi_Zs9cRk_Lz3SK9wUiPvZUKt4b6ewVWBgXTL948r-Feo7WQZBaheqCJozXI8wOtohrp45UVRXL=
-I4oTc00sLBHlHd85c83f5_rNkPH6NHXEriOCHBZYmj3Kw9u5kvuF4CxkyhLFVkxJ_60bOf2fZd=
vucGF5RVI_JY4LRMewd7jeYJuuKyZLeKaNTejltJ9HyajVDOsG4Mi0zHFyMHRFzw1PJxOZn66kQ=
t4iNV9W_AC9QzrGHukYKA3zEkPsStzWw1is9mW2r-FErKxUq19_ah9kWxaocRAwAkQeSDQnkoNk=
VKvSqq_Vk_R0Zz5lsLMQFQ~" style=3D"color: #0047d9; text-decoration: none; fo=
nt-size: 13px; line-height: 17px;"><span style=3D"color:rgb(0, 0, 0)">Marti=
n vid:</span> Check section 4b on your driving licence</a></div>=0A<div cla=
ss=3D"highlights__link" style=3D"border-top: 1px solid #c5d1e9; padding: 9p=
x 0; line-height: 17px; display: block;"><a href=3D"https://clicks.moneysav=
ingexpert.com/f/a/IkS0cKr1XLn3YXaGERZGzA~~/AAAHahA~/CO6d0wfRTXqKrGN3WcIx7Vw=
T26-1p48orThn41NQbfOymdeUcTaP_sbc5k30_yYxammMyv-hhloaPhJufIlEVywxHz28duBv2b=
gGmvWKeLvFZJ7gWDytOPFmwFCdAz6AVlXGupJ6I4r6UIxe1rhDLhRQsSVnTZFfxZRZykqeHiJSA=
RJJ0AdP1fNRCcqgghELVbEncOhvX-my5FgDkMsGUl0VizIXfGV9iNJLkww2pkxCH4PgGmHPXsQV=
VwnYwOnozDYYCZeY4V_yrGAodrEMsNN2cZVJRxtkVJbgdxnNo35iZq_swovQ_4ABTubZF-rt2m9=
jR8DlzI1Jde-BGW_MmFAWZ1AU2qhjjRIIMENLseE56opfIJ3wiF-MyrxJhIz3N7mf-l2tXQ96OH=
5T6jP5T4rVsVy9QT2Am-fe4Y1EYbZZYv9XUN6l60dBYTIiBxVu9S_RYYlj0UJhVAsJ2mrhqg~~"=
 style=3D"color: #0047d9; text-decoration: none; font-size: 13px; line-heig=
ht: 17px;">The Biggest Stoozers: the MoneySavers who've made =C2=A31,000s m=
anipulating 0% cards</a></div>=0A<div class=3D"highlights__link" style=3D"b=
order-top: 1px solid #c5d1e9; padding: 9px 0; line-height: 17px; display: b=
lock;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/_KAc6IIJN0w6gXue=
AoKUkQ~~/AAAHahA~/NuPh_55sYXvb2w_e45QWHnztOK3mBKaeKwCqnQwEJRh9bWl5GG5ZCAQtR=
HA5xhEnmFSjEWn43Ya2DB7SeAlHaJfuapluZgavhrI8LIe_QhJ-wEzBU8LReN9lRfkVV2BP6OYn=
8V6rt5skOll7lJVbtHDKbZL8FZ2x1AEnlTFTy4M_JmaRzaUzjs2BzLLq1MRZbF76mK9Xdaz7YF3=
tu7TgPV35jkFL67ftFBcw_Emkk6T7BiAS99keDFxMNy9xqFgCSJnyfLoahUr-b8nFCVkTLrM0vm=
ZEhDvJ2WgJqfdKR-EIUWYkvh5K1uRkDPXnYSO-ZNKd75qOltzpK-5JS5irhXVCXO-OdKXrmSyuz=
ObuJseQsSSV3JTCnzZHp4d_uJkcmDvbZaFsQ0LaDhqxzNgA3Zmo6FX2vLU1qqlojcTiRGf-Tw8C=
WmsTPeTg39uFHX7a0wEajzGMVsSG6s7VoLfPxw~~" style=3D"color: #0047d9; text-dec=
oration: none; font-size: 13px; line-height: 17px;">Shark cordless vacuum =
=C2=A385</a></div>=0A<div class=3D"highlights__link" style=3D"border-top: 1=
px solid #c5d1e9; padding: 9px 0; line-height: 17px; display: block;"><a hr=
ef=3D"https://clicks.moneysavingexpert.com/f/a/fzA4-SP51EFY5zuqdpufDg~~/AAA=
HahA~/dAE5rnLd2HgzNWZR3CeXNuQPm-L2tO3SKad7Smiwd3nAjNXyiS7Z8bOXlqFBlsxO07rhG=
a07JvL96F_eQfaJUn7fL7gkvkXLNPPQpMaxmD-gHjekcp4jJ7YZtc44aV-GeB-WHLXXk3Qsg1hE=
PwFoLmGM4tYxtPDyubWAURwxDIHoE86xqd-n-ZpQ8ATQfCHfGs0A573BOQayZnBS27ZkZDGFtLi=
0q-piNpc2_tZO1WMSOgUot2dlVXnGgnMcavHZBXdkXMC65Vc9YqEF3EfevxoaMH2cQBXqI1BK4z=
0LiZ6BuZRy8-Tu_kn5SgPPai4jn_h2J5uW4xVlTF_b8YE55VqcusB6X_p1eUoZ-cXUlqYi99-YW=
6bw9-W5ccAN1mx_ie3qHejw-2n5U03oW1_AgaOqVNZwDqt4ZZVGrp0LReIgDwzcGIpJWb9r6giB=
9M8Z" style=3D"color: #0047d9; text-decoration: none; font-size: 13px; line=
-height: 17px;"><span style=3D"color:rgb(198, 32, 53)">Ends Thu.</span> =C2=
=A317/mth full fibre broadband</a></div>=0A<div class=3D"highlights__link" =
style=3D"border-top: 1px solid #c5d1e9; padding: 9px 0; line-height: 17px; =
display: block;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/5Fx4Kh=
QJ5siyQLXeNt8Jdg~~/AAAHahA~/aVMOEzDuqjzF_v4sOZaXu18u3u7N4QxFgnMs9LUPN7EiiSI=
oN8Bd6N84_GAr-quS90SscWX-n5u_6B75hgbiQYNfracfYCK5aTTDQRc3hBBkehrUHXaLhwLpZI=
uK_4aLeIGTThBcYKz3_6KP30alxHXmGFmpjAWmPKcpHTt8ToOwjBE2LUI9Hb8Keu-qjQ_coiF3G=
jt6BKIwrOp-uIU0aj-x39qOBPV2DTpkpSIBUfX_uV-c_5nJxILu7O06zrjfE--7dzYMZPDlDxWj=
EBtKEnMvSrtRjwJ-R6224pzzlMQyGJ4wg0m4zpuu95O_7LzgdaKti9es41djo1ChIeKX7VzaHCn=
5Qu47J7Y6YbFbixh-bA_Y0ITb01gXmk6LkAth2QS-ewAsxOvGq8hfdbiH9An9hLSdUSyAGNj0Ff=
nbUBvpi1X8Uumum2KGt22BYWVtJ7XVY8-RaNnbzVkvhd-WHg~~" style=3D"color: #0047d9=
; text-decoration: none; font-size: 13px; line-height: 17px;"><span style=
=3D"color:rgb(0, 0, 0)">Martin vid:</span> Section 75 - powerful consumer v=
oodoo</a></div>=0A<div class=3D"highlights__link" style=3D"border-top: 1px =
solid #c5d1e9; padding: 9px 0; line-height: 17px; display: block;"><a href=
=3D"https://clicks.moneysavingexpert.com/f/a/qxiIRS0mPbKjmJ2VrSgjVw~~/AAAHa=
hA~/9a1IZ4bryKwzqAbctG0dEdzoFcl2QB5mL_qGNbdukXqlGrEJlzbZ_Hn9ffVpbBKhUt_bQjW=
77BKhKgyg6lO8ZteWtBlNH8yySh3MdBV9eEe56Y367tlDIiHH1pS7bkRsCWP2GyxAZgDT-MtDB9=
nh4Y7XW-1_3u79kssolNUmlATiM2IaIRC_2omCSwxM0fDqH_MbDr8mcVn3CcuVbk2r6fRwbxqLn=
JfdkGzBq4LsA9q7yWe707Zm0pveB4PbOJ_7GgaLKXQA1FRIHTbkihtfDV-mgrX1ALhuHF3nhiG9=
IlWLQI09dIC82VipA2ZgaWJSNN_5K6n1--KOFgs3W4iVH3cqXfwJ5qPLZ5qyTOTh5MtoNc9g8Z3=
-lMTsl4J9PG123zAaT-Nop-pmblsAjnO6B8H2Oi47WiWxxAFSclAUxi8SLOahdXPRxEZYqu1oFt=
Vm" style=3D"color: #0047d9; text-decoration: none; font-size: 13px; line-h=
eight: 17px;">It's back! 'Free' bakery item at Lidl</a></div>=0A<div class=
=3D"highlights__link" style=3D"border-top: 1px solid #c5d1e9; padding: 9px =
0; line-height: 17px; display: block;"><a href=3D"https://clicks.moneysavin=
gexpert.com/f/a/WN7idyUCZmJ2W5qPMB0r6g~~/AAAHahA~/4tDwnKfHVb3NsrSNtySx9cj8S=
K1sAGZOLzaNQexY_hQ4mP8YMrU9CgWUVjFR7DYpRJCI6VETKoo8DDJXD_may2vvNzOv7hNVp0Nr=
TXcZn9uTdYzrjf1id6hiV1fx6ece0_3SikGCUPYNI0Pt9roxvBLseH7Ul92HzumYcRHIrJG2uTM=
8qiQIKz8QwT38q0ITYFLSvZ3mosDdXz1dzQD_o0tOEfQRIW_Wr1Fayt_0n0DGVnq7B9UHeVHuQB=
HCsxwSYVSn9RN2cneLwPnl4mI3AeDklMKPXvitthT8IEKsyNCz5nujYNAIceZ6YAJWftX7sgsPO=
bjMq-1n3UdflRNMAzWwT3he5ZJ87j5CBNbyMXFNIQkBpzH973v1wRiag-TQxR317Rdkeg9qVTcE=
mJUXVFViisx7TU-4smHmgobr2Cc33W0SWAbS5POJVwa97UNikmI_INjsUMhSbbcKCU0LfkTTWRj=
afUTFgroWo8uGzaA~" style=3D"color: #0047d9; text-decoration: none; font-siz=
e: 13px; line-height: 17px;">'Stunned - found a =C2=A319k pension thanks to=
 your tracing tips'</a></div>=0A<div class=3D"highlights__link" style=3D"bo=
rder-top: 1px solid #c5d1e9; padding: 9px 0; line-height: 17px; display: bl=
ock;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/NuJ1sPqsS2H_rq0RK=
HLt0w~~/AAAHahA~/-JJWFMQRIs3zXUVMAkNYEWiaFDe4_e3uH4PgmULtp0orGhLfGaZ4QggpNv=
BFyQgyXXfcWsotRn3GEnERf_3rBunYOVbYCEYd6lOjNNj9_t0atPQD9KL4QFtWHW4yc-mHYQBXk=
Hwb7B9s4oMhKScJkJ_vjupDQ-FsYHgzYbmtIlxnoioqVLfmrq5NtquQkKemoPnB7aHO-1Ed0S_c=
psUVBiHbKqvM0lZNjwMD-OjZtX58OWsbeP_G51WBUyzmYVGj4yySMOzYYUYn11kzd-R4RCTrzye=
-q0NMZYJI2bsfZrqYuNc850VzN0Fot3S3zIROJEd_J5CfZqXP8TCWXBSUpZuvg1SgHoGolUbm6w=
cZ-pJEjow0kVNqRKWKLwu_QbQLR_HLDdSiRZ3pRmHxK6itlu3aWatJleaMVk8_sQovSepPj1IHD=
BqKK32Inzp-JIPcG0jZZFoi-wC10sRqzR9TaA~~" style=3D"color: #0047d9; text-deco=
ration: none; font-size: 13px; line-height: 17px;">Is your old digital came=
ra worth =C2=A3100s=3F</a></div>=0A<div class=3D"highlights__link" style=3D=
"border-top: 1px solid #c5d1e9; padding: 9px 0; line-height: 17px; display:=
 block;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/OuKXx4i7TLK6of=
o0Qy5KKw~~/AAAHahA~/s-EJlEG3tHom05WRaL9gPHhYc4uthnPsVd-VP5SkB09pPPjhZeMFmHl=
hONaztoR--eShhi8umgzYH5F4eb-88eJdPiyUcYJDe_CZR0m8E6vCyhlJf7VmU0pKYFBQDd-hC2=
WsPAitEjQCvQqowHNLrqSQF4Ub7XHVqay34fkjY0nqMhr3WTJYk6aRbCy2mRcB4QNLVP74rFPom=
BM5tLUuBonUhhuV7d_4sgWNob8JkYnNbS1fmqV8OJKuzfLdAZQq1LmHp606I8gSjlnpVLdDbuz3=
GZj-5gIxRBFD5Qh_ylHV2sPIB9_2_tyP15cV7-G5oG67kq23PRHxISaWmtJOxohMwGOSR6rBUa1=
idmJ9w0XAlNif-U8TrbM3vvYNmUWtrJRCnhRUiIUpy435ByMv5muFULKWmneKvluQ7PgQk_HT1d=
-O0Dfn-XWZACmhw-XOiB63uZDRlmK-DaQjl2NZhA~~" style=3D"color: #0047d9; text-d=
ecoration: none; font-size: 13px; line-height: 17px;">Teacher=3F 30% off Di=
sney+, 10% off Pret &amp; more</a></div>=0A<div class=3D"highlights__link" =
style=3D"border-top: 1px solid #c5d1e9; padding: 9px 0; line-height: 17px; =
display: block;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/wtxiSt=
9aMGZCcviPu7TQ0g~~/AAAHahA~/9a1IZ4bryKwzqAbctG0dEdzoFcl2QB5mL_qGNbdukXqlGrE=
JlzbZ_Hn9ffVpbBKhUt_bQjW77BKhKgyg6lO8ZpuWTv3Uw3ODAtjTBkMWJ4K5gzH-2fiiWifTOc=
HaQZ-1VZzT3IA_DVvLE-Ma-kih68mG7dDWJCU3ojoAAV10rkGyhiQtdZhyDSUnIcg69OFfwUJec=
s_1PuPhoO4ywu2QwRVnL9TUWsRQLattGM33-onOFejlvb155jYhfFV5fC6hamCsIC20bE1tkJt0=
q5_OQu8M-PiD7h4MpY2TiMbhSkNIvqaPQa5r-j89QV-P1qVp-tG_ha0151dtZ0KBVCQwVXxcjVL=
iWMzZxJIdD__2jys4NjRh5_UbGn_rPLxGRJENxAVN8j8nbEoAmzyh8Yvmbo3R0pi3PpQqXV9Vdz=
mm14QzrGiCUn2B4pk2PJ0qTrnV" style=3D"color: #0047d9; text-decoration: none;=
 font-size: 13px; line-height: 17px;">5% off fuel at Tesco</a></div>=0A<div=
 class=3D"highlights__link" style=3D"border-top: 1px solid #c5d1e9; padding=
: 9px 0; line-height: 17px; display: block;"><a href=3D"https://clicks.mone=
ysavingexpert.com/f/a/FJkp-pry4nfRe3RBy017qg~~/AAAHahA~/dAE5rnLd2HgzNWZR3Ce=
XNuQPm-L2tO3SKad7Smiwd3nAjNXyiS7Z8bOXlqFBlsxO07rhGa07JvL96F_eQfaJUu6hdZ8fnL=
39kls-lecaTNBnY50HladfxTjzZkF_maM3Y3UCFs7vU78UMUt8mCoy4YRdl5mcTsR8Bo67jXdHI=
_51O-aO5mjDY5bjWJTq93q9QNavPRDHdBxHIvSJeX2p-Mm5gFL1PJOcyr_ocQaGfPMRFp1GB1QK=
KM7GB8fFgx5NdvMDDdc3saFzyZgkawAk0FRy3N3Gisuq6Qm1qzapEFNEnehenSUAaGtcN0frXnx=
4rlcUbx5WRwpL02W1xu7lQsaPwOgYyKrbdzeb5-eF-JxQd4zM42PaQJaa0Onh2dG7YgBA1s0lir=
a0rHkSeSYXUkwtaygOB0pciOmjBIebBhLMHIAvJ8sFTx85-KHm_zVm" style=3D"color: #00=
47d9; text-decoration: none; font-size: 13px; line-height: 17px;">New MSE r=
olling news - get <em>The Latest</em> in-app</a></div>=0A<div class=3D"high=
lights__link" style=3D"border-top: 1px solid #c5d1e9; padding: 9px 0; line-=
height: 17px; display: block;"><a href=3D"https://clicks.moneysavingexpert.=
com/f/a/xY_lurJCtynxfhnq7akuow~~/AAAHahA~/otjkczfG_dLvfnhNVepg8O76u2sbsX0S7=
mlUnCpupnTtCuRponHUFLImBaGaMSic01CGk8e9qwDeGSK-Skhbe3g6cYhR8yFLCoJJxUhhL1wb=
setzO55Z9P8Mg7BAfm5hcAXqcipUzjk9LVWcJYglE0Rq5PXNMT6AlYZcSUhqmzdDhButJKZlGqn=
Zn8ttoE6GDaEXJpHgH_BMUYUyW2f9KK8DZsxxW_3m-qPBnaA8fKsz15CXDfJ2e9FL9vPX0pxklc=
9-cEw_Hu_YTz7Exk_xKK834c0E3CzRMPOplAmMsU2AfPxoEvlYry9g5qvw2zo9GOyg7r_BUFuvq=
y3SSO5vXSl9Z5AdZKdiY0Ct_AtCPo7gas19wuyw2JejcKjreVP1XVlNUWV9L9bNtVmOXjZggDhc=
64FjzyTYJ8G0aszNtcxCFuuygRCTNsJ7RbUyYW42" style=3D"color: #0047d9; text-dec=
oration: none; font-size: 13px; line-height: 17px;">M&amp;S 'up to 50% off'=
 sale - is it any good=3F</a></div>=0A<div class=3D"highlights__link" style=
=3D"border-top: 1px solid #c5d1e9; padding: 9px 0; line-height: 17px; displ=
ay: block;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/juvYSXlKgr8=
9w-1zD6cyyQ~~/AAAHahA~/-JJWFMQRIs3zXUVMAkNYEWiaFDe4_e3uH4PgmULtp0orGhLfGaZ4=
QggpNvBFyQgyXXfcWsotRn3GEnERf_3rBtLkng-mfdDuDtKOIdi5pBEPAi6jxZWHDSHZ70Q9Y1N=
9mjkycM2pyUtjZMPtKCKveYRgIfLjyyZLSn75ue7zPXt1vB8QgMEpLJjEDxLCZ34Ize07rAjbB8=
q9rzgn-kqBhP-n_0lBC0wc1r2VhycKQKNi43ZtQhKA7GAJci4AAFfGt4L9li6KmO6okCD2nHgux=
vgtv93lL9BCZmJHsAugUg2Cfgat3ziJYkX-cuWonSO1oqULd3s7ZoN5bMtVAIXNBp78yu4p7uvT=
lZfAVthrPwckjQ3twLN0axtxThn2H4uSVkw3eVupu3XEzDOynXI4faXWskYMed4Y3MH5jvQYHc3=
nR6aLRBNv6GAplzHVzgEYkwiW7glc57dQvxW5uh1zkQ~~" style=3D"color: #0047d9; tex=
t-decoration: none; font-size: 13px; line-height: 17px;">=C2=A3150 cashback=
 on 4.7% 2yr+ savings fix</a></div>=0A<div class=3D"highlights__link" style=
=3D"border-top: 1px solid #c5d1e9; padding: 9px 0; line-height: 17px; displ=
ay: block;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/RYSlpckorVx=
JuOM8RAcS-A~~/AAAHahA~/9a1IZ4bryKwzqAbctG0dEdzoFcl2QB5mL_qGNbdukXqlGrEJlzbZ=
_Hn9ffVpbBKhUt_bQjW77BKhKgyg6lO8ZvHXch-G0mq4OmRsU5KyKfzeKx3zm4KG2WurP2bCq81=
9z01YpxtT8caJQCWk3zDOteUpbZOQ12demoaJA7ffZFbaULse5TU--JEh8eMXGAJ6rilTjKal0H=
E4JFkiV3zXtz4xa-q8dLFwbW4-IYiQT91evuV5dPU4OufuTV2Bm5rUkb0wkPzIsUvA64j5-bShf=
0oV_MiU0KxExfd18mGpSkgVPNuSe-eC11BO_AjfHFH5UqeHab8JTmuKoiGHybyB3G2xGXwkC_5-=
78QfU421rYn858wfSyDxx64R1tEzqkC0Zc23MKSwZzwQo3JvQ-6btxxH4KilZon7Pk903Udx1vh=
0k_f-JT0w79zbjWZKcPbz" style=3D"color: #0047d9; text-decoration: none; font=
-size: 13px; line-height: 17px;">Six wines &amp; six craft beers =C2=A345</=
a></div>=0A<div class=3D"highlights__link" style=3D"border-top: 1px solid #=
c5d1e9; padding: 9px 0; line-height: 17px; display: block;"><a href=3D"http=
s://clicks.moneysavingexpert.com/f/a/ojFpGYMdclpvJm-BFu0Kug~~/AAAHahA~/-JJW=
FMQRIs3zXUVMAkNYEWiaFDe4_e3uH4PgmULtp0orGhLfGaZ4QggpNvBFyQgyXXfcWsotRn3GEnE=
Rf_3rBktq-vAqfK1JQ57q0jHD_6hMs_NrEkypyG9JRSaQG3efSQ1aHOeHlkW8whC0RIO2ceHSek=
tQfRs24Tz-NsmjSGIJSJ_fIRvx6vkLomWMxRNFjOV8fI_hCYro2kxxh1mnpYUPjYOiTKNgLIsM3=
3edeoWON9ttk0vpsSWh4rVPEL3I1NMRDciioWOXeGZ_WgmK1SxhUNRWrHFXa39L1wAtUUE6aiDJ=
Eo9PxhBws815vVYLch5Sl-eoiP5qa6C-5UT94LsgsmTA5QusY5-G8qVPVi3Ww1g8u57ttnR8NWu=
BfsiIV_VNEh8WVw-MQELjBHhO29S0NZxiPQqOhggpRQD8_UmTRBkBc96Vu9yYAyYq4vHW9x4tnT=
UuvUKl2gy28rOX_w~~" style=3D"color: #0047d9; text-decoration: none; font-si=
ze: 13px; line-height: 17px;">100 days' free access to 5,000+ digital mags =
&amp; newspapers</a></div>=0A<div class=3D"highlights__link" style=3D"borde=
r-top: 1px solid #c5d1e9; padding: 9px 0; line-height: 17px; display: block=
;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/P5Tzyle1ZKA3ZczFn6iH=
Sg~~/AAAHahA~/4tDwnKfHVb3NsrSNtySx9cj8SK1sAGZOLzaNQexY_hQ4mP8YMrU9CgWUVjFR7=
DYpRJCI6VETKoo8DDJXD_may4536vVwm14XF2Pz2JrAKKxapcFLwxAD7eSFdi6RYbfkjTVlIRd9=
EV5jiG7rRwNHNW_f7IxjoEGuk4Mn-yio4uqp9mhccB8GiO1ZTuk1MlKt7w4iAu7O8PNLZSVe2VJ=
5Jr9QedRYd5nWn62T8Dvqn2CNOcfA-ILCj1072D4f4wck7ndNrOviAzmTe5vDkCrk1hUhoW_Aph=
4X1yYpuz45NF0zeEjC46dgHkJflBuXOlLZTf8Go3T80HeTJCDhE3S1VtLlg4EoNDIenzSyZnlpa=
YshUwHQ5UryI2jkD_F86m-ngvPOjzs5XcOt-MoQ6gybIiMsw69DxcgfVDPgkbPBclu7UzPKYety=
CcPrf4DhOvU2fNiClan-8HptWFoaVZv091GvKjhv009Ew61-aSh9M5k~" style=3D"color: #=
0047d9; text-decoration: none; font-size: 13px; line-height: 17px;"><em>Thi=
s week's best buys:</em> 5.8% loan, =C2=A3220 bank switch &amp; more</a></d=
iv>=0A<div class=3D"highlights__link" style=3D"border-top: 1px solid #c5d1e=
9; padding: 9px 0; line-height: 17px; display: block;"><a href=3D"https://c=
licks.moneysavingexpert.com/f/a/mYO7bX7xCSN9KzXDrpuX0Q~~/AAAHahA~/dAE5rnLd2=
HgzNWZR3CeXNuQPm-L2tO3SKad7Smiwd3nAjNXyiS7Z8bOXlqFBlsxO07rhGa07JvL96F_eQfaJ=
UnXtsaqSaYEib-o_Ith5liCTWPpCXty7SwtECLkqKVy22d5BwgpFmytT31VWYEjrWPcErekQYSH=
JlD_K7YYog5kgwU-_CXa2tEFhCbFvLO8KM9kIUkMRyHlDpSgFgcO3HGcuJ82RR1pcJV1wj-u_dr=
y2DRbIanev0Ig8F2FZTb_J8eNNU8AQ_20rNFSxxDCbvI_5oGkkKa3R_OFL56tGp6cy-PfTkasii=
Q_S21voryEYC5D_QKpS2JyHWWUOyz4Ox45iwPoGYZ46CTm0EibNL_I5icw6KGz0OKQ76w2hUTiq=
mYeXXC6ZKGKgAjSGlz0HJt4Bq7G_yGlfRdNfSnCvtEv-YBXtjds8CnGLqPsQXSgX" style=3D"=
color: #0047d9; text-decoration: none; font-size: 13px; line-height: 17px;"=
><em>Money Moral Dilemma:</em> Should we top up our child's JISA=3F</a></di=
v>=0A</div>=0A<br></td>=0A</tr>=0A</tbody>=0A</table>=0A</div>=0A</td>=0A</=
tr>=0A<tr>=0A<td class=3D"full-width" style=3D"width: 100%; min-width: 100%=
; margin: 0; padding: 0; vertical-align: top;" width=3D"100%" valign=3D"top=
">=0A<div class=3D"empty-gap" style=3D"height: 10px;">&nbsp;</div>=0A<table=
 class=3D"table--white nt-hiya" cellspacing=3D"17" cellpadding=3D"0" role=
=3D"presentation" style=3D"border-spacing: 0; border-collapse: separate; ms=
o-table-lspace: 0pt; mso-table-rspace: 0pt; margin: 0 auto; width: 100%; ba=
ckground-color: #fff; border: 1px solid #dee4ef; padding: 17px 13px 0;" wid=
th=3D"100%" bgcolor=3D"#fff">=0A<tbody>=0A<tr>=0A<td style=3D"padding: 0; v=
ertical-align: top; font-size: 13px; line-height: 22px;" valign=3D"top">=0A=
<div id=3D"hiya">=0A<p class=3D"section__title text--center" style=3D"margi=
n: 0 0 15px; text-align: center; color: #273157; margin-top: 0; margin-bott=
om: 8px; font-family: museo_slab700,Helvetica,Arial,sans-serif; font-size: =
24px; font-weight: 700; line-height: 30px;"><a href=3D"https://clicks.money=
savingexpert.com/f/a/gte9mtSGPnONgKBkyilUyA~~/AAAHahA~/-JJWFMQRIs3zXUVMAkNY=
EWiaFDe4_e3uH4PgmULtp0rdNOvPIS-V5VW6GBN68BF1whaFtbByKLXFKTd1UAS6rOgm6-0Mi8J=
lkKSpt33yAwdQ4UOO0dZZlx_Mr8xvwPZxk_vo3gq0yI6L9t7zcY61BFhGdPj4mVFcsq_U81GkBJ=
gctwxc3BeNtV5OOR95UV6frzqJnTqBS_3Kl16Trxf_M2sUwSZypDJstR_XPQmS37muPW8AWkKgK=
v4P9f6M2mZmIfIpn7EeKoNYMjAWA-EgT0BrCp-S55TNd2GXDaoxpeZDlHZ_jKXeX1km2mV1FA4V=
szaju0qKc35u-CabjZiJdpgKoH1CWSO_OUikMU8IiTgRao7u33jABaaXvA9uURSbF_fYOfMmDx8=
oAPs9fIqSMaqO4LSPD734U8Rm0wL0A26-m3IzM0oMNgf_ReXkaSrUCN543V3elx1Lz44KExSTPQ=
~~" title=3D"http://eligibility/" data-outlook-id=3D"1c8d6919-0b5c-4ca7-ab4=
e-af3afe72922d" name=3D"hiya" id=3D"hiya" style=3D"font-size: inherit; line=
-height: inherit; color: #0047d9; text-decoration: none;"><span style=3D"co=
lor:rgb(198, 32, 53)">Ends Mon.</span> Top long 0% balance transfer card gi=
ves you interest-free debt till 2029, plus =C2=A325 cashback</a></p>=0A<p c=
lass=3D"section__subtitle" style=3D"margin: 0 0 15px; color: #273157; margi=
n-bottom: 16px; font-size: 16px; font-weight: 700; line-height: 24px; displ=
ay: block; text-align: center;"><a href=3D"https://clicks.moneysavingexpert=
.com/f/a/ks2X3266mPWrGyvI04WPuA~~/AAAHahA~/-JJWFMQRIs3zXUVMAkNYEWiaFDe4_e3=
uH4PgmULtp0rdNOvPIS-V5VW6GBN68BF1whaFtbByKLXFKTd1UAS6rOgm6-0Mi8JlkKSpt33yAw=
fdoGJHXDfy5Z1O_wqpIVqf5sBN3qr2mSGfyxMfyXQaYVyzMV7at_wo3Doh_Ze2KhtfGkOveCsR5=
X8oHkAYVgtZmWH3xsk6ZhxBTNxylmIFuyXdtEZereMLnNMRXnmFov9kQ_rXru_erLV5ayJwkxZL=
HfsDDEIntuv3vLH90wNMMhGp3tZy61BwNO2IyqcEW-YbbO0ooVqqxo-pc2nx4VG1Gxk_O54pc3-=
4Roy6USkC7hCXVqY_TlXh9TaXpFerACpGGpRsY-D6zC10-MA1VjkFz9_yChUi4DMIA5X9eCIwG4=
g1Zl_zO4Gmw64PG8J0yoehLoUwAErtD1TTP-maLbBw-TsaVJTEmVjqR61X3rMPwA~~" data-el=
igibilitytype=3D"" data-eligibilityurl=3D"" style=3D"font-size: inherit; li=
ne-height: inherit; color: #0047d9; text-decoration: none;"><span style=3D"=
color:rgb(39, 49, 87)">Can't afford to clear debt in full=3F Then you can't=
 afford not to check if you can shift it to 0%</span></a></p>=0A<p style=3D=
"margin: 0 0 15px; font-size: 13px; line-height: 22px;">Right now, there ar=
e three credit cards offering a definite 36 months interest-free for debt s=
hifted to them <span style=3D"background-color:initial;color:inherit;font-s=
ize:inherit">- so all accepted customers get the full 0% period</span><span=
 style=3D"background-color:initial;color:inherit">. Plus HSBC will even pay=
 you =C2=A325 to sweeten the deal, which could lessen - or even eliminate -=
 the transfer fee... but that's ending soon.&nbsp;</span><span style=3D"bac=
kground-color:rgba(0, 0, 0, 0);color:inherit">There are also a number of de=
cent</span> <a href=3D"https://clicks.moneysavingexpert.com/f/a/gufYfQs81vX=
2BF8GrNyeYA~~/AAAHahA~/fT7lCMxbqMOKQRfpJj4-P0Onl-djfIq-cuLU3ekJDK1ZJA6LGh5w=
kJpcg8RVi3fnGvnch5cCI07kSW3vK2cbbGo3-jgyep3Aj_G4HY5hhfuhq8gGd094nDxeHvzFUQv=
zCySxBriShn-hEsNW1Ah9MVYpQoaGIVUMDxRPu7FLxL3u8xNaa1wH0c2ZPPFmliS4Y_5jaLoJ3i=
-n2CezLjLoYwZzYPAh_HWhFFxeVgwtz71OQfkRH9f7b5vFDw4o1GjUedwRZPJlN1f8VQ7G9DbtS=
Q-MoSQCZfoY56AzXBomdvR3gG6Z67KemU9JJdDZd1sonHyjFnV187VWi6PQYjhPE8FPcih-vZJl=
aVEspWi00IXW14Hyr7nWuxQyvu0f8SwHGfOio9X9HVBPgtYVhCQXBxdWtqXC-SepXPdIggi71ES=
s1ch8QmxTfsBywHaONoENhWM8Dz02uYpMLrL4NZYDyg~~" style=3D"color: #0047d9; fon=
t-size: inherit; line-height: inherit; text-decoration: none;">options for =
poorer credit scorers</a>. So if you're paying interest on credit card debt=
, it's <span style=3D"background-color:rgba(0, 0, 0, 0);color:inherit">a pe=
rfect time to check what you can get...</span></p>=0A<p style=3D"margin: 0 =
0 15px; font-size: 13px; line-height: 22px;"><strong>What's a 0% balance tr=
ansfer=3F</strong> It's where you get a new credit card that pays off debt =
on your existing cards, so you owe it instead, but interest-free. This mean=
s your repayments reduce the actual debt, rather than just cover the intere=
st - getting you debt-free quicker (just don't borrow more). Three key tips=
 before we start...</p>=0A<ul style=3D"margin: 0 0 15px 20px; padding-left:=
 0; list-style: outside;">=0A<li style=3D"font-size: inherit; padding-left:=
 5px; line-height: 22px;"><strong>Avoid rejections using an eligibility che=
cker.&nbsp;</strong>Our <a href=3D"https://clicks.moneysavingexpert.com/f/a=
/IAV3L0oRLtII7ahJSbF5IQ~~/AAAHahA~/lfdLmfEOAKRutZDGqJZxWJchX9S8VpnHP5_vxIH7=
LsDfNZJN9fX6bJqu18H3OlFKiBfW9DNI52rfr17tiohVZ2ln4d8eWI-Bmf9Xx7yQ-q4afkRXX6D=
YtWPjJUtgkK_Y3fkJ9Ihp3oUkCT44dn5t_3y3aBo6AlC-PL52jbERlFtLsmo15Rx5BTleOGT3wK=
tvmFjf2r_1uTdzjuN-VNVyjX1DQvWmb9QoLdjaqplCBMfw1VrRSFRzu6-4ZDD17cqkUk0JbrUgO=
iZOxgxD8lDSjhKZz_TNMoXyOiH6LpVRD0_lp3GSWnFrIBIuVLmDQo8ABcwMeRhewxs7bBC4VPDS=
8drO0BYwrSEjdZmzgGIauK0n3zrJuDQPPvIFrvplsBgp6zZlXfxSyacQXBAF4pZE-IlsJUXEvg8=
yT-zn83JEmXSXJsQtzOwRJRfydNh16vLXfaZE5PTM62HctojJrQTyIA~~" target=3D"_blank=
" rel=3D"noopener noreferrer" data-tip=3D"msetip~bignote-one~4" style=3D"co=
lor: #0047d9; font-size: inherit; line-height: inherit; text-decoration: no=
ne;">Eligibility Calculator</a> shows your odds of getting each card, so yo=
u can hone in and apply (via the calc) for the one likeliest to accept you,=
 minimising 'applications' on your credit file.</li>=0A<li style=3D"font-si=
ze: inherit; padding-left: 5px; line-height: 22px;"><strong>Go for the lowe=
st-fee card with a 0% long enough to clear your debt.</strong> The longer t=
he 0% the bigger the one-off fee (eg, 3% =3D =C2=A330 per =C2=A31,000 of de=
bt shifted), so shorter 0% cards are cheaper. <em>Unsure=3F</em> Play safe =
&amp; go long.</li>=0A<li style=3D"font-size: inherit; padding-left: 5px; l=
ine-height: 22px;"><span style=3D"font-weight:700">Usually rejected when yo=
u apply=3F&nbsp;</span><a href=3D"https://clicks.moneysavingexpert.com/f/a/=
I-2pFzglqJIfEBlDslQQxQ~~/AAAHahA~/xoUGRdYpPH8l5MPWoFjJV-15nLynlz7-uYgTMQNRL=
7mWuCEJcoCor0YILkOZ4k5kBxGpc5iTkaHjWOByb9_ExiRQAvRod0IpqkhevqkqE0dPS_khhAqK=
whyD7rw8A697YhbBjjWCDfolDBYRfpwvs7a_e08hkT2HnZpdsHCjkbzJF4zen41OS6liVLX6Rvc=
jKRtzLmAbw_lH7GWyjZey_FWTKyzagGoI8MXaemsFm8Fm_t6W-nAM3LFKvIv-RL_3qWlVZKYPrk=
AJfV4kf_bj4CisySwV0_KX4sTrDownNddQOyPsIijxfoFLveeqIL2ptwMQZ4xQONV6U_GnVW7hL=
c-7jGGom-0gNRAyTe8j12xNNartpp4oOmtCBuF89FapKHgOjpZJLjKqCprSqO5WmoxzLbd1zC6V=
GmoA9P_80wU~" target=3D"_blank" rel=3D"noopener noreferrer" data-tip=3D"mse=
tip~bignote-one~5" style=3D"color: #0047d9; font-size: inherit; line-height=
: inherit; text-decoration: none;">MSE's free Credit Club</a> (available vi=
a the MSE App on <a href=3D"https://clicks.moneysavingexpert.com/f/a/dbsRyj=
VNZATmcRusQKd_Qg~~/AAAHahA~/4db6rJ25xTANWCQFYLI-hDy3pF5vptBlmLzkWW8CVxJ0TaX=
2a1Z2HaCXXaxqqz9UKgIze2WKadE1WVn_SUpBIF8kQF1H1HzEqCfDS68uYaQVsghON-2aRLomLn=
IU7ikJD2Lo2d4iFQplqdk4R8dWcht6gl2m0D07OdLvJhkXZzh1mkL2nKIDH_TUaK1U7HfI" tar=
get=3D"_blank" rel=3D"noopener noreferrer" data-tip=3D"msetip~bignote-one~6=
" style=3D"color: #0047d9; font-size: inherit; line-height: inherit; text-d=
ecoration: none;">Apple</a> | <a href=3D"https://clicks.moneysavingexpert.c=
om/f/a/YKilLvnd6NYOgqBQMJ320A~~/AAAHahA~/4db6rJ25xTANWCQFYLI-hPi1_gGhm8Tw4m=
8Mhjons7XG6JwByPMn9zbmgJYJuXGMG4SS0pXdijDGpzDUWMxCIo7XrRZr_ggcZ0fSpw8J3seom=
WHwS2BmOsGhynKslaktoiKyLWH6zkX2DtedSUJqew_nWFkxX-mSAt0BU-wD10L5sSqp-yJG9k8d=
pP9ZlRbj" target=3D"_blank" rel=3D"noopener noreferrer" data-tip=3D"msetip~=
bignote-one~7" style=3D"color: #0047d9; font-size: inherit; line-height: in=
herit; text-decoration: none;">Android</a>) can analyse the problem. Plus y=
ou can also access our <a href=3D"https://clicks.moneysavingexpert.com/f/a/=
SyQA7gdhZWvkt-LHFZFXKA~~/AAAHahA~/s-EJlEG3tHom05WRaL9gPFeEpzJK0qj0WADC88IQO=
NGpon4pldMEWGFaO_Hs2T6O3tJJLgFYJcxuQ_a2CuP01pOMu8itP8QjFtgarF4I_TOMDVozJZXw=
SC1wbQfMrxF6Tbe6r2I2m3DbK0jSHhBKhDxZV3omsswUNKAlP17eNc2z6rTeqhJi8CIzLDzr1lF=
fX4jEXfIeP9DAaJpIwOW6OLngP1LA5eGnvi_OLehzOF8W_0I96iIpSmNl651ieHfvBtzssxmhZH=
IugyURYJ4axAy-RdDIaFvlQVDEO-YygfAlQ17usHZbrwTxFGoEwmBTGENlbqBYjwT-ZRhVwlgHZ=
C7fSUAnsnJyIayIkTbxbc8CYnwRr0ZRUjsGWCUkX_MG21WKIpS32QyfBztOK9HvV03UR9w9COx3=
6lZH41UTIA7JRbC1lCuqL5iyP87esEYrOd4IUP5OYzGhGDF7LVZTjw~~" target=3D"_blank"=
 rel=3D"noopener noreferrer" data-tip=3D"msetip~bignote-one~8" style=3D"col=
or: #0047d9; font-size: inherit; line-height: inherit; text-decoration: non=
e;">eligibility calc</a> there too.</li>=0A</ul>=0A<table class=3D"table--b=
ordered" style=3D"border-spacing: 0; mso-table-lspace: 0pt; mso-table-rspac=
e: 0pt; border: 0; padding: 0; margin: 0 auto; border-collapse: collapse; b=
order-top: 1px solid #e5e5e5; width: 100%; margin-left: calc(0%);" width=3D=
"100%">=0A<thead>=0A<tr>=0A<th style=3D"text-align: left; font-weight: 400;=
 vertical-align: top; line-height: 22px; border: 1px solid #dee4ef; border-=
top: 0; padding: 8px; font-size: 12px; width: 100%; background-color: rgb(4=
0, 50, 78);" width=3D"100%" bgcolor=3D"rgb(40, 50, 78)" align=3D"left" vali=
gn=3D"top">=0A<div style=3D"text-align:center"><span style=3D"text-align:ce=
nter;font-size:17px"><span style=3D"font-weight:700"><span id=3D"top"><span=
 style=3D"color:rgb(255, 255, 255)">Top 0% new customer</span></span> <span=
 style=3D"font-weight:700"><span style=3D"color:rgb(255, 218, 44)">balance =
transfer</span> <span style=3D"color:rgb(255, 255, 255)">deals</span></span=
></span><span style=3D"font-size:12px"><br></span><span style=3D"text-align=
:center;font-size:12px;color:rgb(255, 255, 255)">Links via our</span> <span=
 style=3D"font-size:12px"><a href=3D"https://clicks.moneysavingexpert.com/f=
/a/kl2vFnA5ocICyPEbhueEAw~~/AAAHahA~/lfdLmfEOAKRutZDGqJZxWJchX9S8VpnHP5_vxI=
H7LsDfNZJN9fX6bJqu18H3OlFKiBfW9DNI52rfr17tiohVZ2ln4d8eWI-Bmf9Xx7yQ-q7bZHFV6=
wjQ2gFlXdnRFq1rkebrmdrhnMzYUDpXBR407DawvAQXhQgU2SE7eLnCK7j3iyPV2asnUrsL-4zQ=
wCAgtNIQJfSJlqTnnDE99DWBK3l_ewpAzqCjIXSek-8rPo9cNuh3QPJZLuwgeOenvPGqN4DJD77=
KcuddAWQJ9s04aCGgz46bXb7K8L0lP1R3H_QAf4XqlxFgPinPujXxWxR3G98AFF02lQDTi8N-9b=
dTo-05bVIgu9BCZeYMtlmrXZO55DmsEn3dpbjDw6uAMsozu6YF3uaY5LeG2LnYlOa2aijUqT9Qv=
qbHpe-Zfv3TArbXy50ZoPf83Wws9CJn8vDAYhunnJew7R663GV2X0dVGg~~" target=3D"_bla=
nk" rel=3D"noopener noreferrer" data-tip=3D"msetip~bignote-two~9" style=3D"=
color: #0047d9; font-size: inherit; line-height: inherit; text-decoration: =
none;"><span style=3D"color:rgb(255, 218, 44)"><u><strong>eligibility calc<=
/strong></u></span></a></span> <span style=3D"text-align:center;font-size:1=
2px;color:rgb(255, 255, 255)">to see if you'll be accepted (except TSB)</sp=
an></span></div>=0A</th>=0A</tr>=0A</thead>=0A<tbody>=0A<tr>=0A<td style=3D=
"vertical-align: top; line-height: 22px; border: 1px solid #dee4ef; border-=
top: 0; padding: 8px; font-size: 12px; width: 100%; text-align: center; bac=
kground-color: rgb(44, 130, 201);" width=3D"100%" align=3D"center" bgcolor=
=3D"rgb(44, 130, 201)" valign=3D"top">=0A<div style=3D"text-align:center"><=
span style=3D"font-size:14px"><strong id=3D"isPasted"><span style=3D"color:=
rgb(255, 255, 255)">DEFINITE long 0% cards.</span></strong> <span style=3D"=
color:rgb(255, 255, 255)">So ALL <em>accepted&nbsp;</em>get the full 0% len=
gth.</span></span><span style=3D"font-size:13px"><br></span></div>=0A</td>=
=0A</tr>=0A<tr>=0A<td style=3D"vertical-align: top; line-height: 22px; bord=
er: 1px solid #dee4ef; border-top: 0; padding: 8px; font-size: 12px; width:=
 100%; text-align: center; background-color: rgb(255, 255, 255);" width=3D"=
100%" align=3D"center" bgcolor=3D"rgb(255, 255, 255)" valign=3D"top">=0A<di=
v style=3D"text-align:left"><span style=3D"color:rgb(198, 32, 53);font-size=
:13px">Ends Mon.&nbsp;</span><span style=3D"font-size:13px"><a href=3D"http=
s://clicks.moneysavingexpert.com/f/a/DzImXVFbxMbfmxcyKmSG4w~~/AAAHahA~/KFWl=
76FrijweURzGogTIu2Z-rbyX-TYbZCoxtkMlCdfHqYx1rkJZhWhhoHf33T7__3b-JS6WimuIUXM=
wunSIDRDtyH6VzvIeFDM-nn2Go1K1RIV_d8bmbHUeYd9ZuMksumAWI2Pt6jY_-ALF-GrJvEHYQS=
4X5GdIKPvRs1hiItwVm_LknNt3Huk8qhg2D1OACXrkwj6Rbm5DQ6ZiXIExjNBoymJbQha5RrxAm=
l80dIgSSCQ835UFhZNpawIFkQMsMaEvbxwW0SJncsbcpZv5IpqjICPZcir7Z3XJvHDXd8AyUPbK=
C2QFx8qATjnfCVqP9rlQgRVPUUOFXKH6My077grzu_JoqGCKKuX3j506TBrUj5hQaEXtEKh22sn=
oPSluoOj4-73hpFRocBrNivCnekO8lVXaTCU5N0ny3kv_a-NvzHWoN0_lfIVn3nZ_a_L8Djcr20=
yMpEBMctfCU0NSalFd2LoBOXIjjT0rd1rFHUkMxTsxN2vU4ql7hLZXcEBZF-gpoBmYO3MV-eJ7f=
2NzTxKLt3p2THa3vSwwJ-TzkA8~" data-eligibilitytype=3D"" data-eligibilityurl=
=3D"" style=3D"color: #0047d9; font-size: inherit; line-height: inherit; te=
xt-decoration: none;"><strong><u>HSBC</u></strong></a> <strong>36mths 0% (3=
.09% fee) + possible =C2=A325 cashback.</strong> <em>24.9% rep APR after 0=
% ends</em></span><span style=3D"color:inherit;font-size:13px"><em>.&nbsp;<=
/em></span><span style=3D"font-size:13px">Apply by Mon 10 Aug & then transf=
er =C2=A3500+ within 60 days to get =C2=A325 cashback (paid within 90 days)=
.&nbsp;</span><i id=3D"isPasted" style=3D"color:inherit;font-size:13px">Ex=
isting HSBC customer=3F&nbsp;</i><a href=3D"https://clicks.moneysavingexper=
t.com/f/a/hqZod53tBZ1Gr3wY1ZmZmA~~/AAAHahA~/CI2Miha2yIFPsgVeyyOBQL-RvFW9Zzn=
OZ6gxAsF1H9elNKb1uGEnsFR3q-5ibpnhEinfQ98NQtpVD8HRZVuVhdKb18hJBDI87frf2QqQMe=
u5tTsOeZelSj_52Gs2oOjQ403axyEn3JYzZNbFsTrEO9LkC6N0GowFWET8H0EBrGzHcUtkNKwdY=
yMAglnt99v_MOrQHAYjlQiOYfQkgqKS6XYqP8XaHKNWXNIYZUUdTTYW_m6x-eFnxONkjUJz8tRd=
QNntUT72KIUvFWUNoanDsixLrU1SrTECNHR8YzNfBJb0s274JkJ8R1i_EPTRYa9xUXoIYvdoGzJ=
x80MjVrOGj0ZJMd-IicZpWxfTSa_dboLlQiYCpd7taiqFUazMLY6J9xT9nfPubomJQnLhpk_T2v=
u9E9vsZ7il7RzKXtTF6EzWgFYNemBsqSRU-N2OENdNcBInZndHMiSbFejQVcHo_-lf-zxEpCt4t=
8MBWYnE7vBifr4Al7pbl4_3B-o4GzL6Gf985Hs0iKvL6yZegfaiHC41zpBmLdCLETNxzoP2I70~=
" rel=3D"" target=3D"" style=3D"color: #0047d9; line-height: inherit; text-=
decoration: none; font-size: 13px;">Use this=0Alink</a><span style=3D"color=
:inherit;font-size:13px">.</span></div>=0A</td>=0A</tr>=0A<tr>=0A<td style=
=3D"vertical-align: top; line-height: 22px; border: 1px solid #dee4ef; bord=
er-top: 0; padding: 8px; font-size: 12px; width: 100%; text-align: center; =
background-color: rgb(255, 255, 255);" width=3D"100%" align=3D"center" bgco=
lor=3D"rgb(255, 255, 255)" valign=3D"top">=0A<p style=3D"margin: 0 0 15px; =
font-size: 13px; line-height: 22px; text-align: left;"><a href=3D"https://c=
licks.moneysavingexpert.com/f/a/aiN0DLVCtBiLcCPXj4W8zA~~/AAAHahA~/sVAavdx1-=
uIG3jd-gohG1hNIPYF8Qi0bithI9vexGtKbjGTSPwiQXNmX8s-ClzzkpHmnEo3_Kkt1bmxDmJCW=
Z5nh5NOnFYLncTbnyzu_tC-nmhtqk_vIRAPaQdlKw8JS73tyNnGe_AmSRFozbSanLe4UaV2GMLU=
qn6wnUyepRvx1glB5s6pFy_G3mckAwFW0kLm31i99zpA_Y0XF4DIV3AR2U5DON1R3wAqAx3nYdI=
6_laWumShtzkMRPurKw0huOQFnLlDBftguIN39pYGeHEZKBoZtYA-P8sMMj5Dqdsa82FnO4E4p1=
sqbLWB_bwC-xVUrluL9x17-Zwoj64Omx4K-8Wjs7aHU_Vh58WIvOln9w6ZxYsb1cByN98YYHJ3c=
WfWBvsiJYXHyPgt9G5MDzLep9EAAD2I6njksoWwtceoEf7BiqXR0YnNaOBXzPHXksssN4gg2DtB=
7ICRizgum09KsvWJDp8IbBezDBT49yUaGjpCS7fvvt4bon9Kz6_PKK57HpWj_Qh2E-oqYpui_Ww=
~~" data-eligibilitytype=3D"" data-eligibilityurl=3D"" target=3D"_blank" re=
l=3D"noopener noreferrer" style=3D"font-size: inherit; line-height: inherit=
; text-decoration: none; color: rgb(0, 100, 218);"><span style=3D"font-weig=
ht:700"><u>Virgin Money</u></span></a> <span style=3D"font-weight:700">36mt=
hs 0% (3.1% fee)&nbsp;</span><em>24.9% rep APR after.</em></p>=0A</td>=0A</=
tr>=0A<tr>=0A<td style=3D"vertical-align: top; line-height: 22px; border: 1=
px solid #dee4ef; border-top: 0; padding: 8px; font-size: 12px; width: 100%=
; text-align: center; background-color: rgb(255, 255, 255);" width=3D"100%"=
 align=3D"center" bgcolor=3D"rgb(255, 255, 255)" valign=3D"top">=0A<p style=
=3D"margin: 0 0 15px; font-size: 13px; line-height: 22px; text-align: left;=
"><span style=3D"font-weight:700"><a href=3D"https://clicks.moneysavingexpe=
rt.com/f/a/mxGTr1PGfECou3tBzMazAA~~/AAAHahA~/uMBMyqQYlZOd6J5ky-vABevyeLW-1M=
jatzNt93Zlujc5a99UlgTDoWV5gHwG23tCqIz_63ApOqz2Y9JgfgXMHVy_0LudEqX6VJOFfbk9t=
4pSFITMvnjSxfqayCJRr52bdCozAsthp8YEGrHNc73LTrMv3W3jRCY_j3WbZFGFoi_AJWnBHab2=
6WMyw3ZPMMAlAAaC3R1IADkS-hS9PDGZHi8UzRXYWHTAkG_7FFuy_JTHilOQ06Nj3ghC9_FWKGu=
aj-OiOkiiYsQccR25ygZ-LHVBlId8IVs6D1JAc9VT60mS5DJnPdeJaQO1wQ8qA0B4WIjqGeDSg_=
P__8cm_qKY9WX0cPXelI3Hrwfft8XCTFjKqTbnFFUxF4CXKIMylPJqzaWMJ6q1PKHkSQqJizW4s=
YxjVTxxG-FEWEt25EAu29jkTwfIaUyiBx1DE8EzMbzRPR01cJkr3_u4k0tGxtfUzrtc5QRiJNmD=
_aAoADyiV_rx0d5SDZfH5b_kwQs8Ffl_JaGE2-JgIp3EBmvvYzMSfHP4fKK26ISuqUDBsrLtlow=
~" target=3D"_blank" rel=3D"noopener noreferrer" style=3D"color: #0047d9; l=
ine-height: inherit; text-decoration: none; font-size: 13px; font-weight: 4=
00;"><span style=3D"font-weight:700"><u>Tesco Bank</u></span></a> 36mths 0%=
 (3.45% fee).</span> <em>24.9% rep APR after.</em></p>=0A</td>=0A</tr>=0A<t=
r>=0A<td style=3D"vertical-align: top; line-height: 22px; border: 1px solid=
 #dee4ef; border-top: 0; padding: 8px; font-size: 12px; width: 100%; text-a=
lign: center; background-color: rgb(44, 130, 201);" width=3D"100%" align=3D=
"center" bgcolor=3D"rgb(44, 130, 201)" valign=3D"top">=0A<div><span style=
=3D"font-weight:700"><span style=3D"font-size:14px;color:rgb(255, 255, 255)=
">LONGER 0% card, but this is an 'up to' deal</span><span style=3D"color:rg=
b(255, 255, 255)"><strong id=3D"isPasted"><span style=3D"font-size:14px">.&=
nbsp;</span></strong></span></span><span style=3D"color:rgb(255, 255, 255)"=
>Here some accepted customers get a shorter 'backup' 0% deal.</span></div>=
=0A</td>=0A</tr>=0A<tr>=0A<td style=3D"vertical-align: top; line-height: 22=
px; border: 1px solid #dee4ef; border-top: 0; padding: 8px; font-size: 12px=
;" valign=3D"top">=0A<p style=3D"margin: 0 0 15px; font-size: 13px; line-he=
ight: 22px;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/cjpdcm4PIK=
mUnubHFMFa6g~~/AAAHahA~/xS6o9uZjeaOjQR3pVkO-vQikQEbJfimPfYO4cq9w1rG22Xm5WTu=
uU0XeAWGCmcRGpl6mDVvcSewI2_fke_njII5gcn8hDmmk00KKc7a-Do3WCgamoHscnco9DVNUBi=
F1T9HdHAjHGXVL9nv6nEvQVX-arQqNQ69LmVRf0xbfDlLld7YPcsytpFVAK9KXQMp9nqToFygNR=
xlEVFmCUC3o7q1keNFUuMCkYczPrdUvuuWUo0SYdRklbHsGyoC87n1LAYoIxfbZyDbTqYZnmD01=
6hA8Ttt_gGArTH_-yc6qIg7CUrqNDwMc-EkLJX3iJMqZT4q7LN6dpXT46wL5Vi9QaQ2bQqQFYuB=
MfavcIKJ_UoLxd3lzsu7Axtp_8LaWvaM3VvqNwQwjTL8mcgeORvJiwyw7xpgeVahSrFTs1NFHUu=
g~" target=3D"_blank" rel=3D"noopener noreferrer" style=3D"color: #0047d9; =
line-height: inherit; text-decoration: none; font-size: 13px;"><u><span sty=
le=3D"font-weight:700;font-size:13px">TSB</span></u></a><span style=3D"font=
-weight:700;font-size:13px">&nbsp;'up to' 38mths 0% (3.49% fee).</span><spa=
n style=3D"font-size:13px">&nbsp;<em>24.9% rep APR after.</em><em style=3D"=
color:inherit;background-color:rgba(0, 0, 0, 0);font-size:12px">&nbsp;</em>=
</span><span style=3D"color:inherit;background-color:rgba(0, 0, 0, 0);font-=
size:13px">Some accepted will get 35mths or 32mths 0%, with higher rep APRs=
 after too, at 28.9% and 30.9%. It's not available via our eligibility calc=
 so the link goes direct to TSB.</span></p>=0A</td>=0A</tr>=0A<tr>=0A<td st=
yle=3D"vertical-align: top; line-height: 22px; border: 1px solid #dee4ef; b=
order-top: 0; padding: 8px; font-size: 12px; width: 100%; text-align: cente=
r; background-color: rgb(44, 130, 201);" width=3D"100%" align=3D"center" bg=
color=3D"rgb(44, 130, 201)" valign=3D"top">=0A<div style=3D"text-align:cent=
er"><span style=3D"font-weight:700"><span style=3D"font-size:14px;color:rgb=
(255, 255, 255)">Top NO FEE 0% balance transfers</span><span style=3D"color=
:rgb(255, 255, 255)"><strong id=3D"isPasted"><span style=3D"font-size:14px"=
>.&nbsp;</span></strong></span></span><span style=3D"color:rgb(255, 255, 25=
5)">Winners for those who can repay far more quickly</span></div>=0A</td>=
=0A</tr>=0A<tr>=0A<td style=3D"vertical-align: top; line-height: 22px; bord=
er: 1px solid #dee4ef; border-top: 0; padding: 8px; font-size: 12px; width:=
 100%;" width=3D"100%" valign=3D"top">=0A<p style=3D"margin: 0 0 15px; font=
-size: 13px; line-height: 22px;"><a href=3D"https://clicks.moneysavingexper=
t.com/f/a/PYdmZT2hlNnT9E_W_pGp5g~~/AAAHahA~/NiQ2F0byFxVhebOEaIcKXSNjjRt9-mO=
PAQDwZahd74SEtAFy3tAwuCH8YhYKjMctmC4xgcd_VuEgScm4_OU7fKaIzcJKowCwNR-6hVMjKf=
s9Xt_A_8vWF2nlz0UjsRvpX095yamGyALSwKoOrO9a0O6JClxg6lEuC41wC4qo1p4VWZMPDIBkw=
MaObi-jysDgiD9luIBFHqhMWM1RvyiCpEYFzgsKItkggyFCq2ydhAj61S3Advd_XL9aIMd_srgc=
32tvNGrVCUBoprzO6ViTcPjhdUqgd0Ny4aN3CO9Lpa4SElI3LnEbsZTHwAUrYa15-SW_r9I93iw=
Ob_b6KaUo8iSn2rFqfyGLQ4JwPIeSf8YZWyqjjJRczZHSsnEqA2faT0f3oHHYoZRPHjGuS3z72W=
pvOwDglvfssKzaKcf8rVtSRXuGqwhiBCHuO5MMvTioPeBlqUPX4uzMCcrXqU3DD-5OHgjroPfV3=
hV9X9SAbS_ARlD0IF5MHmVS4XgyTvEpjHuWD-0Q6jsP3u4wdTCYGmo56YyfNqtYp-t0JVCIh_Q~=
" style=3D"color: #0047d9; font-size: inherit; line-height: inherit; text-d=
ecoration: none;"><u><span style=3D"font-weight:700">Virgin Money</span></u=
><span style=3D"font-weight:700">&nbsp;</span></a><span style=3D"font-weigh=
t:700">definite 12mths 0% <span style=3D"color:rgb(145, 28, 87)">NO FEE</sp=
an>.</span> <em>24.9% rep APR after.</em></p>=0A</td>=0A</tr>=0A<tr>=0A<td =
style=3D"vertical-align: top; line-height: 22px; border: 1px solid #dee4ef;=
 border-top: 0; padding: 8px; font-size: 12px; width: 100%;" width=3D"100%"=
 valign=3D"top">=0A<p style=3D"margin: 0 0 15px; font-size: 13px; line-heig=
ht: 22px;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/VW7RVSojYpP2=
ioRLY_XMTw~~/AAAHahA~/zSFFWTo0Cu4BFBmjE6H5hgf4wRoI3RbyJBuU1cprapEICzss4SMnY=
6JrV9tEgBJR_ijlffiEsXP25bncXfe6aEZ1Z138Blv9xYZC6KOtS1dCDRr3afTgACDofFiG4hw1=
1Fsg8HxSuS0aWNzSU7yMmPCNSn3xHMcmNs6KbqDncYO55ZpScaIUodI4YMWRcuj1wdkuS5T7zAP=
uMpTUZhAP7R1wnR3kr1_ZCaDXiYr7TPO1j4tiGGYw3Fb2LIMED0nY0oTW66fjdMvdR-kjQE8gYz=
JEgYwMm685gNnHYw-WtzkBCbT1x69B6DZJ3Fyk3zPFaes3MOWFpznzR32-4cpAY32cEUITqaiSN=
tapi8scJu4umwLPz5-jPb8x0vFdMWttU5lONrind1zIBcGh_MMrfQf0n7DZr-7hkAgxlnf7Z144=
DS6_uVM4MbM20e8sCa5cHJaODw0sIbCXwFtY5pTVRNy8c5m-e-J0QMcd4DllOGb9SJjz8bXZrbK=
cYPDl1J4WijFJTtSQyvWgkFX4qM4hwg~~" style=3D"color: #0047d9; font-size: inhe=
rit; line-height: inherit; text-decoration: none;"><u><span style=3D"font-w=
eight:700;font-size:13px">Barclaycard</span></u></a> <span style=3D"font-we=
ight:700"><span style=3D"font-size:13px">'up to' 12mths 0%</span> <span sty=
le=3D"color:rgb(145, 28, 87);font-size:13px">NO FEE</span><span style=3D"fo=
nt-size:13px">.</span></span> <span style=3D"font-size:13px"><em>24.9% rep =
APR after.</em><em>&nbsp;</em>If you're not shown as pre-approved in our el=
igibility calc for the full 12mths at 0%, you could be accepted and offered=
 12 or 6mths 0% and/or 31.9% interest.</span></p>=0A</td>=0A</tr>=0A</tbody=
>=0A</table>=0A<div class=3D"best-buy__header" style=3D"border-bottom: 1px =
solid #bcc3ce; margin-bottom: 13px; padding-bottom: 2px; font-size: 15px; l=
ine-height: 22px; text-align: center;"><br>=0A<br>=0A<span id=3D"poorcredit=
"><span style=3D"font-size:16px;font-weight:700;color:rgb(25, 103, 1)">The =
top POOR CREDIT HISTORY balance transfers</span></span></div>=0A<p id=3D"is=
Pasted" style=3D"margin: 0 0 15px; font-size: 13px; line-height: 22px;">If =
you can't usually get the top cards, ensure you use our <a href=3D"https://=
clicks.moneysavingexpert.com/f/a/6GtuJ7KURNUFy7TnHlnqJg~~/AAAHahA~/IMpb0odD=
7tr5G_aTELOu2i3n2l32xKnOmEeDtDKthuVNORyvcq5BX8gaQWUuxZ_BuiWRiJHgQZEGZ_69rJm=
2Fo1qBCCqT26yFMxLfxowGzoxgbO1tlL2gKbd7DbbXN-y0TMHO9Mf2Tx1Aa3Bly7oB9XsSfZ9bx=
fCSYFvFgi02lxX9rxciGPvsXQG86xEeJBIxbe7-8z2PrKXQhdjBLddo2ufEsbnWcG8qG3evIQnb=
nFH4j_CVEUar3d8DqELR7o7SURoCs8gTHtqIiKEkVqd2IP-NKLx-QLnutxe_PNjnBCa857jmnTf=
u4zGn7CemyebhAMkB_WL42TUK28Bqafb5ohFggIOFlKwZMhl4CD9K63o0kJuguVR0jNHsxOWE5y=
Gqr6FKkS_AQUJpzcX5yHmSQNIYrR0fbrWZv57aZnalWWJBy3vJOg1TjrUzfwFAY1gc2TcHCzyMd=
XPTcNX5kb-zQ~~" rel=3D"noopener noreferrer" target=3D"_blank" style=3D"colo=
r: #0047d9; font-size: inherit; line-height: inherit; text-decoration: none=
;">eligibility calculator</a> as it will show you the cards you've the best=
 chances of acceptance for. <span style=3D"background-color:rgba(0, 0, 0, 0=
);color:inherit;font-size:inherit">These include...</span></p>=0A<p style=
=3D"margin: 0 0 15px; font-size: 13px; line-height: 22px;">-<span style=3D"=
font-size:13px">&nbsp;<a href=3D"https://clicks.moneysavingexpert.com/f/a/M=
9GJShMVOicY0gPdfg4uGQ~~/AAAHahA~/zWavAdJ-atJpUzNGZ2sJzhiKAGvjF_1wl7AaUPiZ-2=
Sj_mpy2_jjcOO0O3-ShmrjHgtmKrAMAkbD3APUVPG_bRmOm4tEbf32S8JxLTBlOiTj2f2fDnKiC=
QWp9wGc8-vbg8s1-eRiZWpFBxmsJvMkjyBbvy0SvUfVjkAZDhH4sCi4xYfu1Z7bd-a4y2Cd21M-=
0_fQQzGwgGmmuXddMo59obkL9lOUnwLqxmZTWhvebuPJ_I0-S6jWt_D6zClyjJPcW20MeWMDfhK=
sIqOXs-aO-kLUOVmD3CBrKezicGgHuo79D9smgd3rbRxMTHkH6PwhKiJt_1d4JPN7qx0PvYEJ_v=
_p2VlxPon3gguHFyvu-xFyMIbZNPx7NW7QXELDRv6UHunmiCf6J0nIFqb2L358e8KYi84RcB1di=
nH6OdoqpskJqqqqdjG2TChj1pv1UTjKf7qkPL9GoIFJSbPYYxOFVGI310Swy1uWM4FDU-DmJW0k=
iDsimcLtl2ReSNv8-pUQNFmsxOP5fnKoxSU30OHzdw~~" target=3D"_blank" rel=3D"noop=
ener noreferrer" data-tip=3D"msetip~hiya~35" style=3D"color: #0047d9; font-=
size: inherit; line-height: inherit; text-decoration: none;"><strong><u>Cap=
ital One's</u></strong></a> definite 22mths 0% (2.9% fee) 26.9% rep APR aft=
er. <em>Note: You'll see the card in results if you've a chance of getting =
it. If you have no chance, you won't see it (but will see other cards).</em=
><br>=0A-&nbsp;</span><a href=3D"https://clicks.moneysavingexpert.com/f/a/3=
mJHgWN2egzif9z7DmPz9A~~/AAAHahA~/G3iiaIHK3VratQhIQhyBT_S-_JwIXcAwa0II1cg21D=
8hzKvV4o47_QYJIeyN7BtYET8UUuv_w84VatzUcKF54pWdlLN3XDPVQTJmw4qW5uxCS5LkokMew=
m_VcKjHbRkp6LBxl2kbADhlWhjhlgrEILFYfHx0qndcp02ur1zu5JX-yjPbvWx6Onil2Ezuy2ph=
d5qU-2Jf7eZZmz_MUUwrW02qRYWhAXCKVp1rBMm7nPyWOPcBTC_Q0klgpEcaurWsICbhahLoHWP=
s_3SLJ_2JxbIDtDRS-amMOT5uykF0ZZ8rEUlrIL-rPrntnzFwHDuJBqHDoA2yDlGrBj5-eYB_PC=
vntxtDYmCM6VBSzwqqFG2rW_M-looF3rOzDFolWQHGpd6Dz_YRfc4e8GICLr2Pp2Fzzqb4YGjWg=
YUEWdnQdxwNha_SCvJvPbn-xB4qw-erakNIPZc5QuFpaHMqsypoOZ_6ibXeg7-7EpAAPrWSvwsr=
wPZyBuTYGVTk5Kui_vwseapm1U4zdIopPMC23xwFUg~~" target=3D"_blank" rel=3D"noop=
ener noreferrer" style=3D"color: #0047d9; font-size: inherit; line-height: =
inherit; text-decoration: none;"><strong><u><span style=3D"font-size:13px">=
Fluid's</span></u></strong></a> <span style=3D"color:inherit;font-size:inhe=
rit;background-color:rgba(0, 0, 0, 0)">'up to' 15mths 0% (3% fee) but extre=
me <strong><u>49.9%</u></strong> rep APR after, ensure it is cleared within=
 15mths if you get it.</span><br>=0A<span style=3D"background-color:initial=
;color:inherit;font-size:inherit">-&nbsp;</span><a href=3D"https://clicks.m=
oneysavingexpert.com/f/a/qxDWQPxI3W2gZakQj7VxCg~~/AAAHahA~/zWavAdJ-atJpUzNG=
Z2sJzhiKAGvjF_1wl7AaUPiZ-2Sj_mpy2_jjcOO0O3-ShmrjHgtmKrAMAkbD3APUVPG_bRmOm4t=
Ebf32S8JxLTBlOiR5M0RthJzDxIu-wKhtoc_xAT-C4RJ4-0AL5JRDXfAwdIlN9rgVjG60GYkycv=
9_vKazvOJGKMA3ma9GJ2dkazw8S6r2WdfnI5a6zGDnE7jLJ2Tnbt35YNf_noCejTshQNnrSOJ7M=
UQ00HTeREUCgPD2jq19tagPTrzUGxAm9DkfFYqBwHEqky1XXowHQ8-2n4uj7Yz3gORGaY1x6mLp=
mXWf-l9qmIPc9oMryZzRCP7cdDjItp-6CYLlJzF7TrkzgwmXIU2qrjPOMKHHa5GdpBc_zyT0OR6=
GYU9XLnYFQbDJn_UHbOo6_T-fEbVfqJw6nO65S0O2KoWBdcUYx1_y6qB1VIwZVK4wijGXWAH2_S=
_hDqzgyC6rWMMBtqm7s4s8MY52QiNmnkf3RAcXSm3VpRPRQmvM8mTQwqtvmW-nD1kbaA~~" tar=
get=3D"_blank" rel=3D"noopener noreferrer" id=3D"isPasted" data-tip=3D"mset=
ip~hiya~36" style=3D"color: #0047d9; line-height: inherit; text-decoration:=
 none; background-color: initial; font-size: 13px;"><u><span style=3D"font-=
weight:700">Capital One's</span></u></a><span style=3D"background-color:ini=
tial;color:inherit;font-size:inherit">&nbsp;definite 9mths 0% (3% fee) 34.9=
% rep APR after. <em>Again, you'll only see it in your results if you can g=
et it.</em></span></p>=0A<p style=3D"margin: 0 0 15px; font-size: 13px; lin=
e-height: 22px;"><span style=3D"color:inherit;background-color:rgba(0, 0, 0=
, 0)">None of these exclude those with County Court Judgments (CCJs), defau=
lts, or cleared bankruptcies, and Fluid allows income as low as =C2=A35,000=
/yr. Yet with all, acceptance depends on a host of factors.</span></p>=0A<p=
 style=3D"margin: 0 0 15px; font-size: 13px; line-height: 22px;"><span styl=
e=3D"font-weight:700">The thing to watch with poor credit scorer cards...&n=
bsp;</span>the APR (interest rate) after the 0% ends is often higher and wi=
th some cards it can be 49.9%, <span style=3D"background-color:rgba(0, 0, 0=
, 0);color:inherit;font-size:inherit">as you'll see above</span><span style=
=3D"background-color:rgba(0, 0, 0, 0);color:inherit">. So, c</span>ompare t=
hat rate to the card(s) you're shifting debt from...</p>=0A<ul style=3D"mar=
gin: 0 0 15px 20px; padding-left: 0; list-style: outside;">=0A<li style=3D"=
font-size: inherit; padding-left: 5px; line-height: 22px;"><em>Current card=
(s) APR is lower=3F&nbsp;</em>ONLY shift debt you're certain you can clear =
within the 0% period.</li>=0A<li style=3D"font-size: inherit; padding-left:=
 5px; line-height: 22px;"><em>Current card(s) APR the same or higher=3F</em=
> Shift as much as is allowed.<br>=0A<span style=3D"color:rgb(25, 103, 1)">=
<br></span></li>=0A</ul>=0A<div class=3D"best-buy__header" style=3D"border-=
bottom: 1px solid #bcc3ce; margin-bottom: 13px; padding-bottom: 2px; font-s=
ize: 15px; line-height: 22px; text-align: center;"><span id=3D"how"><span s=
tyle=3D"font-size:16px;font-weight:700;text-align:center;background-color:r=
gba(0, 0, 0, 0);color:rgb(25, 103, 1)">How to properly use 0% balance trans=
fers</span></span></div>=0A<p style=3D"margin: 0 0 15px; font-size: 13px; l=
ine-height: 22px;">When you get the card, the best thing to do is apply at =
that point to shift the balance from your existing credit and store card(s)=
. The new card firm will then pay the old card firm the money, so you now =
owe the same amount (plus any fee) to it instead. Getting the right card's =
just the start. Here are the four golden rules...</p>=0A<ol style=3D"margin=
: 0 0 15px 20px; padding-left: 0; list-style-type: lower-roman;">=0A<li sty=
le=3D"font-size: inherit; padding-left: 5px; line-height: 22px;"><span styl=
e=3D"font-weight:700">Clear debt before the 0% ends.&nbsp;</span>Pay it off=
 or balance-transfer again before the 0% ends or you'll pay the higher rep =
APR.</li>=0A<li style=3D"font-size: inherit; padding-left: 5px; line-height=
: 22px;"><span style=3D"font-weight:700">Never miss the minimum monthly rep=
ayment.</span> Or you can lose the 0% rate. Best to set up a Direct Debit.<=
/li>=0A<li style=3D"font-size: inherit; padding-left: 5px; line-height: 22p=
x;"><span style=3D"font-weight:700">Don't spend / withdraw cash on the card=
.&nbsp;</span>It usually isn't at 0%, so will be expensive.</li>=0A<li sty=
le=3D"font-size: inherit; padding-left: 5px; line-height: 22px;"><span styl=
e=3D"font-weight:700">Try to avoid further borrowing.&nbsp;</span>Think car=
efully before borrowing any more. Do a <a href=3D"https://clicks.moneysavin=
gexpert.com/f/a/ZA8HDfV1lZ2mfVgap_65BA~~/AAAHahA~/GOPU0qf1Qgca48WcHe-2GqfEC=
xUWE-WInUDdrS42hLvb6BGMYUahTqb9LlQ5pBWmzmhWsc873Yzp8BHC2FS93Kbv3SO2HFnQ2J0s=
XhIYaKsbZ9cTmc--GYt-v5CKQ5hZCj-xeDn3jtdrz_MeUtyPi1Wvtht2EFiOpWleyD4t5stuutf=
EsO2LMWyc0v2NfHtdLAjXXByelbskGdiIqY-WhUuG_n_9yY8YwZxUqKtLYmkRd1NcjjQBDd62pn=
ZrYyNlBf4lVOXqRWTjgOIYPoL4e4SQoxIXcRliQ4_FDjPm18qhnwI_8hU3oYJ3gWjSjcbxYavyd=
nr2O3sQoBnkq5dDJBhkO3wlBEOSYc4XbIxkricR4V6WM0nj7JbuGwVvfYbTx5RiG-Qt85Ucj1z6=
Fihen8kF9Yx5u2mWMWkbGDD0gvQ~" data-eligibilitytype=3D"" data-eligibilityurl=
=3D"" style=3D"color: #0047d9; font-size: inherit; line-height: inherit; te=
xt-decoration: none;">money makeover</a> and a <a href=3D"https://clicks.mo=
neysavingexpert.com/f/a/UJwhRGYVX26reequI99Bxw~~/AAAHahA~/wcTTebebtnan8XJ93=
-r67rcdzO7x3vSiWlg7uNBfon6dmJ1TA01MIuavGHlKjGE-bwi88YQByG9IHfOzkMGl94cFRnFd=
O6VC8Qh0mbhJjgZMn046GLX_4MIyyh0BYEAgN7w_TzHmkSKN1jqk7KMzKYXL4y5MpLVRcbrQ4t_=
RlgF5PDxtRP7Ian7wOAwW_539RGePa_aLzBxIZCSW5zNQzHheWqywqL4OrBEn7HHo276JVmpsAl=
bs4aESmkm4xVBIVcLYbbXxuzggH0wxsCVp-O4SatfT2AUBa_yrbtYbdhvX_fhZ1dsJ3ozDgE_2f=
4qckhxe5SSm6n645d5OxhV1zg5mpMY50_AIfnzK9kGKI87bulILWFL8G-yCH-C8MCjFWJ1dg1fO=
mT97XpwYmrs80i1MkxZcKgcvFK8aGy_KhONbkhe3Yzt9W8IQqyOiy9AW" style=3D"color: #=
0047d9; font-size: inherit; line-height: inherit; text-decoration: none;">b=
udget</a>.</li>=0A</ol>=0A<p style=3D"margin: 0 0 15px; font-size: 13px; li=
ne-height: 22px;">It doesn't stop there though - we get many questions abou=
t how balance transfers work. These are the most common....&nbsp;</p>=0A<ul=
 style=3D"margin: 0 0 15px 20px; padding-left: 0; list-style: outside;">=0A=
<li style=3D"font-size: inherit; padding-left: 5px; line-height: 22px;"><sp=
an style=3D"font-weight:700"><a href=3D"https://clicks.moneysavingexpert.co=
m/f/a/5E3t1abUIouX7VSfA9fuBA~~/AAAHahA~/IMpb0odD7tr5G_aTELOu2i3n2l32xKnOmEe=
DtDKthuVNORyvcq5BX8gaQWUuxZ_BuiWRiJHgQZEGZ_69rJm2Fo1qBCCqT26yFMxLfxowGzqjou=
Tbg_TqslZgILxFLL9_LsA_nneBj17CtGj_H64RYZ3r9vJfVFj7ZqzPFIVuUyQ4jJAVV2DTd9Oje=
lzulIJosQnLWU4eWLmKnpRj9sBUtoR0RHVCbuW-f61wPmb0jvpiZ4NlTT2jZN5Wo40LsEocHWHx=
1aqNFKFIDnn_F9KZABI_skj_Sch1M6o4PDaf8OrIjeSstGtDeuHpxezMpDWtKd4rkHTGMrqiOWI=
4RerXO6RBGmA1cBH9-dvv9tGZtzdu69SGhIjvEoMlIsejmHeFeXPg_JAi0VRGYByqAdGTy9wQVi=
fqz9fxgsdDKGSTxy-9AsIcDofd7EUNs572PbM7V0BnW_df1fnvY_fLV3QHgA~~" data-eligib=
ilitytype=3D"" data-eligibilityurl=3D"" target=3D"_blank" rel=3D"noopener n=
oreferrer" style=3D"color: #0047d9; font-size: inherit; line-height: inheri=
t; text-decoration: none;"><img src=3D"https://images7.moneysavingexpert.co=
m/x1xkqhj4w3lh/7f0d7a81-ed8c-4db0-ab01-751fde42683c/3e9383e2f806ce28e16950d=
806548e50/Tip-Card-Eligibility-Chances4.png" class=3D"fr-fic fr-dib" width=
=3D"199" align=3D"right" alt=3D"An image showing a mobile phone screenshot =
of the MSE eligibility calculator showing a 20% chance of approval for a cr=
edit card, with a caption saying: 'Don't be put off by low acceptance odds.=
' The image links to the MSE eligibility calculator." height=3D"181.314" st=
yle=3D"-ms-interpolation-mode: bicubic; outline: none; text-decoration: non=
e; border: none; width: 199px; float: right; height: 181.314px;"></a>Should=
 I apply if my best eligibility score's only 20%=3F</span> While 20% odds a=
re low, it means two in 10 who apply will likely succeed - and it could be =
you. If you're rejected, barring a minor credit file application mark, you'=
re no=0Aworse off. After all, cutting debt costs is what you try to protect=
 your creditworthiness for (usually only trumped by a mortgage application)=
, so go for it.<br>=0A<span style=3D"font-weight:700"><br></span>As Adam em=
ailed:&nbsp;<span style=3D"color:rgb(145, 28, 87)">"I just felt inspired to=
 thank you. I applied to one of the top results on your eligibility checker=
, which estimated I had only a 20% chance and, guess what=3F I was accepted=
 with an interest-free period of 2yrs. This debt was costing 20% APR!"</spa=
n><br>=0A<br></li>=0A<li style=3D"font-size: inherit; padding-left: 5px; li=
ne-height: 22px;"><span style=3D"font-weight:700">Should I pay an equal amo=
unt on every card (spoiler... NO)=3F&nbsp;</span>List all your debts in APR=
 order from highest to lowest. Include your overdraft if you have one (as t=
hese days overdrafts are often the most expensive form of mainstream borrow=
ing). Then, if possible, focus every penny of spare cash at trying to clear=
 the debt with the highest interest rate, as it's growing quickest, and jus=
t pay the minimums on all the others. Once that's clear, shift focus to the=
 next highest.<br>=0A<br></li>=0A<li style=3D"font-size: inherit; padding-l=
eft: 5px; line-height: 22px;"><span style=3D"font-weight:700">What if the c=
redit limit they give me isn't enough=3F&nbsp;</span>In most cases, you won=
't know your credit limit until after applying, though&nbsp;<em>some</em> c=
ards in the eligibility calc will show a guaranteed credit limit before app=
lying.<br>=0A<br>=0AIf you find the limit given is too low, shift as much o=
f your highest APR debt as you can to the new card (usually you can move up=
 to 90% of the credit limit). Then go back to the eligibility calc to see y=
our chances of acceptance for other providers' cards to move the rest.<br>=
=0A<br></li>=0A<li style=3D"font-size: inherit; padding-left: 5px; line-hei=
ght: 22px;"><span style=3D"font-weight:700">What if the eligibility calcula=
tor says I've "no chance" for all cards=3F</span> That can happen, especial=
ly for those on lower incomes or with a poor credit history (see how to imp=
rove it in&nbsp;<a href=3D"https://clicks.moneysavingexpert.com/f/a/_TifZOs=
ELXrr8JIDknPL6g~~/AAAHahA~/2XApKMCeKbF6bb1-1Z0AYugpAKPojoP2d8YcbWVCR9UNd2sv=
_wy5E7N8T59Mea1VxJ3AARsE_boTLN-ehVg3sB4VR7F-poZi9hmCbPjcYcjyxC4IXfYq0vA3wBL=
sw1VF4bLqRVVLEVmHpC26GIUEvAZOwATLpgbKjqfoWENbQTTj48NZqXgEO4MOdjYxenxoCf-u9l=
3JHzN85OL3xBgBhR5d0hJM0OR6j-h-hopFtChW7LY1fkgiCq6eDyUSFVBdIxpz3jSSseCy-LlXu=
6btL8bfBhkyZsHMY6oSVcRpYdXGjquiqfYj1Dw4mWnMHkM0kf_oYMZ2BcEY8ygXINntm6aTgU3B=
rl6EhX2cnE57iDUanp-_4J-h12zdvlV0BHm3KqipqImmEAjd83tmlRXnqy_Mh8FfeGeJ_FYP8MT=
Q4hs~" target=3D"_blank" rel=3D"noopener noreferrer" style=3D"color: #0047d=
9; font-size: inherit; line-height: inherit; text-decoration: none;">MSE's =
Credit Club</a>).<br>=0A<br>=0ASo check if your credit limits on all existi=
ng cards aren't full in case you can shift debt from one card to another if=
 it's cheaper. For example, if one credit card charges 18% and has half the=
 credit limit left, and the other card is at 30%, ask the cheaper card's fi=
rm if you can shift debt from the more expensive one to it, saving you cash=
. Even better, some cards also have 'existing-customer balance transfer of=
fers', eg 12mths at 0%. See the&nbsp;<a data-tip=3D"msetip~hiya~21" href=3D=
"https://clicks.moneysavingexpert.com/f/a/w51YdFi6y0MVSsMw1Iq9sw~~/AAAHahA~=
/zOGSe6gR8RJp-DX95d_lggEzuZH2ZGTBjC3sLgdnAGjmmUFzzeD_MVY2qMKbwE_DWUUYLYgnxS=
kr5YnMGWggKDwHWfwy1Tg2wGs5gwrdz9kXd9mMNHaCEWNKxhstNZLGMRYETcDFM0kUOz9L81Aw7=
Nf7FEyqjja31Pg-HUvD3VV5uLMI4fVO4Mf4tJBruJ5kr5n5gRXfr57rYuz_uSuVjkCGiyWczLTu=
Lq_IomLgkZmkiFtCH_BfuhunlEIItbFBYC7l5ZWRzIcP0u0oTLhJGx2Nem6fDgQJKVHCIUv8DhN=
Hh0_4LLnBYgsFssJt7c04i8infGE3L1hccgPBmHlw9-7dKMORqUGlv-aIzpfB6vwix9Fl5xdCzs=
Y0931DyObB9O_sqzawSwugePR4CJhHdJQ4qieXIcvSOkwTwhtmQc41dcORLvIeYnnd4H7TIatIy=
9wGIAoiijGJS8c00s2KLVghE4cqP0xAP1Cj56kGvU4~" style=3D"color: #0047d9; font-=
size: inherit; line-height: inherit; text-decoration: none;">credit card sh=
uffle</a> for more.<br>=0A<br></li>=0A</ul>=0A<div class=3D"best-buy__heade=
r" style=3D"border-bottom: 1px solid #bcc3ce; margin-bottom: 13px; padding-=
bottom: 2px; font-size: 15px; line-height: 22px; text-align: center;"><span=
 style=3D"font-weight:700;text-align:center"><span id=3D"debt"><span style=
=3D"font-size:16px;color:rgb(25, 103, 1)">In debt crisis=3F Get free debt h=
elp NOW</span></span></span></div>=0A<p style=3D"margin: 0 0 15px; font-siz=
e: 13px; line-height: 22px; text-align: left;"><span style=3D"background-co=
lor:rgba(0, 0, 0, 0);color:inherit"><a href=3D"https://clicks.moneysavingex=
pert.com/f/a/GRm4DjuNdZVQAJyyF0HBPw~~/AAAHahA~/0JpEg2RNxsqncjNV2VDokNFDPDHF=
wCH8j6EDXpLZUbvvALlREq2KKfz9Lc6_LeHFisMifzCoRrhRO2-sXKocohNoKgjzPI-Iz2ve3N4=
nNmPfG3NlNgu55Z9TZjNCnE_hXY3s91h4w0hRBcnIt2PXy2a-6E58bodVm5VaM467vi_SIOqIi-=
g7TqmQnfiOnYN33RfBXvrKGxQ-sU6QSRe3_IiuCN3HMbSUw18wllXHaz-aB4HdWKMXj_h-6LkXH=
XNi_QdcL47yizBWCsN-20iU1klhX4RlGnmbrrnUlirkpUyY6gv0U4uoWYvdPB8v23S06uTGe9Kh=
zqo8coFyvreZ6rDlsYdAs1RbAVlkWoT-stJR66CsqkT6SuCRPLvn0HpFxOQySOTe-YD1Vd0939V=
WCTT6-_kj-dV_oUx07j9nUuY~" data-eligibilitytype=3D"" data-eligibilityurl=3D=
"" style=3D"color: #0047d9; font-size: inherit; line-height: inherit; text-=
decoration: none;"><img src=3D"https://images7.moneysavingexpert.com/x1xkqh=
j4w3lh/5eqUixfxAnTcAG4Y2ZepzV/a96e1b9d7d904016dec2efb2e789a095/Phone_call_c=
ircle.jpg.rendition.768.768.jpg" class=3D"fr-fic fr-dib" width=3D"150" alig=
n=3D"right" height=3D"150.49" alt=3D"Image shows a woman on the phone. The =
link is to MSE's debt help guide" style=3D"-ms-interpolation-mode: bicubic;=
 outline: none; text-decoration: none; border: none; width: 150px; float: r=
ight; height: 150.49px;"></a>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. Here's Martin's snap test...</span>=
</p>=0A<p style=3D"margin: 0 0 15px; font-size: 13px; line-height: 22px;">1=
. Do you struggle to meet minimum monthly payments or pay all bills=3F<br>=
=0A2. Is your total debt (not mortgage/student loan) over a year's salary=
=3F<br>=0A3. Do you have sleepless nights or depression/anxiety over debt=
=3F</p>=0A<p style=3D"margin: 0 0 15px; font-size: 13px; line-height: 22px;=
">If you answered yes to any of these, you need a stronger intervention, so=
 get free, one-to-one debt-counselling help from <a data-tip=3D"msetip~hiya=
~50" href=3D"https://clicks.moneysavingexpert.com/f/a/WPvBTAnCxJrk_8YK3ajOk=
g~~/AAAHahA~/CCWU3pm6gS58QePOlw-8Cpbo02xdNhkrC92c-7UoYmq1O239igh6govaR2b_Fn=
IiFeI223EiVRmDNwDo22lkAE5JK8NH1hYiz0-2rfAqUURykmM6MsSjrVdxCvuOyrCG0hl4ISMOW=
rp9ru7VHUGFYg~~" rel=3D"noopener noreferrer" target=3D"_blank" style=3D"col=
or: #0047d9; font-size: inherit; line-height: inherit; text-decoration: non=
e;">Citizens Advice</a>, <a data-tip=3D"msetip~hiya~51" href=3D"https://cli=
cks.moneysavingexpert.com/f/a/PzQ6Lqq7Ez1sTRk4_omBLQ~~/AAAHahA~/0LKO7X1ttaF=
A6_KQg8SuyeI-9WY8A3xPfNT7RntEY46P_p468YO9Ph3j1IP5PEAX5Z0WFKjmP2l12Xfn497yZN=
yM3Swn8L2kjG1_IbSX48xvo3vWlxvLflHmKbwJ-NMo9S_yEWgEVkUmL1fxJE4qJQ~~" rel=3D"=
noopener noreferrer" target=3D"_blank" style=3D"color: #0047d9; font-size: =
inherit; line-height: inherit; text-decoration: none;">StepChange</a>, or <=
a data-tip=3D"msetip~hiya~52" href=3D"https://clicks.moneysavingexpert.com/=
f/a/zWNICumc6jwCQaq-bTi1FQ~~/AAAHahA~/2METzoYufAM4CPIhT_ZDRLGGp1Bv6aGTOEkFm=
kj7L6KgcL63fIm86mdgFlIPAtqLN2RHYo7oLmC02ZN58riArGJKcGgFrUK_r99IWUGZUhI73V38=
61XyOlja3T_xw6YdhquLa1tBs5BmOLwfC3cRkg~~" rel=3D"noopener noreferrer" targe=
t=3D"_blank" style=3D"color: #0047d9; font-size: inherit; line-height: inhe=
rit; text-decoration: none;">National Debtline</a>. They have powers to giv=
e you breathing space on your debt or can put you in a repayment plan or si=
milar. While this may impact your ability to access credit, it's usually wo=
rth it to get you out of the debt hole. Or if you need emotional support to=
o, try <a data-tip=3D"msetip~hiya~53" href=3D"https://clicks.moneysavingexp=
ert.com/f/a/VqDofjLSlZs5CquTjz0VOQ~~/AAAHahA~/y9WST2NFMC_9YUaZt3zsY9QaUIZC7=
SLHkUjlqATX6Yu-VDtJkPhaPPPyPRrS2dxoJobGAjdYbbrfwr4yk7zPKYwmn_zdC0z7m9ScH1eV=
DoZEIYu3651-LddzTLDrAPb6" rel=3D"noopener noreferrer" target=3D"_blank" sty=
le=3D"color: #0047d9; font-size: inherit; line-height: inherit; text-decora=
tion: none;">CAP</a>.&nbsp;</p>=0A<p style=3D"margin: 0 0 15px; font-size: =
13px; line-height: 22px;">Read inspiring stories in the <a data-tip=3D"mset=
ip~hiya~54" href=3D"https://clicks.moneysavingexpert.com/f/a/VZ3-kELWE4jCoD=
kCoOxtsw~~/AAAHahA~/Wgy1iNBStJJpJQZ5On20-txtscpeeCyDgGcwQmVXWUVyVCf_9YlFacL=
Lvt6lzgb5bQRHSUF-XxnOwQ17dBmVarkuF8G77zEGidfXlLBZyZR7pDq4AK-4Zv8nmPMBCG9nqj=
cIrsywuLNeWiJ1xueecLeXxRdyIyQd8fesBCzKKQVwkm_GQ3-5g58HLenoCJRrQVc-BWfo4A_Zi=
N4jBFvtvobbJAJhInh9fecZcHq0AoF-bgjonMMZ4mAC5YobO3tQkdDdBp3z41HXXiUDxPAD4gGw=
ooHQmZFEJP749t9vux0R6-JvM8MJnEQZxjgn8NWOloWvrlSuKdqychY5netSWTL3gic4_2DAQ1C=
GW42TJki1PbFraIo_TVuDZH6ZAjdh8jszOeWyJfnQ2FRGeg67eZl3co7i3bZb6o-9zB_KiiqQNE=
ndZIkS-3a6tp8bXN2y" style=3D"color: #0047d9; font-size: inherit; line-heigh=
t: inherit; text-decoration: none;">Debt-free wannabe</a> forum, plus see <=
a data-tip=3D"msetip~hiya~55" href=3D"https://clicks.moneysavingexpert.com/=
f/a/RgAeTdCjcwoVGvhL6MysOg~~/AAAHahA~/-XD8NrvIR0raQHHeYG0BK5yvXLiDPU1VX0vuG=
UQKYvz-Cq9rD_odwLIzIBXXZF3-C8scLsRbauO8rdohXpMfOHBRwzgi7FOm0LnfEjtTGlzn2zwJ=
R1wvXGi9_2V4_PAqowzvra0cKvYRIfH7PF-4aKDfbXFAAXgl3oXPLBYFFKlcs_kaw4v7X2HlcQn=
Ru3UMVvl1BJlZj3EHEBHYjy3FYFGOUjfW24bmxvP1NxdcP51yXTtdKFwwhacLqKL5KiUXd_qssH=
3srGnsj2aDNtsuQYTyyoISE_9xB43NuKaiFucCnEs4m4tgvnUA6ju7pcM0QasZWcclnRa_RD8sX=
izeiKvm6e5Th0wQoS90Al2Y6wfDBpy4hgzbE4Ouf5CtCMIdd4gL9afgV0l7UhpTGraf-cYmsHHu=
vjoTjha1vS7v1EqDuX7BQmVj_SFMMCQ_vUq5" style=3D"color: #0047d9; font-size: i=
nherit; line-height: inherit; text-decoration: none;">Mental Health & Debt<=
/a> and <a data-tip=3D"msetip~hiya~56" href=3D"https://clicks.moneysavingex=
pert.com/f/a/zxHFIjOK65P3V9aUkR4Oiw~~/AAAHahA~/0JpEg2RNxsqncjNV2VDokNFDPDHF=
wCH8j6EDXpLZUbvvALlREq2KKfz9Lc6_LeHFisMifzCoRrhRO2-sXKocoj2J1d5GDAKrj5InQf9=
EYMWdT4AajfM9Obt5kxTDkCr6J0xB3a2GMJnePMBIMHy5KCxd3r9idRyHCOF-lcZ0jHhnlXz6dO=
3pJW-EB7thZ1R2KRpUUPgD4qGyD9LSdZPfzwnWBq2JrkZEoW4tvIbzqDMYV2AlSIu-8Kxoctoaf=
Z5yhawAiTCpgjGsBwW1exM3DRS6qEi8C6AL81cGOC3BZSkc0KC8uVe-6tIO2-nyAj6-AkZto4DW=
Fy3p9323cYCfX1RG7zwGSCuecow0EmJHiqckNT-CtmhD7ndHs44jX9jR2rEcs46sewhiW7hYlaR=
i35_D3IMq7RlenhkoAdi9I70~" style=3D"color: #0047d9; font-size: inherit; lin=
e-height: inherit; text-decoration: none;">Debt crisis</a> for more help.</=
p>=0A</div>=0A</td>=0A</tr>=0A</tbody>=0A</table>=0A</td>=0A</tr>=0A</tbody=
>=0A</table>=0A</div>=0A<div class=3D"empty-gap" style=3D"height: 10px;">&n=
bsp;</div>=0A<div class=3D"full-width grey-bg" style=3D"width: 100%; min-wi=
dth: 100%; margin: 0; padding: 0; background-color: #dee4f0;">=0A<div class=
=3D"empty-gap" style=3D"height: 10px;">&nbsp;</div>=0A<table class=3D"conta=
iner table--body-bg text--center nt-forwardfriends" cellspacing=3D"17" cell=
padding=3D"0" role=3D"presentation" style=3D"border-spacing: 0; border-coll=
apse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; color: #000; =
max-width: 760px; margin: 0 auto; text-align: center; width: 100%; backgrou=
nd-color: #f0f5fb; border: 1px solid #fff; padding: 17px 13px 0;" width=3D"=
100%" align=3D"center" bgcolor=3D"#f0f5fb">=0A<tbody>=0A<tr>=0A<td style=3D=
"padding: 0; vertical-align: top;" valign=3D"top">=0A<div id=3D"savedcash">=
=0A<p style=3D"margin: 0 0 15px; font-size: 13px; line-height: 22px;"><stro=
ng><span style=3D"font-size:16px">DON'T believe the fake 'Martin Lewis' or =
'MSE' ads</span></strong><br>=0ALots of scam ads litter social media and ev=
en newspaper websites - some of these lie that we or Martin promote Bitcoin=
, binary trading etc. See <a href=3D"https://clicks.moneysavingexpert.com/f=
/a/MI7LqphWG9H7bmXCAORruA~~/AAAHahA~/NuPh_55sYXvb2w_e45QWHnztOK3mBKaeKwCqnQ=
wEJRiUmy41BvdEt4IkRsrTKz5ZRZiSYIlKo9tistXpKzZpRQccoRsUoAtnecYZc2Fd2A_hjL3Fw=
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=0A<div class=3D"empty-gap" style=3D"height: 10px;">&nbsp;</div>=0A<table c=
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der: 1px solid #fff; padding: 17px 13px 0;" width=3D"100%" bgcolor=3D"#f0f5=
fb">=0A<tbody>=0A<tr>=0A<th class=3D"mobile-full-width text--center__mobile=
 text--msc-title" style=3D"text-align: left; font-weight: 400; margin-botto=
m: 10px; vertical-align: top;" align=3D"left" valign=3D"top">=0A<p style=3D=
"margin: 0 0 15px; font-size: 13px; line-height: 22px;"><a href=3D"https://=
clicks.moneysavingexpert.com/f/a/IpYkE-Jf4-8sBeVyfc5yOA~~/AAAHahA~/rzjxl6AR=
9SLAzYVaiGKOx16tizJ6t-vHSCQsXUNZMvLafC4FHghHnAXaNRmHvkwcm7-DNRX9JEmZvEZLkm8=
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 none;"><img src=3D"https://images6.moneysavingexpert.com/images/money-mant=
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=0A</th>=0A<th class=3D"mobile-full-width text--center__mobile text--msc-ti=
tle" style=3D"text-align: left; font-weight: 400; margin-bottom: 10px; vert=
ical-align: top;" align=3D"left" valign=3D"top">=0A<p style=3D"margin: 0 0 =
15px; font-size: 13px; line-height: 22px;"><a href=3D"https://clicks.moneys=
avingexpert.com/f/a/FZMhV8IGG-oBSyyoKolELg~~/AAAHahA~/rzjxl6AR9SLAzYVaiGKOx=
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d9; font-size: inherit; line-height: inherit; text-decoration: none;"><img =
src=3D"https://images6.moneysavingexpert.com/images/skint.png" alt=3D"" wid=
th=3D"178" height=3D"77" title=3D"" style=3D"-ms-interpolation-mode: bicubi=
c; outline: none; text-decoration: none; border: none;"></a></p>=0A</th>=0A=
<th class=3D"mobile-full-width text--center__mobile text--msc-title" style=
=3D"text-align: left; font-weight: 400; margin-bottom: 10px; vertical-align=
: top;" align=3D"left" valign=3D"top">=0A<p style=3D"margin: 0 0 15px; font=
-size: 13px; line-height: 22px;"><a href=3D"https://clicks.moneysavingexper=
t.com/f/a/-jSBVhCcCmf4JpxfrFS0TA~~/AAAHahA~/rzjxl6AR9SLAzYVaiGKOx16tizJ6t-v=
HSCQsXUNZMvLafC4FHghHnAXaNRmHvkwcm7-DNRX9JEmZvEZLkm8ir0SuWaLYci3KjdsaAG4ubf=
s4iV6QGRqEeyCrT8iT_3tqpLUeUkZNbXjQeLGqKixS4G45Luh7waR_IAvBJ1la00PHIjl_BhfJh=
CWFQLX3w6wUz7xHTrW7TZcXkCMktxuQRzUk2CAKZBMFeBIiXqQGIWAaYkwBIDPWntjBILYyN66z=
KiZqz0yj3nUJ1J5Q25FxR69BvJBByEH_VeJtCZB4s52twHTJikTIqDZoSr2YxrDKuw36B8ga6uB=
XeI0uLRNP42Urj0cH-rRvQt95c_cAZPwHTWirc72phIobeK9cDihbAZG8W5SoIxuIqz6FcOLCaU=
X6yFNWN-Sj5vnpQ42ggG7_u1D8eBeuiLndMmdvj9kR" style=3D"color: #0047d9; font-s=
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ps://images6.moneysavingexpert.com/images/not_skint.png" alt=3D"" width=3D"=
178" height=3D"77" title=3D"" style=3D"-ms-interpolation-mode: bicubic; out=
line: none; text-decoration: none; border: none;"></a></p>=0A</th>=0A</tr>=
=0A</tbody>=0A</table>=0A<div class=3D"empty-gap" style=3D"height: 10px;">&=
nbsp;</div>=0A</div>=0A<div class=3D"empty-gap" style=3D"height: 10px;">&nb=
sp;</div>=0A<div class=3D"full-width" style=3D"width: 100%; min-width: 100%=
; margin: 0; padding: 0;">=0A<table class=3D"container table--white nt-bign=
ote" cellspacing=3D"17" cellpadding=3D"0" role=3D"presentation" style=3D"bo=
rder-spacing: 0; border-collapse: separate; mso-table-lspace: 0pt; mso-tabl=
e-rspace: 0pt; color: #000; max-width: 760px; margin: 0 auto; width: 100%; =
background-color: #fff; border: 1px solid #dee4ef; padding: 17px 13px 0;" w=
idth=3D"100%" bgcolor=3D"#fff">=0A<tbody>=0A<tr>=0A<td style=3D"padding: 0;=
 vertical-align: top; font-size: 13px; line-height: 22px;" valign=3D"top">=
=0A<div id=3D"bignote1">=0A<p class=3D"section__title text--center" style=
=3D"margin: 0 0 15px; text-align: center; color: #273157; margin-top: 0; ma=
rgin-bottom: 8px; font-family: museo_slab700,Helvetica,Arial,sans-serif; fo=
nt-size: 24px; font-weight: 700; line-height: 30px;"><a href=3D"https://cli=
cks.moneysavingexpert.com/f/a/hvoC7aYmj3tmJU-hUyeyGQ~~/AAAHahA~/h3Njwl0liTe=
PTfWg7ZPTQ5ZntalDm6p1189ADY3OwP13iqvdRti9N6RssAWW643t86V5RMWe8eu-QZvReHnpuX=
wD3cchJ_R8mskiJTL62hzHPBFcUVxH3HZXNPJ39zJtog1a7qsYAdpCJo2nOzTDq-XciDM_-uV16=
ZkGrMHxTnFwaVKeFvfuAKnFEHALYNGEHB_vd7zMm96P82IpcOQdG8-rK6F0G_uTepavDT_l6Uu2=
9tKNNQFB93RexWVP75u3b0dqkAmEDia3HQxkEfpn5z8IEzReBXhA755De48WAiyK790Vdf2_-Q9=
zw1X9QK8B1zU4TAtKhAM0uGxYdc8R8jLbz5wqRxYZOL9m4hcFy_xm3kN7jvBnu2rKuAEcDa6F7j=
ZpZC4mM729MwuOIh4MZJLIfCxcywBFZ6aoWVgt9d6OtBGiRabNcT7QKwm72Alu" name=3D"cou=
nciltax" id=3D"counciltax" style=3D"font-size: inherit; line-height: inheri=
t; color: #0047d9; text-decoration: none;">Council Tax: don't wait for refo=
rm that may never happen... check NOW if you can save =C2=A31,000s</a></p>=
=0A<p class=3D"section__subtitle text--center" style=3D"margin: 0 0 15px; t=
ext-align: center; color: #273157; margin-bottom: 16px; font-size: 16px; fo=
nt-weight: 700; line-height: 24px; display: block;"><a href=3D"https://clic=
ks.moneysavingexpert.com/f/a/CdLgitC5djQkO49xjYOjiQ~~/AAAHahA~/h3Njwl0liTeP=
TfWg7ZPTQ5ZntalDm6p1189ADY3OwP13iqvdRti9N6RssAWW643t86V5RMWe8eu-QZvReHnpuXw=
D3cchJ_R8mskiJTL62hyZIoZ1qDT0vtENUpt9dKx_O4gUneHQAkWtjGiBtpmi4zsd2cmakiTkKB=
MFKrOYLwoS-pWEy_pLqFSe9t_mL5LVvZqO6-38P4ELGIqyDtkZQatOOLDZYZjt2RTnbzyF87Y_4=
09cX1_RciGpML1VjzLTAzwLD4iVW8WPmKULVMR61vrbet60I2CWRcIvaVSL-I4bitFEjbXIjvh2=
OAKDeHc5kYWMmHV5Caycb6Bg_w1qogILfd2PxCMuUdS1e4ayZblWYo4ADio-Y6UYM95Zuv63jMo=
THoIgPQEKXk6trqAnWWX1UQHiGL4TE6REpXLl7mLu-S6fHqyqmmKFaPwGojyx" data-eligibi=
litytype=3D"" data-eligibilityurl=3D"" style=3D"font-size: inherit; line-he=
ight: inherit; color: #0047d9; text-decoration: none;"><span style=3D"color=
:rgb(39, 49, 87)">In too high a band=3F Due a discount / reduction=3F Are y=
ou in council tax credit=3F</span></a></p>=0A<p style=3D"margin: 0 0 15px; =
font-size: 13px; line-height: 22px;">Council Tax reform is back in the spot=
light after the Prime Minister Andy Burnham described the current system as=
 "unfair". He's now ruled out scrapping it, at least in the near term, so t=
he priority is making sure you're not paying more than you should under the=
 current system - 100,000s are, and some could save =C2=A3100s or even =C2=
=A31,000s a year. There are three main areas, so check if you're eligible f=
or each...</p>=0A<ul style=3D"margin: 0 0 15px 20px; padding-left: 0; list-=
style: outside;">=0A<li style=3D"font-size: inherit; padding-left: 5px; lin=
e-height: 22px;"><strong><span style=3D"font-size:15px">Is your property in=
 the wrong Council Tax band=3F</span></strong> <span style=3D"font-size:13p=
x">The Council tax banding system is, at best, inconsistent. What you pay d=
epends on which valuation band (from A to H) you're in, yet these bands are=
 based on stopgap '2nd gear valuations' (often estate agents just driving p=
ast homes to classify them) done back in England &amp; Scotland back in 199=
1. Martin first developed our <a data-tip=3D"msetip~bignote-two~3" href=3D"=
https://clicks.moneysavingexpert.com/f/a/Cp4_Qi7DUSn6eaf5iHX0Ww~~/AAAHahA~/=
h3Njwl0liTePTfWg7ZPTQ5ZntalDm6p1189ADY3OwP13iqvdRti9N6RssAWW643t86V5RMWe8eu=
-QZvReHnpuXwD3cchJ_R8mskiJTL62hzF_GZfrFctRwzPPPjL8U4VizYD-aJnkAk6efwm4uArTi=
gmd4fHr4RWJL0pA_U5qnUNbzJS5_N3gFH-foxVVDOI-jNL2faX5T3wQWLqzCEPBkBKws4E7J1fS=
axSl5IkGcliBQ10tvzkPmuLtexdDgLGxOfFuhONaVY5D70yNDMG6AUVJjZKPj_bJMvy2qUPkTbN=
4uBTwgccjtuJCHJ138BB1LKIF3zG1mPyYWveCIF24alZMZBI2WvdLtJZ-zV_BrULFGffyRgqHVk=
ZJE0yAwAdPxb9-v4cAzbisUwKwSHK8_duGq022SB3-WFJ2mCI9TZ0nSLYPbSMW8YzyOOF-kX6" =
id=3D"isPasted" style=3D"color: #0047d9; font-size: inherit; line-height: i=
nherit; text-decoration: none;">Council Tax check &amp; challenge system</a=
> in 2007 and we've refined and improved it since then - over the years we'=
ve had 10,000s of successes, meaning people not only get their band lowered=
 and pay less each year, they get a backdated refund too.&nbsp;</span><span=
 data-teams=3D"true" id=3D"isPasted">As Tania emailed us:</span>=0A<p style=
=3D"margin: 0 0 15px; font-size: 13px; line-height: 22px;"><span data-teams=
=3D"true" id=3D"isPasted"><br>=0A<span style=3D"color:rgb(145, 28, 87)">"Th=
ank you for running such an informative website. I contested the Council Ta=
x banding for my mum's house. After many years of trying, earlier this year=
 they rebanded her property back to 1993 and today she got confirmation of =
a refund of <strong>=C2=A38,000</strong> or so. Tears have been shed. If I =
hadn't kept checking your site for updates, it might never have happened."&=
nbsp;</span><br>=0A<br>=0A<span style=3D"color:rgb(0, 0, 0)">Here's how to =
check if you might be owed...</span><br>=0A<span style=3D"color:rgb(0, 0, 0=
)"><em>-&nbsp;</em><em>Step 1.</em> Compare your band with similar homes ne=
arby. You can do it free online - see the&nbsp;</span><a href=3D"https://cl=
icks.moneysavingexpert.com/f/a/N-M-oVDlUlXagxkfBzOJ5A~~/AAAHahA~/QhE3zSg_DB=
v54lNRje6205v_tbgLFWpcJxTZ-ulzlmDASo8tTm-3iZGp65_fZC_VSnj4pEPwnFBQOsYnWqI5l=
JGaum7nrBeIoRxnzQtJcyAe_H9lJSKXI9ifavFVo1dGWSfQiGxwpHdwjeiJNp1g5vEuutyWKy1M=
zNShKWWKaVbxIocqeyp-M9PRYPFvhx_ufxjf6X79TLkUqnFiYOBvg7gsOWEY8AsY-lvyIsNKPs8=
sFlwImgvrec71dtoeARcNtOVJQ7IaIWLYhDrlk4MbiBLVsodZPihf0N3MGvROi8QRF49uoXS9Gq=
07tTX_t0EBBIqwFOq6-KDSN2_uWYQ9zN7ZxjssROXDR2CJynSWVNCezfodcLUxNleDSYmtZFgs0=
UpX9xlSOzCfSZN-D8fH_3A-xDzVDBoHOT2NiPp-e_vG3SVBiIybj4OgHQEUeF2Xp4LZOfD7sBwm=
2Ki2AS5iGg~~" data-eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"c=
olor: #0047d9; font-size: inherit; line-height: inherit; text-decoration: n=
one;">neighbours check.&nbsp;</a><span style=3D"color:rgb(0, 0, 0)"><br>=0A=
<em>-&nbsp;</em><em>Step 2.</em> Estimate your home's value in 1991. See th=
e&nbsp;</span><a href=3D"https://clicks.moneysavingexpert.com/f/a/IYQFefEc5=
1aSFoy23Odq8Q~~/AAAHahA~/QhE3zSg_DBv54lNRje6205v_tbgLFWpcJxTZ-ulzlmDASo8tTm=
-3iZGp65_fZC_VSnj4pEPwnFBQOsYnWqI5lJGaum7nrBeIoRxnzQtJcyAbKDUiDKNhM875wbPas=
_A6A__Xdy23yLx5OPa5iDWT_0arbU2tRRqLcUy5cKfQwi_pDW3aBuaO-2pCFjLbK21QhjhHvU9Q=
ztrvAWAWABDuOM19dILgIRI3y3H9d_q70HkXfOaPl_K_lBXwrjCXMNVLsdT8S7N1SVOZ4Eav8sI=
1ylaJ11A79qD6gsFAPgqy-brDuHoa111snhntiMOOAkEDKXMDxRV-kA2NZimG5n5U_DwKKKyKg5=
Eb3gLd-FFzJ_eb5QPoxUi8aOyHrR8Ffg2a_MnChb3pydPce7Xpxp-BPfpHCqzdu_ZP04kwUCzMh=
yBfIit-ZCCZzz9n9QOiuzj6nSzJy3--juBOm9NTcw_ZxA~~" data-eligibilitytype=3D"" =
data-eligibilityurl=3D"" style=3D"color: #0047d9; font-size: inherit; line-=
height: inherit; text-decoration: none;">valuation check</a><span style=3D"=
color:rgb(0, 0, 0)">, including our free tool to help.<br>=0A<em>-&nbsp;</e=
m><em>Step 3.&nbsp;</em>Only challenge if BOTH checks show your band may be=
 too high. Just one check leaves a risk that it could be your neighbours ar=
e in <em>too&nbsp;</em><em>low&nbsp;</em>a band - and theirs is upped. Foll=
ow our detailed&nbsp;</span><a href=3D"https://clicks.moneysavingexpert.com=
/f/a/xUr5SOkKK-qsXjEM82sA6Q~~/AAAHahA~/YxF9_Y77y0EcrentLdPu2RmYl4Q88AuEX47L=
X9sUnQPwD5waQPu2zu2a8QHI8-kek9rCznBGDKnbXiXrU-OG3KZ-9ZFDenIXUeXACkitTfG8yYL=
W75pSu_eHCMRAGXulgzyq3m1VISyzxB_CU-gX6WXMKQe5AjP9mdXTv-9to2kib6lanSX2aKIw-w=
YjHglRfFsO4y_rnvuzsV5_1tZf-jz87fmZFTB3tbsU_mv9y5pqTe6LYip4iFGws7tlUd-TjoM-p=
p1mP8kTnj66p1MUjIyvvBn9U7sleIE-fGsvxQG0EUqirDN1ll1kN8SiBjXrR3qv_u0JuU1MuL2s=
A5eUOSGrDUg9BpegcycIV7HdR3ERUG-GNmM8ArsRPVdoEHQ5XsZsap0PvjA0BSzHcFN95hd_JK3=
cjPHKH7WSjEYa1AIDciz6Y6Olz0emAEv-OqhxnZ7iM8eG2_tpxOFwbZVSMw~~" data-eligibi=
litytype=3D"" data-eligibilityurl=3D"" style=3D"color: #0047d9; font-size: =
inherit; line-height: inherit; text-decoration: none;">how to challenge you=
r band</a> <span style=3D"color:rgb(0, 0, 0)">help. For those in England & =
Wales, this crucially includes getting your free&nbsp;</span><a href=3D"htt=
ps://clicks.moneysavingexpert.com/f/a/hTK-McyEt77fwnixnN74HA~~/AAAHahA~/VOE=
7H-YRby2Wx-jR6jEVTQZO_lvLdUPSKnecy4g-1o_01v0PayLd5HwQ0NTXzDCpaiVW4XKFDe9qgh=
5WCgqpvVW1buiJEM4jQfyDMOLuFIE37pWS72upO_PrJHwY9FCvekpNzDl8RTBM3k0-14Ad6JJ8M=
I_R0_r72kiKbOQDanhWMFRAdUXGex4yYrTDZh9IGTxUPOa0X0fte0L2xrbTQMaBBtQY-exWNpDi=
fv02XGt2ds2Ufv0NlqvOOqR5a1KfKVrhF5KGjHtg40f4nA9pAnmMpjpop87jngnoMZxoxLoQGvV=
xM9c9LMf9kG6X-kAQeFn_ORlZGyqBSDcpL0NV7-pNE8y-tE3yW38nLFCpCOMtMVlMD9UoWoHh89=
yR2ibfI9N7LY1Me2SWd9hUrKSLdOn9zMgjKBiNgAPNKHJGUDRMl1B-m0Bhi-N-iuRFMFdkfnsA5=
4K7Hdqy1BCiDsZrVA~~" data-eligibilitytype=3D"" data-eligibilityurl=3D"" sty=
le=3D"color: #0047d9; font-size: inherit; line-height: inherit; text-decora=
tion: none;">Property Attribute Data (PAD)&nbsp;</a>from the Valuation Offi=
ce.</span></p>=0A</li>=0A<li style=3D"font-size: inherit; padding-left: 5px=
; line-height: 22px;"><strong id=3D"isPasted"><span style=3D"font-size:15px=
">Do you qualify for =C2=A3100s of</span></strong><span style=3D"font-size:=
15px">&nbsp;<strong>discounts=3F&nbsp;</strong></span><span style=3D"font-s=
ize:13px">Countless people miss out on Council Tax discounts as they're not=
 aware what's available or who qualifies.&nbsp;</span>Our&nbsp;<a href=3D"h=
ttps://clicks.moneysavingexpert.com/f/a/cRIcB6KsQvHq9ObLEYj4KA~~/AAAHahA~/W=
FiX915batiBEWR7PcZT3jp-ifRoVk1BSgXMiI8wtA1PfDDLcYt3mP5-37FjdBv1ChF7_9w0lLpH=
3MVJ5dLe8M1lXjjRBmxDLVL8b5_qa-wVNl2wH5asNuiHTDvO9X0HLBQKHnZEfF21BDXVfwioM7H=
_Uc2sQRprPPerCLQrdDpXNGkvFH4mwccQpKvW4T2A_ONO5X3CcxpxnYtGzNBUI-KS8yhalYCB7P=
VL9X607-THrp88kx_HqICZhJOBmeHTFKp7UdjheU5jzvKjKLvahKc74qdUd9atF8_y_OzqDhz2j=
xpdjv_md9TAVHaB2O0wTJ0C6FpKsRSaTJL3f3xD7rguQtu-ofFFlfrFdC3KsoZutSxM9qKtW-_m=
vIG-drNfGXtBocJ48riB4pZkTgVVRqI_vLvMu6f5MlvyIq0Hp2okV2bGfiNuM5zPei0fsk2m" d=
ata-eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"color: #0047d9; =
font-size: inherit; line-height: inherit; text-decoration: none;">Council T=
ax discounts</a> guide has full details, but the main ones are:<br>=0A<br>=
=0A- <em id=3D"isPasted"><strong>Live alon</strong><strong>e, or only with =
under-18s or full-time students=3F</strong></em> You may be due a&nbsp;<a h=
ref=3D"https://clicks.moneysavingexpert.com/f/a/4jaKEhwp8YZyPqVt2QTJLA~~/AA=
AHahA~/s-EJlEG3tHom05WRaL9gPHhYc4uthnPsVd-VP5SkB0_LEROKwz1KVtYmFTtrfngFfaH5=
BlXLQiI7wJlZjpBXVeuw4-jdrZylw8EdpkICDvojZDDNTKjDOa_Pei0F_shtV_T9ucMCXgL1Pcd=
ZppQdNRb5D4TYPSeJQBGLZq-VE5cdJ8Apqq01ucGv69jvos5MqW9HZ-YN1-jfIDo8YzOVixHzMP=
i5DWfUgqIT8y1MSVAss3M6I_TTU9Akohb75v4TCpJykZH5IGiKOrKVQUpPKyFnB9puTPfNr6DPo=
rLBbP__2yUoFiwqzcJNAIv3CnrzDEPXaAz6OMkf7ZKHEZlXOR6O0kzIm_4UES4YBzip97WSpzOx=
k6y7lXe4ZGcJcZHUoubgB4en4BCMahwA_moa35p_TxQ6Zmlnn8LwaWdSfXEvXejMhj8mCc6AJsh=
R-TS7WZR7BRLyXCi2MGv3E2laqA~~" data-tip=3D"msetip~bignote-two~11" style=3D"=
color: #0047d9; font-size: inherit; line-height: inherit; text-decoration: =
none;">25% discount</a>.<br>=0A- <strong><em>Student-only h</em></strong><e=
m><strong><em>ouse</em>hold=3F</strong>&nbsp;</em>If you're all in full-tim=
e education,<em>&nbsp;</em>there's&nbsp;<a href=3D"https://clicks.moneysavi=
ngexpert.com/f/a/NutNUf8qt4tL_fTtvEDf4w~~/AAAHahA~/lfdLmfEOAKRutZDGqJZxWJch=
X9S8VpnHP5_vxIH7LsDVL49vVcczjqkWWqEsQGLL_0JBnWlxIA9AiPFUkxkRmN87Lb-EhTFIu-L=
iWVpdqZyQ5cNtGkxwG1_BRcEl1GEm5va9sVhxZHJj2l4SeCKontXnlG2vL0zXi8c1dtcFYT5y8r=
4Eil37GBsE0f3xftEi7it_gG5vGZs5sUHJb80hntzc0bo5Ctq82M1rv5N8R0bpkf_zpZ3FQ7I2E=
sb-9bNIw1HkSHpG6oMEkYn0szv4l1pHD8tXvrQv_NQaM_XvDvlsqD97Wl0qfcRpRMgSBBGtmtV2=
yx5cq9ZgFRgd_5tPEUXHzBrq9Huz7IqtOlpLMJj4Hg5mtqX2ugfnLktOVs0bGnMC_o9KdSMCmaK=
NH4qjQb_3FL3OKsNKRq-n6b0OVxJA_aa1GeNKZ-aL-dyXqrUIoDLy9nFIqD32982RwDCExg~~" =
data-tip=3D"msetip~bignote-two~12" style=3D"color: #0047d9; font-size: inhe=
rit; line-height: inherit; text-decoration: none;">no Council Tax to pay</a=
>.<br>=0A- <em><strong>H</strong></em><em><strong>ave a live-in carer=3F</s=
trong></em> See if you could&nbsp;<a href=3D"https://clicks.moneysavingexpe=
rt.com/f/a/mYS3adVRxS81C5O056I3kw~~/AAAHahA~/aVMOEzDuqjzF_v4sOZaXu18u3u7N4Q=
xFgnMs9LUPN7ERuB1WrUIdxsalMbzZOyJkDtuAJtLbn3noSa8wLLsBVezOrWVXOnUxUlRlmsrAq=
OYIjKlN1XYTqmlIJofK_QHzw2A45oIAyYG2aR5Y5AxRsT3MkUL81pm49PYmTXIGsmLFRWCT1xk4=
GgtDkPn9D4tYJqE1365bO_hvOF9WokklciSdI5EygRStvg_r4SkFetv9HIeehjlOzCaZUwLd84a=
YvNOqFawc93WE3CkICq4E1Z0ycxlmvXlI_WGJTRFVyi5kdu6BTjPiADDJ-m29ShhhAK8PksY9fK=
-Fa5qQpGmGrMGVuWMLeyG-vaWUcn8-Mq-HSipVpvUlm3SpZlUwB-n1rZbrKaIV39y9G1I5c5lrh=
bcoqpQqCZUB9ofYdZPFpHYdLJ9I7JlykIhkRo9DossDwdxKTrgAUOlhhPyySp3ALQ~~" data-t=
ip=3D"msetip~bignote-two~13" style=3D"color: #0047d9; font-size: inherit; l=
ine-height: inherit; text-decoration: none;">cut your bill by 50%</a>.<br>=
=0A- <em><strong>On Universal Credit, Pension Credit or got a lower income=
=3F</strong></em> Some can get&nbsp;<a href=3D"https://clicks.moneysavingex=
pert.com/f/a/7dK15JEEGJ9AGuLBNSKxgw~~/AAAHahA~/QhE3zSg_DBv54lNRje6205v_tbgL=
FWpcJxTZ-ulzlmCEAT5pogxJCd9RcU7szGDKG4KQzXaKJbvYZ835IS0CYgzGVjssHiZZlfEUhQ3=
nIUaUm3kmkwiozxysGOaA4Yo2jngD9EaMAzrzyzVeuMQZnxc4-gNk9VSuWlGZRIN6OKnTkgppUf=
JW84vH2ZbXdJ1muoI-C3Lnv7u4q3IqkO1uqdINikOV11fdw-Lg-WJw4B73TFkMLQ4VjgNZL1YIA=
9PLY_B3mSJfAO_VPmyPSjhNL-u5vgscW-iL60y3DK1mCr26ONz41CX3eixAUaB-__lavfootmD-=
F6hoGrG5zud9vIcwLBqYbReQ64rmz9d5VUsb6l7vN_BoQOwSWWf3SOofTK13M4wQSzX0b9tYeGk=
KbhJgPTBH1-wXscdlTmJYNNWhwamyU3FgyJ3Fy1j-afPKkoPZ5ChqPcVB3vHI56P_-Q~~" data=
-tip=3D"msetip~bignote-two~14" style=3D"color: #0047d9; font-size: inherit;=
 line-height: inherit; text-decoration: none;">reductions of up to 100%</a>=
.<br>=0A- <span style=3D"font-weight:700"><em>Terminally ill.</em></span> =
Only around 30 councils offer this, but you could get an&nbsp;<a href=3D"ht=
tps://clicks.moneysavingexpert.com/f/a/m9rT_ciKedd8uujQIf1VgQ~~/AAAHahA~/Zo=
vW5PaAajbNTWNKJUuDU-fAqzNQVOk9CogLFxaRqEobaqsGyUGkKxAMyHVQdkGIox5m4IVJhxSHG=
mFNfPX2k3BXtBzFZVtpNDA2g4AscYdMEBvYWpGZJtGTOoH89oDMLDJoH0_0xpMfJooB1h_C_SIw=
aLuJU28YRKzeky4gn0fmWPd-TT19S2MLDQ94TdKMoHUWdGz1jfJDR961-Sux-s9qCB4pAqCKt2t=
S0pKUIcQF3cs_nodqPQ_eawloE1vc5ZbPrzwc2_Jy84TdfBP-sATNsdUtZ2t7w5fAzu1YJi4Plq=
pL31pLWB4VYGT2Z2nlkH4TGzC24Vg8iv4kSBMC7lagb6is67pVge6xF2jarQwt6oNRCu57xvZPR=
E_ua_5_-J2jwLWcQ_ech1b2H4MxtHSkUSsQbu4wEq_w38nzOmJAutHrGQe64ekxv8PSVHLpEG4a=
3WsNcO5ukpqKalzE6A~~" data-eligibilitytype=3D"" data-eligibilityurl=3D"" st=
yle=3D"color: #0047d9; line-height: inherit; text-decoration: none; font-si=
ze: 13px;">exemption from paying Council Tax</a>.<br>=0A- <em><strong>Adapt=
ed property for a disability=3F</strong>&nbsp;</em>You could&nbsp;<a href=
=3D"https://clicks.moneysavingexpert.com/f/a/kpS98Jbebz37gcMlNvlxbg~~/AAAHa=
hA~/QhE3zSg_DBv54lNRje6205v_tbgLFWpcJxTZ-ulzlmCEAT5pogxJCd9RcU7szGDKG4KQzXa=
KJbvYZ835IS0CYgohrizITyAe4A25yFbD_jDicD9P_MD4x3LeXmz9lHj7a69e0Ylbdjup-VUxNl=
vBUImNDQh59mpieU8ZKMX_n_GWwAFN4D24YIqtjCN0WFr-iMaFU4dEy0liwBx-X8nbi1hTH1ojs=
hbkyufmpnwx9vcbhqvu5fxmqF2VK9EJC3NVuHJvPzYFs4ZbvnRDU3TL5fg3P-jI69gzCQp-T22h=
ADGcC-8Cmfxo2BINHk0Tf-jSX0YHkARrZhh0u8bpJnB-o2bXApFmdDuODl3OCp9-wGLMeH25Gan=
ZdvGIKQsuFKPiLaYVWAdGMuf7596Eaeg79XR2awqgU1QIC5kucvvZox-CF94UNeQyBbQ7Lev7AJ=
ElziHsg6gEwRSiA5kcn26iaQ~~" data-tip=3D"msetip~bignote-two~15" style=3D"col=
or: #0047d9; font-size: inherit; line-height: inherit; text-decoration: non=
e;">drop a Council Tax band</a>.<br>=0A<em>- <strong>Have or live with some=
one with a Severe Mental Impairment=3F</strong>&nbsp;</em>Eg, Alzheimer's, =
severe Parkinson's or a stroke. If so, and you're eligible for benefits (eg=
, Personal Independence Payment, Attendance Allowance),&nbsp;<a href=3D"htt=
ps://clicks.moneysavingexpert.com/f/a/mT2AvpeMWYj96fcDRGltlw~~/AAAHahA~/5QG=
rsAKqW-SRAcnFNd8LKN6cJDrFp9RWZWgScRspxubw0Xi5C-LKwq12QMQ6TpuSpwRWCfxn6AQuQ9=
1LBc6nZB0TXf-EfYwhkjWr3aITYgPmgXzhhejFkpracMahfI96ReP5213GZOMNMHPxcERfooh2-=
7G4ZlEBtJDIZzng301ttN2t2gqwAXT128s2DNc_xZ_-_9mVNetNYMiU-EEFxzEdQPXP8RUlHTCv=
AlKo5ykLrL6ESxTvjUn2D3CisJevucu7iE-Uv5bSVYNwNtDT1n89jGCGbKKn9Bo5yw52yu-bxUe=
1G5bcFb6ZCvCih_iMlHUm6O3XNG77jgCp8glG_5EASfKs-E3TiAd4W-6DitY021pLk8vdRWpE26=
lnUkP9E7vbWfxW2sjroZHtfTETWlHDKFLJxS8t0epaECc-4k0ZF0qGqMoUXCDZCeKt6D51jcRR5=
VKp45cAr6j2THtH1RYNSDoYHEAGUmrGZyIOb9k~" data-eligibilitytype=3D"" data-eli=
gibilityurl=3D"" style=3D"color: #0047d9; font-size: inherit; line-height: =
inherit; text-decoration: none;">you may be due a discount</a>.<br>=0A<br><=
/li>=0A<li style=3D"font-size: inherit; padding-left: 5px; line-height: 22p=
x;"><span style=3D"font-size:15px"><span style=3D"color:rgb(0, 0, 0)"><stro=
ng id=3D"isPasted">Moved home since 1993=3F You might be owed =C2=A3100+.&n=
bsp;</strong></span></span><span style=3D"font-size:13px"><span style=3D"co=
lor:rgb(0, 0, 0)">Many people pay Council Tax in advance, so if you move to=
 another council area part way through the year, you could be in credit - a=
nd entitled to that money back. See how to claim in our</span></span> <a hr=
ef=3D"https://clicks.moneysavingexpert.com/f/a/nKu1h8kBbjp0VOlpd-qEFQ~~/AAA=
HahA~/YxF9_Y77y0EcrentLdPu2RmYl4Q88AuEX47LX9sUnQPwD5waQPu2zu2a8QHI8-keoZWB6=
JPu3JuB1yjysITt8Q9xNfejm8AeKposKKQiW8yk0WWJa-TLZPAT1iz8WiWxOkOdOGeQMDpayzOX=
2mp77zKwW7eB6kCED8gSu68Ok6bDAcuVh0dSbRen5tfg1DPWRtBPNkaaTbt_VPR1xURE33WjZnf=
oiyv83U8OsDTnVu9uH5iDJoUuNW2KN4w-nKpNYcNtN5CYU3B5LVf6waZVmqTAKLHJFlwukeWh1T=
3XnYA5O0E0Dq3vdGa4Ukayp7rXm2NERD3CJgChKcRmqVAcF9MAhBN4fxXv-aUNULNt3-l7MKDUV=
DFurBwuSxdijPOq3pZdxhYnSJVBSMmtksqAjko7yVJmjdfMA_UR8gFa5ORZAtS27_gc_XpHolzf=
u6EBYzdW525BKpOswndgPhTfrQ~~" data-eligibilitytype=3D"" data-eligibilityurl=
=3D"" style=3D"color: #0047d9; font-size: inherit; line-height: inherit; te=
xt-decoration: none;">Council Tax overpayments</a> guide.<span style=3D"fon=
t-size:13px"><br></span></li>=0A</ul>=0A</div>=0A</td>=0A</tr>=0A</tbody>=
=0A</table>=0A<div class=3D"empty-gap" style=3D"height: 10px;">&nbsp;</div>=
=0A</div>=0A<div class=3D"full-width" style=3D"width: 100%; min-width: 100%=
; margin: 0; padding: 0;">=0A<table class=3D"container table--yellow nt-one=
liners" cellspacing=3D"17" cellpadding=3D"0" role=3D"presentation" style=3D=
"border-spacing: 0; border-collapse: separate; mso-table-lspace: 0pt; mso-t=
able-rspace: 0pt; color: #000; max-width: 760px; margin: 0 auto; width: 100=
%; background-color: #fefef1; border: 1px solid #dee4ef; padding: 17px 13px=
 0;" width=3D"100%" bgcolor=3D"#fefef1">=0A<tbody>=0A<tr>=0A<td style=3D"pa=
dding: 0; vertical-align: top; font-size: 13px; line-height: 22px;" valign=
=3D"top">=0A<div id=3D"oneliners1">=0A<p style=3D"margin: 0 0 15px; font-si=
ze: 13px; line-height: 22px; text-align: center;"><em>&nbsp;A mini-mini bye=
-bye, for now, from me (Martin). For the next few weeks, I'm taking a wee s=
ummer sabbatical to focus on family, fitness and poor golf, so I can rechar=
ge my and my laptop's batteries for a big autumn &amp; winter coming. While=
 I'm off, the site, this email and the next few, will be in the very capabl=
e hands of the MSE team.</em></p>=0A<p style=3D"margin: 0 0 15px; font-size=
: 13px; line-height: 22px;"><a href=3D"https://clicks.moneysavingexpert.com=
/f/a/-CoqWlzw4g4V_x3oW2Jeeg~~/AAAHahA~/Y6pjWORaRT1lOPbU2av5azwx1lspQ-Rx3sDE=
ZUbpxde2mtIn6rzl4hchE7MNA4XsOy9y23y9npjdeLox23g0nISqYypAtRVBHUcpqq4NUmcHOyJ=
T9K1M7kj6_Voq-i8JyJqILNT3pTNS4MHX_r1VMxLKB9NsknleYGEhOcKvTak_7e9Q4VgMl52806=
ZamFThgVgrNrap3uLCoqfA39eKBOSQCggidl_iLVQuaaTgR-KiIuej-I5jf4MgC58ToGwPirALb=
GZWynRp8M-PbaswBW6guiEiJcsc6webcb-PhCqfV48o4gedMlh81JftK9aVk__mkaHR7exzyih3=
_NnXt8p9TI4iWPsdkH_wf0y6kYwMHxOGw87lM8E8u5zXgUuwXI6Hlw0CsBRY17PC_pEYhn5OIt7=
gjT5VSn2boYmQsIzrzKk_IBG4A3mppmLReKusat4gF4jKi3M6MyIkgCLElDm3t2z5SIn2Lob4fP=
mmJLs~" data-eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"color: =
#0047d9; font-size: inherit; line-height: inherit; text-decoration: none;">=
<span style=3D"color:rgb(198, 32, 53)">Ends 11.59pm TONIGHT.</span></a><spa=
n style=3D"background-color:initial;color:rgb(198, 32, 53)"><a href=3D"http=
s://clicks.moneysavingexpert.com/f/a/Ovz-M5mmlX--Hz9rDaoxEg~~/AAAHahA~/Y6pj=
WORaRT1lOPbU2av5azwx1lspQ-Rx3sDEZUbpxde2mtIn6rzl4hchE7MNA4XsOy9y23y9npjdeLo=
x23g0nISqYypAtRVBHUcpqq4NUmeoJL-vFYK2MkcKWfHqMUmkOBtVeJ7VFjKsyZr7XG04oJLXe4=
TBjFaFPdlxkEYZ3EraOSJxGOedvnOBBaPkH4vBtPyLjyLVb9AwuKmrLa0Pdq95oiHjp1utIOsXP=
xMB1oWyDCG6kXnjpl6NLs9QOVQavs-RPxBffWBoWUrdA_7ah-QRZC5tqhXQN67nfJL_61DugcoL=
VWzrdVeMiuHldhX3ZdLgXMAl7iCmDP_5yD7XKZTaoZa5jkckwowavLtJBAyuNGyxx2-GKCqvj1l=
5c8NMWP8OTAweuunux5S4qz7WtzM9RqzerAJc637fxZ_9eRnlniCcZhCKsqoxdMsCXPJJ_RQSuT=
4OifiNIzFmDnzOQU4paNbeNmRO-MpsKn9fGsQ~" data-eligibilitytype=3D"" data-elig=
ibilityurl=3D"" style=3D"color: #0047d9; font-size: inherit; line-height: i=
nherit; text-decoration: none;">&nbsp;</a></span><span style=3D"font-size:1=
5px"><span style=3D"font-weight:700"><a href=3D"https://clicks.moneysavinge=
xpert.com/f/a/1DghQbrDAj64xGfK__T6aw~~/AAAHahA~/Y6pjWORaRT1lOPbU2av5azwx1ls=
pQ-Rx3sDEZUbpxde2mtIn6rzl4hchE7MNA4XsOy9y23y9npjdeLox23g0nISqYypAtRVBHUcpqq=
4NUmfzVRWJy17ECFhBVpyU_0Oue14BkFZdPsOuX-RMeQj-H1mu0bQu0SzsQJtl2HLLRlrJT_6EL=
3W3gQOkUw3xUOFHbdyckOOEeDvl-uSAAHdFApBBX7oMN7ETfK_rSE2aga65cbfNtsodTpX9PFxe=
x4BQrsgbPt8O3lT1q8JOFyIpxYh-qHUfoGjhiRbXTE2SfGK74jb7p3E9Wh3F_7xSV4kFSJ6ra93=
cZ93cLyrQcWvw0WP5DIyyE0uCqMVumWREZBgLC5GwwrtJNtakn-y_TM8a-h0EmHT9VvIGwTm6u5=
gVc9QyKq5jGv2LODAbQIK2tZjdZgtRMnGRe4rSRbQGEc6jtio7pNVnjDq6l1tXTWJ6h-tVhqEfv=
x7-vADSZT1H0ew~" name=3D"savings" id=3D"savings" style=3D"color: #0047d9; f=
ont-size: inherit; line-height: inherit; text-decoration: none;">5% easy-ac=
cess savings (with an easy =C2=A325).</a></span></span><span style=3D"backg=
round-color:initial;color:inherit">&nbsp;Until midnight, newbies opening th=
e free current account at app-only bank&nbsp;</span><a href=3D"https://clic=
ks.moneysavingexpert.com/f/a/pb4d4SzrvPzQvU06W811ow~~/AAAHahA~/LOx3RbrKFxXx=
GqyQ1Lz697qb8YklnHCKXyLvR-OI5HyScilg-9Vr7LenJkn5hMjslj5BsHpQ0diWUZFh0LsWipp=
dmiCJWVKO2gOyi38pqa1TreohadREIJsCAgAkZQVOXH8r4S1tGCx0oBl08FHlHg4rhVqvf45fq1=
7yqyaju5Fex7ncIZYjwyyjd05HrJF97Ngx90P3JjgdHNltzMAxwAGjSV0nHEATqR4vLsHSd---7=
G7-Ych5bxfV8VccozUs4_5kM9DrY52_TYDsPkUIhQOJ4ZvEsBDSzdvC7HboSTdgaKnFtgif4X-t=
b1e-ewjbBsBfkf-6Jm-lGeuI_XFx4OTrqTL0J6ZxIwkJXRK2CictsaJswyLlfel5U1v16Os9CIM=
8KWd7J3Y-8g3qV4IdmgvGHnEcGcZSdwVFz9v6m4E~" target=3D"_blank" rel=3D"noopene=
r noreferrer" data-tip=3D"msetip~oneliners-one~6" id=3D"isPasted" style=3D"=
color: #0047d9; line-height: inherit; text-decoration: none; font-size: 13p=
x; background-color: initial;">Revolut*</a><span style=3D"background-color:=
initial;color:inherit">&nbsp;(no need to switch)&nbsp;</span><span style=3D=
"background-color:initial;color:inherit;font-size:inherit">can earn a top 5=
% on up to =C2=A325,000 on its linked saver, (though only for 5mths till 4 =
Dec). Plus</span><span style=3D"background-color:initial;color:inherit">&nb=
sp;via this link, you can get =C2=A325 cashback when spending =C2=A320 on t=
he debit card in the first month.&nbsp;</span><span style=3D"background-col=
or:initial;color:inherit;font-size:inherit"><span style=3D"font-weight:700"=
>Other easy-access savings options:</span></span> <a href=3D"https://clicks=
.moneysavingexpert.com/f/a/-TBq2HKhAphYV8c9cE_VHA~~/AAAHahA~/eVzRg4TBq5SxV=
YUaAHwOLSNtAL_tM1qOF_F6ME8evhECMH4icS4fWBA6Kn0LNp-gT6PsAn5oWx33g9i-6-5N2aOF=
LnbSZJNM6HLMx9OAKSa4NO0GK27Q4e_LbllxTRzBGEVC778rn9q4wLBThoJ4Oj1U9GmEZGcnvKv=
9vJoQXkiuUAsL8SjuzVHZRVKpDShN" data-eligibilitytype=3D"" data-eligibilityur=
l=3D"" target=3D"_blank" rel=3D"noopener noreferrer" style=3D"color: #0047d=
9; line-height: inherit; text-decoration: none; background-color: initial; =
font-size: 13px;">Santander's Cahoot 5%</a><a href=3D"https://clicks.moneys=
avingexpert.com/f/a/k1DLVU0kanuncbEln50uNw~~/AAAHahA~/eVzRg4TBq5SxVYUaAHwOL=
SNtAL_tM1qOF_F6ME8evhECMH4icS4fWBA6Kn0LNp-gT6PsAn5oWx33g9i-6-5N2aOFLnbSZJNM=
6HLMx9OAKSa0NqS5eBTeUALWCCG2BcGG-dxD2xKw2x2zSUzQSHsKTW9G6Sk6eAUVmNI0YSJqd7a=
bRgXLc_CW_a0zvwl6bb7j" data-eligibilitytype=3D"" data-eligibilityurl=3D"" t=
arget=3D"_blank" rel=3D"noopener noreferrer" style=3D"color: #0047d9; line-=
height: inherit; text-decoration: none; background-color: initial; font-siz=
e: 13px;">&nbsp;</a><span style=3D"background-color:initial;color:inherit;f=
ont-size:inherit">on up to =C2=A33,000, this time for 12mths. Or&nbsp;</spa=
n><a href=3D"https://clicks.moneysavingexpert.com/f/a/t2G0xyXDA0cq3sfnMsy96=
g~~/AAAHahA~/LOx3RbrKFxXxGqyQ1Lz697qb8YklnHCKXyLvR-OI5HyScilg-9Vr7LenJkn5hM=
jsf2fRzS0TxcyF3lb-zV4O1WPwWuXSqUSU44dBnXznJKy6W2xIUQT5dbbfxHBPvui7FWq_QvokW=
fQ44dQfFjy6p06GL4SfF_u1WqyR2mrhw2Q5dfARHOzwCHw7KOhZ4SXSRgHvEBCL6_peHKCsHvQd=
nkDxCTl1-y77qgoWLWnUe4DTC_36gCmQinI_rHpQR-1qR5KkqzLfM-i6-DZzbmYwpFBC5rcYodI=
PoFKnXmKcxnVzQYdx60nYf1F2WtKrmtOewdz4_EodMJThl6wlbnBrxl5p8kSOOghi8dVKBpePqK=
U3VycUitUmprSBZGH9855Gdb0NdwDaRXqtwGvymFpXpyisw5LfqCVFLoc2WhWol-s~" data-el=
igibilitytype=3D"" data-eligibilityurl=3D"" target=3D"_blank" rel=3D"noopen=
er noreferrer" style=3D"color: #0047d9; line-height: inherit; text-decorati=
on: none; background-color: initial; font-size: 13px;">Tembo pays 4.55%*</a=
><span style=3D"background-color:initial;color:inherit;font-size:inherit">&=
nbsp;on up to =C2=A320k, including a 1.55% 12mth fixed bonus (only paid if =
you keep the account for the full year). If saving more, a different accoun=
t</span> from&nbsp;<a href=3D"https://clicks.moneysavingexpert.com/f/a/XfzS=
38BEwAvZVO-8rXuSEQ~~/AAAHahA~/za3XFiNazBXj65upB5bhY_KTtAH4v9MLHUzKR-JFxEYfc=
jOuu0GV1o8SomAKrfdIXBIhXmMDv8knbVzpJ7gkg7Tk8c6O7FcpmYpHhTLM4MHAN13C3smuNyZO=
YgETjioLXMHUEJGyOKyiyYw_E1MJWbjRqd8KcbbSYUISzqyBtx3pAmkVmq-HheQ-ekdArzzM" d=
ata-eligibilitytype=3D"" data-eligibilityurl=3D"" target=3D"_blank" rel=3D"=
noopener noreferrer" style=3D"color: #0047d9; font-size: inherit; line-heig=
ht: inherit; text-decoration: none;">Cahoot pays 4.52%</a> on up<span style=
=3D"background-color:initial;color:inherit;font-size:inherit">&nbsp;to =C2=
=A3500k, though again it only lasts 12mths. Or if you need an ISA,&nbsp;</s=
pan><a href=3D"https://clicks.moneysavingexpert.com/f/a/CgQw8htPwS0thE7lY2K=
OeQ~~/AAAHahA~/LOx3RbrKFxXxGqyQ1Lz697qb8YklnHCKXyLvR-OI5HyScilg-9Vr7LenJkn5=
hMjsp-CGL-1ARNvR3HhumqBCFcIArR4m5Yt1naWf1IFnnY6WJRxr3LbnnpIFw-ba41B10c-G-af=
uAYKjDR3bUjG4QOnAkKm_kN3epvWw2TNZUq1Q19RitRDODiRucf8w0gB7b-0FfH7RKeNSyYq2eX=
Ah70Ki20FhhT7GCz2sa-2ai9b2jrvyKTgphdNzTTQ-ALPRHppGnlBU-RX9zDEix19NpCBDGXCy4=
7XPY9Ic3vsy3tYNYvlpYy-v6_K-o4wMUrvde5F6ZQhqVqXr4rVSIwqzG9VXlr5B9yHzsPcg22Ev=
Rjaaec3kK9eaxcm1LKoEqDtksr6lYhGlnr5v8wju6TQpTKKW0YyZpZX1q5juJ0O7Wpo~" data-=
eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"color: #0047d9; font=
-size: inherit; line-height: inherit; text-decoration: none;">Trading 212's=
 cash ISA 4.51%*</a><span style=3D"background-color:initial;color:inherit;f=
ont-size:inherit">&nbsp;including a 0.91% 12mth bonus. See full info in&nbs=
p;</span><a href=3D"https://clicks.moneysavingexpert.com/f/a/22kAqyQI98oqUH=
EhAXrpOQ~~/AAAHahA~/Y6pjWORaRT1lOPbU2av5azwx1lspQ-Rx3sDEZUbpxde2mtIn6rzl4hc=
hE7MNA4XsOy9y23y9npjdeLox23g0nISqYypAtRVBHUcpqq4NUmf3fQIaxmDy0bMJ9PfwEq_BAa=
ID16vwUmzE4vgpgcmS2X2vPTceYZHhCf1rtq-I3AdQmvzh3ATa7vBqE4WOOkMzvNH5JI1VxHVm_=
D0Oo6kTa8pKPagKzDHzzFs8hYlLouPmxefIL1t5i9utSdsONf7An3WJ-xrmJp5HrplF3U0-DxAa=
8Rob8YaPcz2rXRUGRvEud263rr8C6o_obLSHFTqMoUBpzzYJc_HciVMz7iTx7PwZ-fyFnlgKr5m=
X8be30ROC6OUbXzmroz8mEs1nn5eLr2MW8KhEHox21dYKcnHe1IfAeecUkWLHiOl5OeeM6bEyeK=
Ku5Onb0w4F8i6gvbRkhxhmx8X2eN_Y5OoF8-HBb9WA_SZ_E9WAJondnhb3OJY~" style=3D"co=
lor: #0047d9; line-height: inherit; text-decoration: none; background-color=
: initial; font-size: 13px;">Top savings</a><span style=3D"background-color=
:initial;color:inherit;font-size:inherit">.</span></p>=0A<p style=3D"margin=
: 0 0 15px; font-size: 13px; line-height: 22px;"><a href=3D"https://clicks.=
moneysavingexpert.com/f/a/7l3OSinViuurQNZlbMHa0g~~/AAAHahA~/dNQdvx7szutxLDe=
N81QO2tSfFkVNl86fJB92qeRnJP8X4N0GyHxop3hSxbTiZ0bdTehO_pDsg1o5Jt19O2NtKYsqGH=
q2e9E6DuONN--c5q31-41Xl4I9xgfXXuMy304v5DSdENJGBvjApr_kq9KzEQcZ0OvsUbNSqPkfY=
Ukv9xQ~" name=3D"drivinglicence" id=3D"drivinglicence" data-eligibilitytype=
=3D"" data-eligibilityurl=3D"" target=3D"_blank" rel=3D"noopener noreferrer=
" style=3D"color: #0047d9; font-size: inherit; line-height: inherit; text-d=
ecoration: none;"><span style=3D"color:rgb(0, 0, 0)"><strong>Martin Video:<=
/strong>&nbsp;</span><span style=3D"font-size:15px"><strong>Why you should =
check section 4b on your driving licence.</strong></span></a> See Martin's =
<a href=3D"https://clicks.moneysavingexpert.com/f/a/cXs1-wbrrvarIIlC9IcywQ~=
~/AAAHahA~/dNQdvx7szutxLDeN81QO2tSfFkVNl86fJB92qeRnJP8X4N0GyHxop3hSxbTiZ0bd=
HRDre1-X63G9pLdOvVqFf1c9H6HaMsD8rzZxo6AVWN7gp1P0mD5Zq40kiuVA5u3SVsH0qBstypF=
pXjyBhBQzikfIVqy6_xf563UDTcIZXew~" data-eligibilitytype=3D"" data-eligibili=
tyurl=3D"" target=3D"_blank" rel=3D"noopener noreferrer" style=3D"color: #0=
047d9; font-size: inherit; line-height: inherit; text-decoration: none;">60=
-second driving licence need-to-know</a>. Plus, you can also subscribe to <=
a href=3D"https://clicks.moneysavingexpert.com/f/a/MAjezzeUNT0FK98Op4n-FA~~=
/AAAHahA~/HTqlxHDDqy3PcsCpf6ttGHQM_GqzHZM7zuBfOsRfYlRpa02SfjxxN_vGTYQ03PQEW=
PP7hPLpdTsNazwaHelnUfnQZSVW4ZTAyB8xYDIxSVq6C57wQcjv-NA_hy9HEAVA7Bu5h-d26Lt4=
HYZxSpmppwQzxpnhutGuRjKOmtZbURU~" data-eligibilitytype=3D"" data-eligibilit=
yurl=3D"" target=3D"_blank" rel=3D"noopener noreferrer" data-tip=3D"msetip~=
oneliners-two~4" id=3D"isPasted" style=3D"color: #0047d9; font-size: inheri=
t; line-height: inherit; text-decoration: none;">Martin's YouTube</a> for m=
ore.</p>=0A<p style=3D"margin: 0 0 15px; font-size: 13px; line-height: 22px=
;"><span style=3D"font-size:15px"><strong><a href=3D"https://clicks.moneysa=
vingexpert.com/f/a/ZWQTdssgur6IsOTkEIw6wg~~/AAAHahA~/s-EJlEG3tHom05WRaL9gPH=
hYc4uthnPsVd-VP5SkB0-pLRPb8V1LiDD4qazWpU5b_V9a37hGUVT8okCK91nOM7CaUHnbtKgHO=
wRgL_QCuw841dffgD1zwYThBFZEtw_HoV5gPIRhJakwG-Mgb1Y1de4VXukJlLnIsRkGXzmSbzzp=
a2sFmo4hgZ-3uUgp3QP6QlsdmCXoALB8nfZvEB81Wn8DernlU0WWlhPLZkwYTbPa-kMuOdHM6b7=
DaBLer8k9vnsOXheec1_ukTIkync6DK_fsWDYSnRYPQMaJgGlSOXLcNX2GDVIEzmoTD5taoxBoK=
ulDhoVz7euXO_BI_wkbcb1ANyX3ezd_CZIlhnNIuO5va2MsKkFdLCWSLFYZGXbwtc7HYK5FPOWW=
ybugXQs9czW6Hq0WsV9ykC8Ami_PDujLHjRfdE7OppK8mKJwPy16jRyn4GSJDB30b33rJkVIw~~=
" name=3D"stoozer" id=3D"stoozer" style=3D"color: #0047d9; font-size: inher=
it; line-height: inherit; text-decoration: none;">The Biggest Stoozer: meet=
 the MoneySavers who've made =C2=A31,000s manipulating 0% credit cards.</a>=
&nbsp;</strong></span><span style=3D"background-color:initial;color:inherit=
;font-size:inherit">Plus, if you're debt-free and financially disciplined,&=
nbsp;</span><span style=3D"background-color:initial;color:inherit;font-size=
:inherit"><a href=3D"https://clicks.moneysavingexpert.com/f/a/AwTO7vS-_xinm=
jXGIs4-CA~~/AAAHahA~/s-EJlEG3tHom05WRaL9gPHhYc4uthnPsVd-VP5SkB0-pLRPb8V1LiD=
D4qazWpU5b_V9a37hGUVT8okCK91nOM7CaUHnbtKgHOwRgL_QCuw_Qw_1U_8VRwgk7JbMWI8JNi=
JJFrvaHaLBJyh8jd2383XJkMHUqYz5OLhM6fT4c4Ck6g07taf51z26Pp6wnYgIglAGnrpCxC-F-=
A6dc2e82UFkUzT8G2h3QEHivb80nhd4lWZ8h4RDkLTxB_NnsoEWwfO8J8nPzlj2NDN8YfBZRJcd=
6px1NmIolXQubevMLmDlCN2slecPfalDJ17Wx1YPXyJArKRc58Spj76zh1u92WHPd7JdLOvyGNp=
7Xyi82NxBivBY0ZM_16_Uo9H0m6O3hvIReXe1IMnA3qcqgkAi5ZxEhT3iBRrbJ3OiQXO9bzrvvn=
hrds14C15m1Md_TFhOaFD86YuVgdy9y20ND4Hv-3w~~" data-eligibilitytype=3D"" data=
-eligibilityurl=3D"" style=3D"color: #0047d9; font-size: inherit; line-heig=
ht: inherit; text-decoration: none;">here's&nbsp;</a></span><a href=3D"http=
s://clicks.moneysavingexpert.com/f/a/PAFCOqBkJquUiC8tZApJiw~~/AAAHahA~/VOE7=
H-YRby2Wx-jR6jEVTQZO_lvLdUPSKnecy4g-1o_vdBSb0TcJQ8CTB4P-Qd5gzhuqQsDp0BpM2Ws=
oYAW0GDz1skNZX-wI2HCEsg0RbOgLVmG13kNABlCcXJLE-u0rAV0YJG_y-2tzWwlZrhee-GD_qy=
mAYO-YbKxZkX4kirwc-qeNWbrtOxCGCscdIXvxHiKO33oCd4h-jIHprjTquhXzJFxbgxob94K8q=
1KXyuFc0td18K1J2Jn78kBMQyrfnErBXn7S6yMsIzBFwCnlFaZGR_hAaQM8c77opADi19xjotZJ=
5XRLKPYFJIySwdyBGn3dWog_UUsdIBG19AVfZeUMJ7x-ZRTFC1Flwra9Q5BsNZ6YENCZPTF74Z4=
oB6mN5c-2X2DGOuRz5wjoPMMs18b7Rn4RW3SIpp5lbyI0CAdVFV0YLmW8HaxY_8Z4T0TVCDhGGc=
IV4GOkoJORw2kfjw~~" data-eligibilitytype=3D"" data-eligibilityurl=3D"" styl=
e=3D"color: #0047d9; font-size: inherit; line-height: inherit; text-decorat=
ion: none;">how you can give stoozing a go</a>.</p>=0A<p style=3D"margin: 0=
 0 15px; font-size: 13px; line-height: 22px;"><a href=3D"https://clicks.mon=
eysavingexpert.com/f/a/j_JqMDaZ2QPteRjfzBjZ5A~~/AAAHahA~/fT7lCMxbqMOKQRfpJj=
4-P0Onl-djfIq-cuLU3ekJDK2yNVDmuR2rgmJX-Vo17VZgEwtgzPuY2Ge1kEUtfULxBXvMJN6MF=
xhrg1DkvUb8AHDKO-BrjF0e4tzhW7G6JhLxR8Lws1OQmjkFw6bZdVxzllGU2fz2BmFA0inPw3sq=
kWG2UsoYn-Qm8DCcAACY9lxI6cQI4IT8xr7O1k8u8Ev6AgHMp_pf4AnhMkNs8aQ6chHM0N2qb-t=
HLKUL4gXtaP_iQ-9ZAYsWzkcbrlgLbTf5gUfhDoB-Vh6fruybZEBxH4X83rMIVThAgpqd9x_0QA=
HEgsixtWA0Ll7E7qORSy502VWOHVISS6KsPWD29-oRULucm8vJwKvNOE-MHYPEuyufhoeUInPge=
3_fGmOIc5F8oAyc5UD96ifXHriWeIhDPJuuU3bYxLWOJ_WRTgryB39KzfrNHzjl-XpI0_Z4VGD1=
Qg~~" name=3D"shark" id=3D"shark" style=3D"color: #0047d9; font-size: inher=
it; line-height: inherit; text-decoration: none;"><span style=3D"font-size:=
15px"><strong>=C2=A3150 Shark Freestyle Max cordless vacuum for =C2=A385 wi=
th code.</strong></span></a> <em style=3D"color:rgb(0, 130, 132)">MSE Blagg=
ed.</em> 5,500 available. <a href=3D"https://clicks.moneysavingexpert.com/f=
/a/--NMy_xkAmBbBE3dZuBmTg~~/AAAHahA~/fT7lCMxbqMOKQRfpJj4-P0Onl-djfIq-cuLU3e=
kJDK2yNVDmuR2rgmJX-Vo17VZgdqDdtaaQhHFvHK2_xWBwosSnaOwFyAokI8msIIepEMTlSSsBD=
yKbtsv7PsG92XeySnQ44lABnq8o3MkS3g7IzFD5miTFXnqzGLT0b1U4-XIq8ZS9J2QrwNVqrwnC=
M2AGqVsFnGHaIhFr1YsmdWlygEExHlKfUHGXK6WXZbtTlNW0RJmVndS2hr9F7ariiHII08DOwas=
jestXA4jibafQdbkpr5SuDtSo44eFIbPxRhddTrLHjgkZBRHP7IbanBI04vS1myAQZ4PLuWgBVn=
Rl42gHFD5jfisMy2FBFG5BUKjqzXZlE7u6inPg_jED2-vnoXyklVCcj0Do3wsbSsFKKFm1ER2T3=
uJ1JjG0XTNKkiA__0Ylkf-gOl-S1E7KfNQqu4ZECCCCvzyR8LfaqYJJcQ~~" name=3D"Shark"=
 id=3D"Shark" data-eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"c=
olor: #0047d9; line-height: inherit; text-decoration: none; background-colo=
r: initial; font-size: 13px;">Shark</a></p>=0A<p style=3D"margin: 0 0 15px;=
 font-size: 13px; line-height: 22px;"><a href=3D"https://clicks.moneysaving=
expert.com/f/a/ijP78Kzlm2VZfv1D2Qgi7A~~/AAAHahA~/aVMOEzDuqjzF_v4sOZaXu18u3u=
7N4QxFgnMs9LUPN7H9PRlyK29LJIqw3RvKGQ3zZJFJexd9gWTU1AyBUxa7L0P6NJjCFLQ1peSMh=
8TWzzjjxLFWeVuzIsNxJWrdjK_ULScgFzjpJ9H-M0hWF-4Gwz-iRc03HHX7zdFrHpMx02UHP3DR=
OIa8glDu3CUhLJPE31xEsxpneQ2O-RbEB0gvnFaiYh678NzjXi9N9ho3omdfZDphVbJqkJSC3Vx=
Crk1VMFTsblLBGEiR_M6_xkreHPhYqdFSF9PaZRTDh_aWFIV8aTyTUodMWJqlhbMJnN48R7lrEW=
NJP57-lVWObaK4WZrDOlhy3E7Rc0Co48_NmEXxyocUM7lw_MLoCPdEvNrGWfW5QG25AtrgKWN3t=
uaMq14_zuc189A8bOiM08TSsLgXfUygvXTBux9JkDhqRHVwYQ9Z_ipCdSq-vkBtowRZHw~~" na=
me=3D"sky" id=3D"sky" target=3D"_blank" rel=3D"noopener noreferrer" style=
=3D"line-height: inherit; text-decoration: none; color: rgb(0, 100, 218); f=
ont-size: 13px; background-color: rgba(0, 0, 0, 0);"><span style=3D"color:r=
gb(198, 32, 53)">Ends Thu.</span></a><span style=3D"color:inherit;font-size=
:inherit;background-color:initial">&nbsp;</span><a href=3D"https://clicks.m=
oneysavingexpert.com/f/a/UmyggAvXiNvWMkml2zW43w~~/AAAHahA~/aVMOEzDuqjzF_v4s=
OZaXu18u3u7N4QxFgnMs9LUPN7H9PRlyK29LJIqw3RvKGQ3zZJFJexd9gWTU1AyBUxa7L0P6NJj=
CFLQ1peSMh8TWzzh9XYsVy2ZvscTT8k2w6zVVSgY6hTEEYg6Ti3Ur3d2faLm0pbbxwAs0frio-7=
oaGlsn09qmNRVB68RGN6c9xGuVUdrEOxH-ZfmGNPJydP4I-XHRtM7tA3HFJyF1ecUYzPZpNqH6g=
iegT7kZa34QQm5udzKCDYYLwREGDgTi9NSq3flKoKvlADBuXpcrHDIz82_KxaCmBNmhWEQKAOqp=
vBMmCxoahkWHidRLf46_Z6WHQGHSud6TA407Ui89mXIA1tSbClVq-rxYhP5WO62KhqfPP58s4XO=
iM3JapcuEj3J3MpH4REjFI_KV16tP3aDZdUOr75U03EutoWXP8ivmEPXTVweg_dsI0q0v6wWPws=
yCBA~~" name=3D"sky" id=3D"sky" target=3D"_blank" rel=3D"noopener noreferre=
r" style=3D"color: #0047d9; line-height: inherit; text-decoration: none; fo=
nt-size: 13px; background-color: rgba(0, 0, 0, 0);"><span style=3D"font-siz=
e:15px"><span style=3D"font-weight:700">150Mb Sky full fibre broadband '=C2=
=A317/mth'.</span></span></a><span style=3D"color:inherit;font-size:inherit=
;background-color:rgba(0, 0, 0, 0)">&nbsp;Switchers can get this&nbsp;</spa=
n><a href=3D"https://clicks.moneysavingexpert.com/f/a/iKB5vuXOcO3x4uCfHZH03=
A~~/AAAHahA~/aVMOEzDuqjzF_v4sOZaXu18u3u7N4QxFgnMs9LUPN7H9PRlyK29LJIqw3RvKGQ=
3zZJFJexd9gWTU1AyBUxa7L0P6NJjCFLQ1peSMh8TWzziH8Q21CGaEKYqOZ8NyEjwJM5zmE5oDc=
Xi3si6PXMwVM5CfixwMPuC9sgRqGX9GeqvPAawn6v9IvnoggYxtjadTowaI-I0BOUldd402LEzS=
57dwYsqA0RiDD_LXkOWPkgm59Fj_wbfrKbP1-1scAZIHCNjQXLOjv6oZ5vNhKRCdQx3CrKohYLX=
Ac1KxXxnHADKfboegGgPVtHwAvNlYUEwUjEclhiGRE7h959fLSijx41AiC_FX7u-X9BZnnsFel2=
y7DIqOxv7kgUlsX71O6BgvC6tQkERtN-CXwaBjgMZ4PkeiRiFdy_OBURxnvKFICYSt4d25h0SJr=
ZAz-DDBuZQVCXRMxTPUYPOOiig99h_joQ~~" target=3D"_blank" rel=3D"noopener nore=
ferrer" style=3D"color: #0047d9; line-height: inherit; text-decoration: non=
e; font-size: 13px; background-color: rgba(0, 0, 0, 0);">150Mb Sky broadban=
d & digital line</a><span style=3D"color:inherit;font-size:inherit;backgrou=
nd-color:rgba(0, 0, 0, 0)">&nbsp;deal for =C2=A323/mth. You'll then be emai=
led your choice of a =C2=A3140 prepaid Mastercard or shopping voucher withi=
n 4mths of your first bill (do check your junk folder if not received). Fac=
tor that in as a discount and it's equivalent to =C2=A317.17/mth over the 2=
yr contract. Sky tends to increase prices each April - if it does, you can =
leave penalty-free - so in reality it's likely to cost a quid or two more e=
ach month. <span style=3D"font-weight:700">Want other options=3F</span> Use=
 our full&nbsp;</span><a href=3D"https://clicks.moneysavingexpert.com/f/a/t=
-zkBlT4ecgicUr-JiYSaA~~/AAAHahA~/-XD8NrvIR0raQHHeYG0BK5yvXLiDPU1VX0vuGUQKYv=
w-ItbZsnTYbOgKEsbWjgm8_t9vK-VVvT4cj6qWNRgVjlkfTOZSeTyEJkFrVDB0Hu_hWzgWNotUk=
TlbP5-XB2L7SxDPOLM3V-TSe_ygXwOZGINU1o50IKnrfZkh6zNpdXLrWm09Gggwrt6Gy8QrZx6T=
1x2JeE86xmz7N_E1ROKk1IhWFVGRf2KFYBxieUz_C-pYHkrpViAjXvQzoTpYWVT1d2m4t93MQCU=
SNrFQZ763pq2mtN4rrnu3HcgkqQXZWIgSwEjcY9Huynfyb2t49gZsl5iws4tM8NrDxApYzGPDYX=
c6XYHk-katqAkN8kecDknh1DbvP4fQkRi-qSML1A6Qy2YyX71Y3tcoKVfPBLaNbH2enX9UGLizB=
ZN9F-gxjDPaWT7OjkoYlWUBF-by7oVm" target=3D"_blank" rel=3D"noopener noreferr=
er" style=3D"color: #0047d9; line-height: inherit; text-decoration: none; f=
ont-size: 13px; background-color: rgba(0, 0, 0, 0);">broadband comparison</=
a><span style=3D"color:inherit;font-size:inherit;background-color:rgba(0, 0=
, 0, 0)">.</span></p>=0A<p style=3D"margin: 0 0 15px; font-size: 13px; line=
-height: 22px;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/HyXkFKh=
xkL2yIWz-0oxmYw~~/AAAHahA~/dNQdvx7szutxLDeN81QO2tSfFkVNl86fJB92qeRnJP-jVzrv=
kx6yg3l22u6rq1PhDjG4nnZdHaEJtzb6OXSHPZWcwv3_g1fhycvpgX91uTch-rSFCm1GM-fZtna=
YC7iU5YLCOb0LEB7eZxXp3lSvbh_R6kqR5csxOFkYUq5nsyU~" name=3D"section75" id=3D=
"section75" data-eligibilitytype=3D"" data-eligibilityurl=3D"" target=3D"_b=
lank" rel=3D"noopener noreferrer" style=3D"color: #0047d9; line-height: inh=
erit; text-decoration: none; font-size: 13px;"><strong><span style=3D"color=
:rgb(0, 0, 0)">Martin Video:</span> <span style=3D"font-size:15px">Powerful=
 consumer voodoo =E2=80=93 it's called Section 75</span>.</strong></a> See =
Martin's <a href=3D"https://clicks.moneysavingexpert.com/f/a/sGVgZthMq75Fon=
nkgEhlsg~~/AAAHahA~/dNQdvx7szutxLDeN81QO2tSfFkVNl86fJB92qeRnJP-jVzrvkx6yg3l=
22u6rq1PhYfriQbJJVlSRhcxGrm_vXMT30l-gJlZv7oHBeH3eoBSEPDPGSiSCsZHvQCoF4LoDCZ=
QpOh7BZhPNhGY8sjjwQXdPZ72ejC2c-sZtnqW-XqY~" data-eligibilitytype=3D"" data-=
eligibilityurl=3D"" target=3D"_blank" rel=3D"noopener noreferrer" style=3D"=
color: #0047d9; line-height: inherit; text-decoration: none; font-size: 13p=
x;">90-second consumer self-defence lesson</a> and read more in our <a href=
=3D"https://clicks.moneysavingexpert.com/f/a/5IbJcAYZNq9a1wnNP6ZeSw~~/AAAHa=
hA~/ZovW5PaAajbNTWNKJUuDU-fAqzNQVOk9CogLFxaRqEpwAQUPr9Lw4O2jH_EgHPkIq4TFzJj=
2yLOOQmZMtpVEEYPWzX_adis83i-calevF1oYKutV2-kGRhWWo4x5oFO-LZQy0OaGcXbuo4cFcK=
pBbmIok6BLlfgFsEAhPO7ii07DG97htrl6xHyBhBqst7Cf0F0FIUa4Q12jNhID14YrXWtSw7VSj=
8C8exzR3k6L3ApU4e54k-KHWr0jov6ySiaBDKvznWHW0DBkkPtzKEV9ib155zUA2nKwQw0jGF9E=
SjhUfRKdzifRbRCq4nstR4A3b2CSolNrlBMg4qZ3PLyrMflrfQQGUE8Nic-mhLcTve_0Iut3IkS=
nRncL2llJs9TzmbptsX3I15mogFRXAaGK1RZgpM4i9ZIyYIBAEUqHjckQM_NNWhtzApKrTZO451=
7n_vwW1ZfN9D8Icz41mhy3Ag~~" data-eligibilitytype=3D"" data-eligibilityurl=
=3D"" style=3D"color: #0047d9; line-height: inherit; text-decoration: none;=
 font-size: 13px;">Section 75 guide &amp; template letters</a>.</p>=0A<p st=
yle=3D"margin: 0 0 15px; font-size: 13px; line-height: 22px;"><span style=
=3D"font-size:inherit;background-color:initial;color:rgb(198, 32, 53)">It's=
 back.</span><span style=3D"color:inherit;background-color:initial;font-wei=
ght:700;font-size:15px">&nbsp;</span><a href=3D"https://clicks.moneysavinge=
xpert.com/f/a/pbupxJLdLlWO7NMLMrZEcw~~/AAAHahA~/dqgRtugtJHIM1RY9vFGZqfCTYMV=
lQym5c1Km1s6IBswYpZ4wUSRtjuRC89irCWeHMmgeIMCw7VrRG8bAlA0IoU7mIf59RCy-6cuKZE=
ciNCYuLbZs8_FdZOUIbwEvlXEo9dbRUcYS-0acxgqER5dSnJMi-4W6ghg1sSZADroGV4vrEF4XJ=
ETMzam0R6fqncRJw3nb129qYLojodw7qME4320yOvVILmlw7Ef-VNeJ-KdVeHTwvpuVe3qoUkkz=
OqdqTB6bBuC9a308xU7T7B7nGY3AXwZbms4UnrNzuAHaJ5bE5H2RycZAktaHRUUHe19naySVhnf=
-kYikt0aahveNlEMFQ59XZxdiC5tUChUDqRaHl_MSi-zp9eivvta5RdLxnI95VN5b822pOA56k7=
bqo3nmLcRFz20rJ_4l0rR1mJbe5MKR5dCrx3rbwt7_lm39" name=3D"lidl" id=3D"lidl" s=
tyle=3D"color: #0047d9; line-height: inherit; text-decoration: none; font-s=
ize: 13px; background-color: initial;"><span style=3D"font-weight:700;font-=
size:15px">'Free' brownie, doughnut, pizza & more Lidl bakery items.</span>=
</a><em class=3D"text--teal">&nbsp;</em>Excludes N. Ireland. <a href=3D"htt=
ps://clicks.moneysavingexpert.com/f/a/3r0TIz_tfypJtGEC8Jwejg~~/AAAHahA~/dqg=
RtugtJHIM1RY9vFGZqfCTYMVlQym5c1Km1s6IBswYpZ4wUSRtjuRC89irCWeHnLuNaftSdlTmJo=
Ejzron2DCOeA7Hh0AStnLCALQZXjpmhhftAkKAqqrETRFqTyCMHP1238T5nvihB0xchCf35OdcA=
GuMy-Q141K5rUu3a1DSipmW4QTU3YQfBQTJPLo1hqliVkdWNS-IuJlggjT2nki2KMjEXoYCBbKZ=
5onOtyJLKO2hHW5t-xZSJdl3iuLN63pDj0ZcSvb687u8rhZVZF8YkCULQIIS-b9kdBIIFGr_VdN=
VQ7-_SwzWWKQ9CEMlASARbaAVvErdGUqp1ZhAa_PSYlMavXwI5rS_r2qPGEdAf7sS2YEkkaUwD5=
66-OYU4xFFjeP58qDCraZAW4itMZXvZwLPTm36WMf_UudoBRuhLnshe7veJT42tixjlopJ" sty=
le=3D"color: #0047d9; line-height: inherit; text-decoration: none; font-siz=
e: 13px; background-color: initial;">Have a Lidl treat</a></p>=0A<p style=
=3D"margin: 0 0 15px; font-size: 13px; line-height: 22px;"><a href=3D"https=
://clicks.moneysavingexpert.com/f/a/3iFNI92VKz0WhPCHrM8T8w~~/AAAHahA~/QhE3z=
Sg_DBv54lNRje6205v_tbgLFWpcJxTZ-ulzlmDlN2CQIXWL3Fof6fYlZw5iyG4baVFbRf-W23zU=
e-meu4fz-uKhOaASeBmMCISBj4aEbdoKiIx7Kc6NDp6EXmEDBbotSqOFIIeIHyGneHSYAeTD1c_=
eK62_QQA8Fl2SF2_aEp-gLdh8O8ERVMsdlDOn4bhMdhmzefsNq-T6lVnCf7X3Yws71DOppj4AQ6=
y-hnYQhCVMyjvU3CY9Qp9UG85fmMoPj55H2oNYBAMziiuOP6jYSXIittPOkecoOL2urtJbcIHbE=
TeYV1jBVDe78nRVv51zCBwYwpe2VNTdIY9dbhEXeJHwd4ACK2y_lu-0PFzqWXGASXxfWFKJtLEH=
dwesfjgC67JJQsxv6B2MoXYaW11M8zH3aVBsx3eouueqHsAzXCmmP7gso674j_If4Aic4khAQ4r=
FtHR8Z59q-7o8pQ~~" name=3D"pensiontracing" id=3D"pensiontracing" data-eligi=
bilitytype=3D"" data-eligibilityurl=3D"" style=3D"color: #0047d9; line-heig=
ht: inherit; text-decoration: none; font-size: 13px; background-color: init=
ial;"><span style=3D"font-weight:700"><span style=3D"font-size:15px">'I'm s=
tunned - I found a =C2=A319,000 pension thanks to your tracing tips.'</span=
></span></a><span style=3D"color:inherit;font-size:15px;background-color:in=
itial;font-weight:700">&nbsp;</span><span style=3D"font-size:inherit;backgr=
ound-color:initial;color:rgb(198, 32, 53)">Success of the week.</span><span=
 style=3D"color:inherit;font-size:inherit;background-color:initial">&nbsp;A=
fter uncovering a sizeable pension he didn't know existed, Bernie emailed:&=
nbsp;</span><span style=3D"font-size:inherit;background-color:initial;color=
:rgb(145, 28, 87)">"I found a piece of paper stating I'd paid =C2=A3303 to =
a pension in 1989 for about a year. I&nbsp;</span><a href=3D"https://clicks=
.moneysavingexpert.com/f/a/z3BKEJKR86oBcmt8tG0baA~~/AAAHahA~/QhE3zSg_DBv54=
lNRje6205v_tbgLFWpcJxTZ-ulzlmDlN2CQIXWL3Fof6fYlZw5iyG4baVFbRf-W23zUe-meu4fz=
-uKhOaASeBmMCISBj4ZxhE2FiYXs8wCt3wPJiSi9bnCEmCpiEssFiTfXPJI0IISNHzbNOrsyqOz=
XsqTtKVtgWWWxy24ogQ2MYXCo8FQB1nnmUIYXbCdaH-819W84IamACyGf_mhnIdONoJMrt99fIn=
1CRHCG3bQ0Bx9yC9Y_sjVNGUFrkj_-NkAK27S_6qkkBIFOXMmK-iwx1KfeG0rK3B0Ccrn6srSEg=
gwAxzSC2dWSMdPzGUJwWjPQimZk7aPPdy6BLqUn8I7QUfYBsLKDcpyHye4sxh5msXBqyq_zrKmp=
qqFPZ0I_LnoSjxo_D0iomIN8IsKue1gQXfPbn-ww5zKHDC_a3_SftDk-tTpEJ_EuswCGMibja-k=
0NcJJ-g~~" name=3D"pensiontracing" id=3D"pensiontracing" data-eligibilityty=
pe=3D"" data-eligibilityurl=3D"" style=3D"color: #0047d9; line-height: inhe=
rit; text-decoration: none; font-size: 13px; background-color: initial;">tr=
aced it using your tips</a><span style=3D"font-size:inherit;background-colo=
r:initial;color:rgb(145, 28, 87)">&nbsp;via the Government's website thinki=
ng I'd get the cash back, plus a small amount on top. Turns out I have over=
 =C2=A319,000 - and if I leave it for two years until I'm 60, it will be wo=
rth over =C2=A320,000 and a bonus may be paid. =F0=9F=A4=A9 I'm stunned, th=
anks for the info."</span> If we've helped you save or reclaim (on anything=
), please <a href=3D"mailto:successes@moneysavingexpert.com" style=3D"color=
: #0047d9; line-height: inherit; text-decoration: none; font-size: 13px;">t=
ell us about it</a>.</p>=0A<p style=3D"margin: 0 0 15px; font-size: 13px; l=
ine-height: 22px;"><span style=3D"font-size:15px"><a href=3D"https://clicks=
.moneysavingexpert.com/f/a/uHdk6WmJErbec2h8mFzPNw~~/AAAHahA~/NuPh_55sYXvb2=
w_e45QWHnztOK3mBKaeKwCqnQwEJRjEtUsuoswsFw-zISehdcqtmETuK26j79io-YIpFE6Ps9fp=
S_fJW4Ou5F0p0eDvUtjWPvgglrXEllwJu7eVxJTVKsDKmJsY--Jlr40ne9hLF5aTAhAGva6LvsE=
a1IGF2CsqgsfpsOC5EyTShboaMuL76nc4mPxPc8Ujqxtfzz6cBe_jgDCZ6IhQE3VUxHsG4M4zMK=
lowpprjQgSGoyHlyHh137Phs9n9FPFpIM_16XFP-UT_l4Hymx4PbplSV7XY24GnWkWqd07uleXD=
Z0orqyXiSAxMD2gUgodlwH9Db_aVNAhCA95SAMWQvbmk35RW5huFyl1gj20JlFfuMJPpFLCmd9X=
JSUWosmdBx-i1goGCs6zUwoxu9s43P65brYGQePqiiv3i0yTLoAcmU1Ed3NiqJ4gbdt8gwcAXWR=
-DdWJTQ~~" name=3D"camera" id=3D"camera" style=3D"color: #0047d9; font-size=
: inherit; line-height: inherit; text-decoration: none;"><span style=3D"fon=
t-weight:700">Is your old compact digital camera worth =C2=A3100s=3F</span>=
</a>&nbsp;</span>Thanks to TikTok-ers' love of 'digicams', prices for throw=
back cameras have shot up =E2=80=93 many bog-standard models go for =C2=A35=
0-=C2=A3300, the most sought-after =C2=A3900. <a href=3D"https://clicks.mon=
eysavingexpert.com/f/a/pz3EOAyo9hYoxljTCyQOxg~~/AAAHahA~/NuPh_55sYXvb2w_e45=
QWHnztOK3mBKaeKwCqnQwEJRjEtUsuoswsFw-zISehdcqtmETuK26j79io-YIpFE6Pswr9Mnni9=
qiXRHvWDz4kH__AGa58SwOndLG0eO5qS6t01DUMt5_xkn54-Z2chN960DD9qTFLtxMDze0DBXIm=
R9MQIH0ccUdEySYi_7xQmyRTAPRQCI4FoJ5YhwzPuYglsacdK4y86pb6wgXX4GyXVEz3fWVMws2=
FZkfXx5kg1kxj5T_Ol3GEDYOB0DV1TmV1bRT_NioE1FSeSDOFCGMxdCcknLIVKtFbo8LgTwMikD=
U3ZlmPKmzfwPQcL6281idGJzQOprb-vt7EUEpWNEnGbOQqXB9-QiuE08NUy-fgCgwTYsWm1tkB8=
SyEI48ldVfsXF8SfqQb-I1rGObIb2xVktyvb7yjyVjyea3lzUBv1GHNPx1BTY2rsiP1phsXCwyw=
kg~~" data-eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"color: #0=
047d9; line-height: inherit; text-decoration: none; font-size: 13px; backgr=
ound-color: initial;">How much is yours worth=3F</a></p>=0A<p style=3D"marg=
in: 0 0 15px; font-size: 13px; line-height: 22px;"><a href=3D"https://click=
s.moneysavingexpert.com/f/a/dk5o8sODWQDg0N5_TwUFrg~~/AAAHahA~/9a1IZ4bryKwzq=
AbctG0dEdzoFcl2QB5mL_qGNbdukXqzmSeCNcBXXDVbX7pHHFcSoKqjcqIJY7Muufl9tA9rBXkQ=
5NKCCy1s8tBXFQIzdi6-cVEG95G83tBjq5BE7fXQzFCV5Y_Yw9Tfo6OXS-nsxj02Q3JqBUI8Nab=
8c4N07x3XsN8bDyvmepwfhdapgGrAyN_C8aEMTos6HcmLR74zc1xKbYXf-xqL3lAiOBwDXXaSqt=
lejCPvppKWkeqwEVYCT9XAZUhg8V3cO6oqiCs8-czmKUy0cWqM_EmPpaNUe89yD-WZc_VrNypro=
Ekc5R5C3PSvlEDqb1tpBn2sBSC1B0Q1avVDaTmS1u0iq7_btehzdTHkvD37kMWXS4wczPmwhifM=
DLS23sTS_RJLJd8rBt_SfadE3gnAMwxninjMIxY5Jv2N1qBwQhHPEDrgrzM8" name=3D"teach=
ers" id=3D"teachers" data-eligibilitytype=3D"" data-eligibilityurl=3D"" sty=
le=3D"color: #0047d9; line-height: inherit; text-decoration: none; font-siz=
e: 13px;"><span style=3D"font-weight:700;font-size:15px">Teacher=3F Get 30%=
 off Disney+, 20% off Wagamama, 10% off Pret & more.</span></a> <a href=3D"=
https://clicks.moneysavingexpert.com/f/a/XzDp_ZcNMaT6PaGlVloOIQ~~/AAAHahA~/=
9a1IZ4bryKwzqAbctG0dEdzoFcl2QB5mL_qGNbdukXqzmSeCNcBXXDVbX7pHHFcSoKqjcqIJY7M=
uufl9tA9rBf3-Ip7Wps6ZBV-wztZ_6IfbuviENSEw4y8HjvR3nKmvlQ0Hch7FNTT5ldyVOD4OMH=
XAF0RRI4BcpBiRQlrlZEEGnAOzVwDgjeWC2r3fVynDQoGB4S2uQLg7eQ51XdzUSnA88JG5fn9rJ=
Fg88HZXV-vcQCCyPdZ-rvJt1QOgXgyKIw6dE_pnaDJrbgaQyS4IX5W4XI2PQ5gi_T_mmVyvH4h9=
CFMWRz5qbKoCw0dtUmzW_fCGq1ZK7CSaUkT5lXEqT9iwIrnakM1p9EMpZui0IUE6gMwjKyHd1bG=
QHVLxjujaixclRhNtE2ueI9aBv110hPQyS0PliZ3thF57Yjjs0fXcjJyyofP3Z_bG14S2Od1q" =
data-eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"color: #0047d9;=
 line-height: inherit; text-decoration: none; font-size: 13px;">School's ou=
t, savings in</a>.</p>=0A</div>=0A</td>=0A</tr>=0A</tbody>=0A</table>=0A<di=
v class=3D"empty-gap" style=3D"height: 10px;">&nbsp;</div>=0A</div>=0A<div =
class=3D"full-width grey-bg" style=3D"width: 100%; min-width: 100%; margin:=
 0; padding: 0; background-color: #dee4f0;">=0A<div class=3D"empty-gap" sty=
le=3D"height: 10px;">&nbsp;</div>=0A<table class=3D"container grey-bg colum=
ns--two" cellspacing=3D"0" cellpadding=3D"0" role=3D"presentation" style=3D=
"border-spacing: 0; border-collapse: separate; mso-table-lspace: 0pt; mso-t=
able-rspace: 0pt; border: 0; color: #000; width: 100%; max-width: 760px; ma=
rgin: 0 auto; background-color: #dee4f0; padding: 0px;" width=3D"100%" bgco=
lor=3D"#dee4f0">=0A<tbody>=0A<tr>=0A<th class=3D"mobile-full-width" style=
=3D"text-align: left; font-weight: 400; vertical-align: top; width: 50%;" w=
idth=3D"50%" align=3D"left" valign=3D"top">=0A<table class=3D"table--body-b=
g nt-blaggedformse" cellspacing=3D"17" cellpadding=3D"0" role=3D"presentati=
on" style=3D"border-spacing: 0; border-collapse: separate; mso-table-lspace=
: 0pt; mso-table-rspace: 0pt; margin: 0 auto; width: 100%; background-color=
: #f0f5fb; border: 1px solid #fff; padding: 17px 13px 0;" width=3D"100%" bg=
color=3D"#f0f5fb">=0A<tbody>=0A<tr>=0A<td style=3D"padding: 0; width: 50%; =
vertical-align: top;" width=3D"50%" valign=3D"top">=0A<div id=3D"mseblagged=
" class=3D"text--small" style=3D"font-size: 12px; line-height: 20px;">=0A<p=
 class=3D"text--normal" style=3D"margin: 0 0 15px; color: #000; font-size: =
12px; line-height: 20px;"><strong>BLAGGED FOR MSE</strong></p>=0A<p style=
=3D"margin: 0 0 15px; font-size: 12px; line-height: 20px;">- <a href=3D"htt=
ps://clicks.moneysavingexpert.com/f/a/vLjEJlXs3bE6-m2ydb6mFg~~/AAAHahA~/-JJ=
WFMQRIs3zXUVMAkNYEWiaFDe4_e3uH4PgmULtp0qbgmTU95CN4gcy_80s-DX2FelGRG83B7oHKC=
oywlI_vGjS5BniSPpnivZ0o-LvEZ3gYqP4z0e2P1abjUrlULVS8lCztq6CanS7Q8I4qD-1LxJDA=
RX6db5G3AeWSWQR7wCdW4DOoH5MbGZ-xRb-rBLbh2gYR3UHxQlFxyvafNwZqkxRI7qg6_dcZjEO=
65pl4KJJUZxT0acPJYOoXuImrt3Bk6HWuvvPaHy-CDSdXAg4YbL80Cf_N_7rYi7ayjZiErg4wqx=
GVweWqJQLnYnz-5-auu1BsxZ2BkEkpDV8pK96tUBEn2_laq6_rReaciTYWVRo503DToGXrpyIdO=
NFjnfig6xQlcyqSzUGV0gWpRxP8oW9COyrQaM0gDmYrOB-WOkTBSbluFBEx-In6n_mM1nLBQG-N=
tmzIZh2Je4FWY_fqw~~" style=3D"color: #0047d9; font-size: inherit; line-heig=
ht: inherit; text-decoration: none;">=C2=A3150 Shark vacuum for =C2=A385 wi=
th code</a> <em>5,500 available</em><br>=0A- <a href=3D"https://clicks.mone=
ysavingexpert.com/f/a/PnXdYHC86ah3lDM0kTOR8g~~/AAAHahA~/QhE3zSg_DBv54lNRje6=
205v_tbgLFWpcJxTZ-ulzlmApZP_bSQkm0ZeG8jACIG2ZmYtNJYcCITkQHQ750XXdo3ageliTti=
hObN5dN3xKbsr6GYCU5JRjeCI-2skJVPE8xj1JkSC8ShK23G5RhI11rhLB4Ps50Hm7g2UpsK7Lw=
gUJ6L718YDseUW8iYXeNQrE0Abo6K7uBZ6A2tdwwY7v0Rp7IYvJ5as4H9S58uhGdH_MuAERBi_-=
Ll02OpqL_1PPVhLkLq49472Td1I_xH8tGVvqKUeLX89WkfW_BmNNkJFYzXwUYCk4dh6u49JVOCR=
aAjH2Qs1F4c5wVbnedMDfO6qLtuVYAWyvhpGWw6-IIGLs9bB2fLNjd1H-coQArlPFxNXpHMYsmm=
NAtkM4KaJAQmVyOzDnUK1c-Gngd80al8AR1vGkF5v-y3Fc6iu2uclKuTHJn2eMD7e_AUA4dJBgp=
w~~" style=3D"color: #0047d9; font-size: inherit; line-height: inherit; tex=
t-decoration: none;">=C2=A398 case of wine &amp; craft beers for =C2=A345</=
a> <em>3,000 available</em><br>=0A<em>-&nbsp;</em><a href=3D"https://clicks=
.moneysavingexpert.com/f/a/WtFvyMDM-VTl4CKCeVtOJA~~/AAAHahA~/CO6d0wfRTXqKr=
GN3WcIx7VwT26-1p48orThn41NQbfPr37L0uKCzgO4df675IjM-rT58so4b5eFMH4cqJng1NGel=
jq3MCY9D8ddb-2bnJlODVr3ONIIncHTRLGhHdFsxzRfPmOAfgVd3ht7QeVg6YcfWkwzcjATeu8_=
4eroQWdzYwRd0WdZqKZ2waZIg-iTq2uEBC4snp08DOteKh14IRPUI9WdkauTG6-oqf8vwxI1Mi3=
ejOQfBduxl6M_fqnkIA3jNKHACryBy67x-MDAzXvZ90VzXntuFU46-S917HciBDgQfj0JVB-4wf=
PELCWcCjHv6WFeSad5wwZvqkKYVSfM654hueDVlP-NoEKk0uONOcK3ROBbUgpLcaQuPBP40HStq=
8WmkpblsThODoKVTC1AHkXcMZSCQOwTjuIfW9Dv2ERPkS7lq0etDmUJHnKs_md2h99s51G9N8SN=
gaV_xew~~" data-eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"colo=
r: #0047d9; font-size: inherit; line-height: inherit; text-decoration: none=
;">100 days' free access to 5,000+ digital magazines</a><em>&nbsp;Ends 4 Se=
pt</em><br>=0A<br>=0A<br></p>=0A</div>=0A</td>=0A</tr>=0A</tbody>=0A</table=
>=0A</th>=0A<th class=3D"mobile-full-width" style=3D"text-align: left; font=
-weight: 400; vertical-align: top; width: 50%;" width=3D"50%" align=3D"left=
" valign=3D"top">=0A<table class=3D"table--body-bg nt-didyoumiss" cellspaci=
ng=3D"17" cellpadding=3D"0" role=3D"presentation" style=3D"border-spacing: =
0; border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt;=
 margin: 0 auto; width: 100%; background-color: #f0f5fb; border: 1px solid =
#fff; padding: 17px 13px 0;" width=3D"100%" bgcolor=3D"#f0f5fb">=0A<tbody>=
=0A<tr>=0A<td style=3D"padding: 0; width: 50%; vertical-align: top;" width=
=3D"50%" valign=3D"top">=0A<div id=3D"didyoumiss" class=3D"text--small" sty=
le=3D"font-size: 12px; line-height: 20px;">=0A<p class=3D"text--normal" sty=
le=3D"margin: 0 0 15px; color: #000; font-size: 12px; line-height: 20px;"><=
strong>DID YOU MISS=3F</strong></p>=0A<p style=3D"margin: 0 0 15px; font-si=
ze: 12px; line-height: 20px;">- <a href=3D"https://clicks.moneysavingexpert=
.com/f/a/p2fRC2WaZ7h_GN7m9DanAw~~/AAAHahA~/aVMOEzDuqjzF_v4sOZaXu18u3u7N4Qx=
FgnMs9LUPN7GIfafAQ_N0bAtt1weqlJRJNL3YI7VuhSSuNopj6I8CVky7pc2P3XMQHac_30sHua=
HZ8baRB5JCBjOMiVw4SNV8VPWrzLoRK1KUg6TN30eGBKigvQYxW1zfcH4oZtGwXOQj-ULC61bLx=
mn4RpCOWbxmj-FXhy-98hDih1rDBl0rZT7IxK_KFMuqv9FwH6xkGhIxgdPCEYWvCUl3Ru90yxEn=
NJT2v2qDl_WXeqg0qM9UIhDRv_NCTyTU-tvFQ_Kai9rvHcjMKE5rQ5Mol1iYxe5GQuLkBdhXArn=
TSuTyWQkHI_BVb04pvDoY2b59FtLOK63TNCdFtWl4VEb10lWt7biBsO02SCCBWa5H2AKDsi9ZUr=
h4lBrlW33F6vxYucGZ9ntLMeD7wQk3sai84_vdyRxzueBZedZFOA0VgKtYVrpiVA~~" data-ti=
p=3D"msetip~oneliners-one~7" style=3D"color: #0047d9; font-size: inherit; l=
ine-height: inherit; text-decoration: none;">High Court backs car makers on=
 diesel emissions - what next=3F</a><br>=0A- <a href=3D"https://clicks.mone=
ysavingexpert.com/f/a/UjMy9dm28TfHGGazKCBGdg~~/AAAHahA~/UjNheko2VG6cPV-7njh=
QxX-R_DoDMXpAt4kRpi5G7JrFvOH2wDuIyFxl8iQibUh4jcNgKZBKAlCAiIQUVUGMb951v4sFhm=
Tm4CikjRH_kILXUPGcXnnSIhUEORI4F5j5uastXhDfUXWCf_1XZjLgwX7ddb6ZNJNMYCA14Lz3Q=
qxRjBjuafzgYNhR-Ql6j3mwNpyEvuxBAh9cGTmMuJR38OVpz3Uv4KFCuVBY6tziEdxWptc2yMyb=
vOIt_3RmUdfd6sfybks8bU-YsRE5CfyYsLccDXG1gY0YR07jM_6jTf3t3KZQLdzt_oGUyJ8V5gi=
Yf_bX5OMJdbKDyz6NvcALWplkcxjP8w-3s6BdCdAPCRdf3pyb_gANWcXt1piMU7Uaomqn2GQz10=
L6g0DugV12Uo4UmhlkCZp-eX3kTis6Cr9gNySIGQPgAFx4SD2V9a3Hf7paD_D9aPRW9oDF6-iK-=
g~~" data-tip=3D"msetip~oneliners-one~13" style=3D"color: #0047d9; font-siz=
e: inherit; line-height: inherit; text-decoration: none;">Civil Service Pen=
sion scandal - 1,000s still waiting for payments</a><br>=0A- <a href=3D"htt=
ps://clicks.moneysavingexpert.com/f/a/GGw2KtmIBPUsA93oIaOkOw~~/AAAHahA~/IMp=
b0odD7tr5G_aTELOu2i3n2l32xKnOmEeDtDKthuUFjgAlqHgXzZNg2lxCVZ7pHjHqMUV0rxc_me=
yojfRvpOHAtHHr3KyL36-3ePkOL2DLb_9KmZzQpm47qWVIvaYaEpZFAo5MfprYHECEaWKfmsWhW=
kI35eDqLUmx-TeJQAsshbpW8GJT0_G3kGdTb33BA4d6WcvB61Ja0wKtbJt9F7DaZtWZ_wNj4PDd=
Pk6nnNXob0U49BYAEYfLnQfRMvar3u6Y5paa6Z16T5JAAxUCRq6baFu6fFc41lka4zD1uRWltIl=
4oDqO73Hqr2I1ufe9xLojd0LCGeoR6b8QVRVaIfNNbV8iCPQyBCrPcbShYMDRUGCo7afLhAsvfP=
pINPTD1DyOEN6Z4ZweLfOln6INvmejaKU_ATg2lHvCdZh6TH3n3CLOyFCT7zm4NrYJZClppaj-8=
S98Lw9t6Dh_35m7Og~~" data-tip=3D"msetip~oneliners-one~26" style=3D"color: #=
0047d9; font-size: inherit; line-height: inherit; text-decoration: none;">W=
arning. Saving for kids=3F Don't make this mistake</a><br>=0A- <a href=3D"h=
ttps://clicks.moneysavingexpert.com/f/a/41JBd8uczdvitkrrcGQlrw~~/AAAHahA~/r=
zjxl6AR9SLAzYVaiGKOx16tizJ6t-vHSCQsXUNZMvJBvJhNyTuf3pjXHyjFu9h5g_BU8derWWJC=
oPtJF1EqXIqL5Hzrl9peEz2xGG07Fi-dnucuFfo1LrKUBnLjBaTl-Avwh2hAKYlstxp_y53kjuG=
tIkAG-blNUcK0iAfNQRxpPtJm2H7kntxif28eu22SqhsADfB9Px0UTUX1tIV5TLENLbemd6RUr1=
TQ3IE5McOk4D6shdvEOX44bEtIbR9VH4EULtophOrQcXr5rUZM2iI-L29HtTHHrxrrI-j0YHb7h=
i6tJkYZ4RD2GSeTuzDyPEkqbMngyzEUcErZzhU4O4iFlCDlJA0A-F7PeSO7pKKURxpJJrSnTX3g=
AnZ5oN27_Xt7XAcmdU4vKneXJVZ4oRP-kteSdKg-aRuG5TwmQiraPnipQvrcrZEh0C01ZDs1" n=
ame=3D"bus" id=3D"isPasted" data-eligibilitytype=3D"" data-eligibilityurl=
=3D"" data-tip=3D"msetip~oneliners-two~9" style=3D"color: #0047d9; font-siz=
e: inherit; line-height: inherit; text-decoration: none;">=C2=A32 fares, ki=
ds go free and more bus travel savers</a><br>=0A- <a href=3D"https://clicks=
.moneysavingexpert.com/f/a/FHhqvuZHO1EdhuAXOTwYPg~~/AAAHahA~/3MwSBo_p8Ux5B=
TSJ2k8FknI_WwegoGLR6Go3Qk29zeakCHW1vN_XLUwID8adXQg1bWKQLHQz2Uju3ixykpxeK6G8=
G5uNcLHPj0M5kbgGCas-ZLTXL1KpCS1dRbPWlr140CMsBI3Unjgp0XhGyhJAFNqVNCOVAlV7dn9=
QsuLRz5htq7qFheaMZo9e8vnebz67D678DjIaNHWScQKHqiz5I9DUWyd-H2MVoEA1x84JToremM=
UstZqFhwDk5UF4ea9aO3CKEDlW86r9UnH4hRcpFHQfvwhsGsMjVgRpXZl5-7uPthbQIXRd0ae5P=
o5rBz9Nl8OKKoJsUtORVD7fg10A5tfRo5Ty-PFiHlEyfCMjn4G7T32bTVt_Lae5x20wBfGuglt8=
tRTdsEuLE9DExJDl_S5GxUuN2ngzufI06cSIe9HhuogChzVXpoUVbI1bqgDPj3l0tXHGX-l_DQw=
oy1HjKQ~~" data-tip=3D"msetip~oneliners-two~5" style=3D"color: #0047d9; fon=
t-size: inherit; line-height: inherit; text-decoration: none;">Get an extra=
 =C2=A330 cashback when you spend =C2=A35+ online</a></p>=0A</div>=0A</td>=
=0A</tr>=0A</tbody>=0A</table>=0A</th>=0A</tr>=0A</tbody>=0A</table>=0A<div=
 class=3D"empty-gap" style=3D"height: 10px;">&nbsp;</div>=0A</div>=0A<div c=
lass=3D"empty-gap" style=3D"height: 10px;">&nbsp;</div>=0A<div class=3D"ful=
l-width" style=3D"width: 100%; min-width: 100%; margin: 0; padding: 0;">=0A=
<table class=3D"container table--white nt-bignote" cellspacing=3D"17" cellp=
adding=3D"0" role=3D"presentation" style=3D"border-spacing: 0; border-colla=
pse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; color: #000; m=
ax-width: 760px; margin: 0 auto; width: 100%; background-color: #fff; borde=
r: 1px solid #dee4ef; padding: 17px 13px 0;" width=3D"100%" bgcolor=3D"#fff=
">=0A<tbody>=0A<tr>=0A<td style=3D"padding: 0; vertical-align: top; font-si=
ze: 13px; line-height: 22px;" valign=3D"top">=0A<div id=3D"bignote2">=0A<p =
class=3D"section__title text--center" style=3D"margin: 0 0 15px; text-align=
: center; color: #273157; margin-top: 0; margin-bottom: 8px; font-family: m=
useo_slab700,Helvetica,Arial,sans-serif; font-size: 24px; font-weight: 700;=
 line-height: 30px;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/OP=
s8ZhtVEjVMmLY64NnOHg~~/AAAHahA~/WFiX915batiBEWR7PcZT3jp-ifRoVk1BSgXMiI8wtA0=
CF9DTE_SjB7MM_umYYrq0aIhvdKoCtMmbQa82JXqKeuHEoA6HAmiddsG3T2StuON4R7PKbq_GGK=
zqUyTqru8aC33dUum8RMcAkGiC8ESnbvMJPXVAnok3tSrhfPn4al7nlwNx8z5oG9vXu0ZgjXTFk=
MCLVGQXaLF5g9f8zFO1vo5hv0rc8TScl4xnr3aPPfdZ2i1WHW9X1yjzpdpmoDKe6n7SxjbvwlAz=
FJn-DMRrEsihei5ivWxY8KArrp9gAP7pTHS4HrJuI1dZj6PoF7Hixz0K9D3etFIpJIDbkh8juD1=
nMJKFFGOdnFOmDrhM0_03GkRrXIwKFNlp9nu3sMK0mhwHxgH3wOkUX0JnR7DcGCLCCAOkbn_Q-E=
dnJHxnuXIW1jWnNnOzZjXcwB-20Z9K" name=3D"sims" id=3D"sims" style=3D"font-siz=
e: inherit; line-height: inherit; color: #0047d9; text-decoration: none;"><=
span style=3D"font-size:20px;color:rgb(0, 0, 0)">Three steps to slash your =
mobile costs...</span></a><a href=3D"https://clicks.moneysavingexpert.com/f=
/a/K9TxPm0vDWcA3tDh9fnsBA~~/AAAHahA~/WFiX915batiBEWR7PcZT3jp-ifRoVk1BSgXMiI=
8wtA0CF9DTE_SjB7MM_umYYrq0aIhvdKoCtMmbQa82JXqKev1mYezcQGObbEB01CLRhgIZ-6jYk=
K8g7EAJua4LiltL6HW7ItY3331eGt5YUiAIDaTZVVrX3UDRkGmUNpuOmAAAeB1S0Q4qR1bf_mvQ=
YjC29puKEbWQzo61Yed5CBiDG8SE-bwlZ5zsNjHn0I7qJODQ2dRAuVnImWElD8y3z1cbMp_Fxgz=
eK8dBRgENGgZXoJssz7hR945nz1dudKe9BNGid_pELtoryUCE58k9rfq0Jr2lHhX8E1Sy71jTwU=
Z4Fy1fEZapI2qZzIPS9Z_s31F8QGgzmZIQq-Rz3mhUhBfVdDsLoRUwqMMlTgSZxfbR2xdKZdeQd=
xG4h_Cxg0-Mxv--8KPO0rKnwpwwHZqiNFR1" data-eligibilitytype=3D"" data-eligibi=
lityurl=3D"" style=3D"font-size: inherit; line-height: inherit; color: #004=
7d9; text-decoration: none;"><span style=3D"font-size:20px;color:rgb(0, 0, =
0)"><br></span></a><span style=3D"font-size:24px"><a href=3D"https://clicks=
.moneysavingexpert.com/f/a/EefOipwJQ-DCb0-CCArwfQ~~/AAAHahA~/WFiX915batiBE=
WR7PcZT3jp-ifRoVk1BSgXMiI8wtA0CF9DTE_SjB7MM_umYYrq0aIhvdKoCtMmbQa82JXqKeibo=
Cocx3R9pTHSlbLxft8FMVpZiZ0WQZ4xaFQWEXP6jE47xf5EfQ5kAomDpNwYP2JKH7jA-pBwURHx=
ut1shXbqJj9I2kBY-gTz9GRFj-TXsSysGECgnMtZVMob7pWel-dR3imdUVYcWhU-_x2ra_AKlY2=
FtymxeDHWOH7qrhFPVWfDShfe3x3KRWvHGTpeO35gT9QVwfPmkzeHgYspNRLFgLv8nt4nxhosfO=
JeAvmCFleitd9AZN4OIdwKezDC0yktJTQ-Z0woVdmfNevYjMm_vXLSHQWE3KLzzGblxUBeS6paf=
AxPYVtKnbXEsm7dmpMnWxABJNE99-IqIIUAGesl3lwf_QcrJawK-PZVjLm4y" target=3D"_bl=
ank" rel=3D"noopener noreferrer" name=3D"sims" id=3D"sims" style=3D"font-si=
ze: inherit; line-height: inherit; color: #0047d9; text-decoration: none;">=
Cheapest Sim we've EVER seen - get 1GB monthly data, unlimited calls and te=
xts for just '59p/mth'!</a></span><br>=0A<a href=3D"https://clicks.moneysav=
ingexpert.com/f/a/bxzOgJHBLbRScCBt1wHFHA~~/AAAHahA~/WFiX915batiBEWR7PcZT3jp=
-ifRoVk1BSgXMiI8wtA0CF9DTE_SjB7MM_umYYrq0aIhvdKoCtMmbQa82JXqKeru9zSgOK6fezd=
vGSpiyYHCimEEYejPsraWYO5mJ2X1xEjSFDCHWX_LGZfjIXtjBUUxy17ypOcHDD0v2QWboPZJtI=
V4uP0GIuiNuxzWNYb5QUiw4xAQeSEEApQCaT9Q2oLLuiRhVjIuAfZVdOeCAE5HkZ-hztfAfpZsL=
Dt6ggpddaj9unVmx9KUpYQGpT7lGrgmwvBh2I_Negtp2syjv6hC87EUYrMNaVxRKSuU1Afdx0sM=
jmp8ug3SpEOOQl5G9eDbnHBC4tY05BmH-GNlcS-9djnsEPS6QjGlBk7k-t_Ch-vJ8Jk0d8qaMEt=
bsGbU694MQDz1gCG5Lr0NjpBN-8vySXJCLWMzcdRBFvwVSx5aQ" data-eligibilitytype=3D=
"" data-eligibilityurl=3D"" style=3D"font-size: inherit; line-height: inher=
it; color: #0047d9; text-decoration: none;"><span style=3D"font-size:20px;c=
olor:rgb(145, 28, 87)">"Thanks MSE - we've saved =C2=A3400/yr by switching =
Sim"</span></a></p>=0A<p id=3D"isPasted" style=3D"margin: 0 0 15px; font-si=
ze: 13px; line-height: 22px;">Mobile prices are a tale of two markets right=
 now. If you're willing to switch, Sim-only deals are at rock-bottom prices=
, with competition pushing costs ever lower. Yet millions aren't benefiting=
. Around 14 million people are out of contract, meaning they're free to mo=
ve, but many remain on older deals and keep paying far more than they need =
to. If that's you, this week's a good one to get on our <a href=3D"https://=
clicks.moneysavingexpert.com/f/a/c82ucbY3uBl3CPOEYDj-pQ~~/AAAHahA~/h3Njwl0l=
iTePTfWg7ZPTQ5ZntalDm6p1189ADY3OwP2h0ab0aoGhQHdVcsPQ9aESuoAADclB6BwsoWMgDBh=
Eb1PkU40hqBkPtzsribDHgCOm8axR7rWjOn71mERS4Bfnxr2hOHEXfnfgfyk79tv1wAQvL-7qvG=
VanWWoafMQUKc3qXFIqglkBS0P93v2v9yjmeJQXHhnNdZtZ37I9kXE7q7tX_4vIUzhXsUqkPZmV=
1lUDFFL3UWierOnStl3LCBIN9vFyItnNhehIZNA9nPdHNDtU5j46vjc0xzSHZchj7FdQP5iJLE2=
-6gs-o59qnvOEZ2-UGDcihLSjoT6GNhkdwTw14phjw4vIui1CkajtPAa6HBZp5MbrUg2jJ0bDOO=
tl0WyVxabmGQFdIAk8TQ_CER9fI7BUoXkbWdAf5Xlt3tCMZ_cXFzpmojnSQQzO2uP" data-eli=
gibilitytype=3D"" data-eligibilityurl=3D"" target=3D"_blank" rel=3D"noopene=
r noreferrer" style=3D"color: #0047d9; font-size: inherit; line-height: inh=
erit; text-decoration: none;"><strong><u>Cheap Sim Finder</u></strong></a> =
tool and slash your costs. Let's run through it...</p>=0A<p style=3D"margin=
: 0 0 15px; font-size: 13px; line-height: 22px;"><span style=3D"font-size:1=
5px"><strong><span style=3D"color:rgb(145, 28, 87)">Step 1:</span></strong>=
<strong>&nbsp;</strong></span><strong><span style=3D"font-size:15px">Can yo=
u switch &amp; save=3F Check by dialling just five digits.</span></strong> =
Just text <strong>'INFO'</strong> for free to <strong>85075</strong> (some =
providers will ask for your date of birth to help confirm your identity). T=
he service will <span style=3D"color:inherit;font-size:inherit;background-c=
olor:rgba(0, 0, 0, 0)">then tell you if there are any early termination/can=
cellation charges - if there aren't, you're free to move. It</span> won't w=
ork for some on 'multiple phone' contracts, in which case if you've been wi=
th the same provider for more than two years, you're likely out of contract=
, though do check.</p>=0A<p style=3D"margin: 0 0 15px; font-size: 13px; lin=
e-height: 22px;">As Helen emailed:<span style=3D"color:rgb(145, 28, 87)">&n=
bsp;"My daughter and I were paying =C2=A317.57/mth each with O2 but we're n=
ow paying =C2=A32/mth with Sky for the same package as before. I pay =C2=A3=
2/mth for mine and they threw a second Sim in for my daughter for free. The=
 best bit is that Sky mobile piggybacks off the O2 network. Totally saving =
<strong>=C2=A3398/yr</strong>."</span></p>=0A<p style=3D"margin: 0 0 15px; =
font-size: 13px; line-height: 22px;"><span style=3D"font-size:15px"><strong=
><span style=3D"color:rgb(145, 28, 87)">Step 2:</span></strong><strong>&nbs=
p;Switch to the best new Sim to save.</strong></span><span style=3D"font-si=
ze:13px">&nbsp;</span><span style=3D"font-size:inherit;background-color:tra=
nsparent;color:inherit">There are actually only four mobile network operato=
rs (MNOs) in the UK&nbsp;</span>- EE, O2, Three and Vodafone. All others ar=
e mobile virtual network operators (MVNOs), which piggyback on their signal=
s and tend to be a lot cheaper. Our <a href=3D"https://clicks.moneysavingex=
pert.com/f/a/xEzOpTlN46A-F8dNKD8Cjw~~/AAAHahA~/h3Njwl0liTePTfWg7ZPTQ5ZntalD=
m6p1189ADY3OwP2h0ab0aoGhQHdVcsPQ9aESuoAADclB6BwsoWMgDBhEb1PkU40hqBkPtzsribD=
HgCP9_kcRIicOFieuVd51GVcx-yZCfgX2kcf8j2KBNc325y5AIFDu_Gxv40IQ0fJcYNbQJ4s5M0=
nPVdYAQyb6xoTg3-s7ZqjXxJ9bl6TpJYyLPQPAnRujyMqbeNdRT5Xt88kLU_yedFeTYO3yd8g-m=
lgMBERC7SuijkdO0WTqu66w2HScCR__8yY4NYKMZ1iE9eplDqy6o4acpjoKILROkEdaPpIwkDIQ=
1SBnh29_Pql26eENbEM4YXEQRswxJbD1F8nRLKypC4IQ7r_n_0x6PozcJgO6asPSI3UOM9uY8X5=
3eH1dOw7pkmgYLtpyFUBa2USVxQgBJNUjyhRAze-XX3Ze" target=3D"_blank" rel=3D"noo=
pener noreferrer" style=3D"color: #0047d9; line-height: inherit; text-decor=
ation: none; font-size: 13px; background-color: rgba(0, 0, 0, 0);">Cheap Si=
m Finder</a> <span style=3D"color:inherit;font-size:inherit;background-colo=
r:transparent">lets you filter for deals using your current network's signa=
l if you choose.&nbsp;</span><span style=3D"font-size:inherit;background-co=
lor:transparent;color:inherit">Here's an example of what's available=0Arigh=
t now on each network's signal using piggybacking.</span></p>=0A<table clas=
s=3D"table--bordered" style=3D"border-spacing: 0; mso-table-lspace: 0pt; ms=
o-table-rspace: 0pt; border: 0; padding: 0; margin: 0 auto; border-collapse=
: collapse; border-top: 1px solid #e5e5e5; width: 100%; font-size: 12px;" w=
idth=3D"100%">=0A<tbody>=0A<tr>=0A<td colspan=3D"2" style=3D"vertical-align=
: top; line-height: 22px; border: 1px solid #dee4ef; border-top: 0; padding=
: 8px; font-size: 12px; background-color: rgb(40, 50, 78); text-align: cent=
er; width: 100%;" width=3D"100%" bgcolor=3D"rgb(40, 50, 78)" align=3D"cente=
r" valign=3D"top">=0A<div><span style=3D"font-weight:700"><span class=3D"te=
xt--white" style=3D"color: #fff; font-size: 18px;">Cheapest</span> <span cl=
ass=3D"text--white" style=3D"color: rgb(255, 218, 44); font-size: 18px;">Si=
m-only</span> <span class=3D"text--white" style=3D"color: #fff; font-size: =
18px;">deal examples</span></span></div>=0A<div><span style=3D"color:rgb(25=
5, 255, 255)">Use our</span> <a href=3D"https://clicks.moneysavingexpert.co=
m/f/a/FLG0cAS_MxHUx8rdtX8nJw~~/AAAHahA~/-JJWFMQRIs3zXUVMAkNYEWiaFDe4_e3uH4P=
gmULtp0pmXLnmawwJxvsjm00s-gaYV1-hd_2eSd_NguovQUYc_kbSSEzuBnicIBEU7clVuWSfOY=
84GCwz6GDi3kLYiUj9QCl_j-G7sFnIahq9VVt2AL2XD5_E4nAGFt6FgemSSOfXltXubpHziIMWE=
XwYRicgqpLkrR_S_TMCk0NS7bvunFazaiwwGgHU1L_TmkpNdGbAwoH2k4MjhC1JGeEO49775DEW=
1_uEAa2XPhZCGpn1o3ghOe_q1HwreLa4P1aEIMLw_0mKFlUcVIePTl7niO986vo8rCOZp67UCJO=
TJki60EVZHqkmCdqidk4AZIExhMqUwOz465dBeLOQ_O-0PgUhdt6Z_gwxpS2YI875kniWzDsHbs=
zfzv_6Pxe4VXAqA-AdNtjopgK1N8Vq64rV8W4ZPXOTRBuYDEZbW4qsbGp6Nw~~" target=3D"_=
blank" rel=3D"noopener noreferrer" style=3D"color: #0047d9; font-size: inhe=
rit; line-height: inherit; text-decoration: none;"><span style=3D"color:rgb=
(255, 218, 44)"><u>Data Calc</u></span></a> <span style=3D"color:rgb(255, 2=
55, 255)">if you're unsure how much you use</span></div>=0A</td>=0A</tr>=0A=
<tr>=0A<td style=3D"vertical-align: top; line-height: 22px; border: 1px sol=
id #dee4ef; border-top: 0; padding: 8px; font-size: 12px; width: 30.7473%;"=
 width=3D"30.7473%" valign=3D"top"><span style=3D"font-weight:700">Sky</spa=
n> <span style=3D"color:rgb(145, 28, 87)">on O2's signal</span><em><br>=0A2=
.7 / 5 ("OK")&nbsp;</em><em>customer service</em></td>=0A<td style=3D"vert=
ical-align: top; line-height: 22px; border: 1px solid #dee4ef; border-top: =
0; padding: 8px; font-size: 12px; width: 69.1078%;" width=3D"69.1078%" vali=
gn=3D"top">-&nbsp;<a href=3D"https://clicks.moneysavingexpert.com/f/a/cSlg1=
XfVnrSCCPe1S36Q5Q~~/AAAHahA~/VOE7H-YRby2Wx-jR6jEVTQZO_lvLdUPSKnecy4g-1o_kha=
fMXOsKrPXykunjoJ2--5yZbuzlDVgQiHhc7TZLZhBI_W2AJ7qD8M8SRdvG9EPtEuPGn4iPJAWMb=
xdLrblSd5-iLY4FYgN6UJAIdKwyOpDpMQI7LdsbBOi5x_S9rea5NqBXZGdnZ8cYkZsdI0qaNU6M=
gMQqBMyxYu1b26FNkY5qrVB_ecthaOYOB_efW6MiBFmGxhkfv6JHm2mo83Sz-G49RX3K4UVK3EX=
8HWPrOP7OeVAsKxJMrQhfRPRA_eDd0jxI3lmdlvKIcz7--0jmoEQqm20nNiiH7eOVA8_Cx_h8nA=
hYg-jyQJawUGKCTCbPxRyZRxbhdDtzFWp_s_vINGx4MmO1ZcVwwRCuuU8ckoRcU0iDhqk-Qodla=
D_8pXWMrzllBCg7b5dg8DonoAOQ6HUL0B_eL3nvH6vBghS2ZA~~" target=3D"_blank" rel=
=3D"noopener noreferrer" style=3D"color: #0047d9; line-height: inherit; tex=
t-decoration: none; font-size: 12px;"><span style=3D"font-weight:700">1GB a=
t average '59p/mth</span></a>' over 1yr contract (=C2=A31/mth plus a =C2=A3=
5 Sainsbury's, M&amp;S, John Lewis, Uber Eats, Deliveroo or Just Eat vouche=
r within 4mths). It's the cheapest Sim deal we've ever seen.<br>=0A<em>Chea=
pest deal on the main network:</em> <span style=3D"font-weight:700">O2</spa=
n>, 10GB at '=C2=A37.84/mth.'</td>=0A</tr>=0A<tr>=0A<td style=3D"vertical-a=
lign: top; line-height: 22px; border: 1px solid #dee4ef; border-top: 0; pad=
ding: 8px; font-size: 12px; width: 30.7473%;" width=3D"30.7473%" valign=3D"=
top"><span style=3D"font-weight:700">Lebara&nbsp;</span><span style=3D"colo=
r:rgb(145, 28, 87)">on Vodafone's signal</span><br>=0A<em>4.3 / 5 ("good") =
customer service</em></td>=0A<td style=3D"vertical-align: top; line-height:=
 22px; border: 1px solid #dee4ef; border-top: 0; padding: 8px; font-size: 1=
2px; width: 69.1078%;" width=3D"69.1078%" valign=3D"top">-<a href=3D"https:=
//clicks.moneysavingexpert.com/f/a/PV2CsgmTjDipk-vU37b0zQ~~/AAAHahA~/cc3lST=
k-Ii_zgGlghoJiJBu0JEQga8_BNwndzVqqjd9GjL0-PO-yioVEe3IM9UuTrPhtwBs-s78G844rV=
onot4mdIdK2xYTAiGs1hKlgH1Os1hYHsQqQgGyjsFcGT-XcG-QCpw8ZXgM7MzqMX_OHfE81qycL=
KT_G24pW6v88HWEpr48bi85d6FIxpBp8_ChwSiJ7_73IQcyXzFJCqsmfl-V1qNhIyn_m41w5Kam=
prLFvfSFzf_8u-KmHRBqwuERvPqbND1pFuWh2AQ_HiBwp9NXMcsKmrVJrWRHsz3FsKkhHU7cNWP=
IxldURJjKjsTNdIdWU8A2zWgnOzGXB8BliijcPqU-go73kZnIV6sgzBFF8LFjzPB9E0YnQOIifJ=
4AGrrG8Y9k96y3E_Bu5wfSG_bzIhENORTj6Dkk2PF7rTJhRfSOh9kKsfHzia41cfsHxvhWbs1zR=
p1lZ5PBXXggA6A~~" target=3D"_blank" rel=3D"noopener noreferrer" style=3D"co=
lor: #0047d9; line-height: inherit; text-decoration: none; font-size: 12px;=
"><span style=3D"font-weight:700">&nbsp;35GB at average '=C2=A32.79/mth'</s=
pan></a> over 1yr (8mths at =C2=A32.61/mth, then =C2=A36.90/mth, plus =C2=
=A315 Amazon or shopping voucher), but 1mth rolling contract.<br>=0A-&nbsp;=
<a href=3D"https://clicks.moneysavingexpert.com/f/a/xzzCNOuqZgUN7vRlCqX9rw~=
~/AAAHahA~/lfdLmfEOAKRutZDGqJZxWJchX9S8VpnHP5_vxIH7LsAGVdkn6km57NLHkKexfHbh=
4Hu1W5lX0UjVDf00wxolQR3LpHkmfXh8FIaFXtQ_Id8zgpBcjxXrzAsRrxEbhClWKIUh7N-aOmZ=
X1VmwmONgZagkmxct0M8UWvT1rPEWH-A5hBARGzoayG-1NKirh3n7oyjduFSsWrgf0ET7WAp1LV=
nBMLEQxJDn-ss3YUt4cfwoz-Jep_J7OBsQUIGZSAIY-cisOCgt-aN_xJT2JjQUnmbqH3h9H4rGW=
KLNNrQuBiQXs3t2C2CFJSYRiLFGbVlJ-gd3m6JMcoI2cKqk90_b3JErMeba7suXJc0efUEmp8Ta=
0RlERrK1l4_TAnOI78wveITPKDs5ixpaf_zm1Kd-5yIh0u4qIk-dAv8mtnK9rXbwvWHD_ihwCPd=
q1bFxPnnei9K0zzRfFI5jDrp6C0v0uw~~" target=3D"_blank" rel=3D"noopener norefe=
rrer" style=3D"color: #0047d9; line-height: inherit; text-decoration: none;=
 font-size: 12px;"><span style=3D"font-weight:700">100GB at average '=C2=A3=
7/mth'</span></a> over 1yr (9mths at =C2=A36.47/mth, then =C2=A311.90/mth),=
 plus =C2=A310 Amazon or shopping voucher), but 1mth rolling contract.<br>=
=0A<em>Cheapest similar deal on the main network:</em> <span style=3D"font-=
weight:700">Vodafone</span>, 16GB at '=C2=A36.80/mth.'</td>=0A</tr>=0A<tr>=
=0A<td style=3D"vertical-align: top; line-height: 22px; border: 1px solid #=
dee4ef; border-top: 0; padding: 8px; font-size: 12px; width: 30.7473%;" wid=
th=3D"30.7473%" valign=3D"top"><span style=3D"font-weight:700">iD Mobile </=
span><span style=3D"color:rgb(145, 28, 87)">on Three's signal</span><span s=
tyle=3D"font-weight:700">&nbsp;</span><br>=0A<em>3.2 / 5 ("OK") customer se=
rvice</em></td>=0A<td style=3D"vertical-align: top; line-height: 22px; bord=
er: 1px solid #dee4ef; border-top: 0; padding: 8px; font-size: 12px; width:=
 69.1078%;" width=3D"69.1078%" valign=3D"top">-&nbsp;<a href=3D"https://cli=
cks.moneysavingexpert.com/f/a/brxSyA1Nilio4wlIbPW60w~~/AAAHahA~/IMpb0odD7tr=
5G_aTELOu2i3n2l32xKnOmEeDtDKthuUfNGsEw1mbjVKHthsGh1h3CzOBFJSZyxmGBwYjUcyveJ=
5K2pgKcnPb83C3Va9mcr7WK_Ch-x_qj1gX3Zg4aE_kAGdOhKBseLAhLMwDff5WsYjMrL-8NmWI9=
VsVJu587NitwUns9oF_GKtvaZU0tBRlnAgehAkmztVgsdCwYusCn1Cl1K4EI5G374058lp-zfjV=
LwCqSFO8O54mWqc8oMJcI14mnh1WfJl19n1kigVteCFsxnktCJmyQpfOclybZ0DJpa0q5s53MYW=
BBMJyZeQbzyJyx4G8b8u7q3ZxN9z4CmgIiUwEANu0NeC4yzzwIxWtPOJ-qNN1oKkIuPyMGzVFMn=
87y1-dAampRJae1YWhKByPQ-D-yQ5IqVHAeJM4mvnUYzpH2eBrzEGH_fnw-puFdX84Wwj2JswNp=
8DVGUw_HQ~~" target=3D"_blank" rel=3D"noopener noreferrer" style=3D"color: =
#0047d9; line-height: inherit; text-decoration: none; font-size: 12px;"><sp=
an style=3D"font-weight:700">63GB at average '=C2=A33/mth'</span></a> over =
1yr contract (3mths at =C2=A34.50/mth, then =C2=A39/mth, plus =C2=A358.50 A=
mazon or shopping voucher).<br>=0A-&nbsp;<a href=3D"https://clicks.moneysav=
ingexpert.com/f/a/wGS9XCCgFpDTMMt-rfs-tg~~/AAAHahA~/UjNheko2VG6cPV-7njhQxX-=
R_DoDMXpAt4kRpi5G7JpvkI4T_B3fqJhCKf30dR0-iXWyBepT7H-GBCT5w8Wq_72okXuzAk9Hbr=
0yC4qh7noCO-8e6cVaknmPtTCCNjD7b2gWaQZptybKFFWEjlr45jbrOLrU23uZaRypoNqEzkxcj=
4KX7ACS7_UPwQEb05nZbZXdJTVJQaaNoGkSHlw3hEbRIEqv-F4nPMpr2dE4ZVjZCXDOekEwC0qp=
cCfHTZcmJkcEoRuUvtbN-FgLqXf400aPXFjEUlOqyAu4qckvoIbE5Q8wScoLRPiTIllZqokja-Y=
lcw6hr5ysV_OmWLrv2seRdEQeyWVHX1gXPeHR7sURigStgzq0x3GE5mgYxg0KOcKFxiVXJCnfvS=
pY9N-3aCNFfP2uR8v_U9SzW9s_pcCQhkRWBk2RNXsGHVRQUVnq3Se4h07oQOtCG86hhC2Rcg~~"=
 target=3D"_blank" rel=3D"noopener noreferrer" style=3D"color: #0047d9; lin=
e-height: inherit; text-decoration: none; font-size: 12px;"><span style=3D"=
font-weight:700">120GB at average '=C2=A34.13/mth'</span></a> over 1yr cont=
ract (3mths at =C2=A32.50/mth, then =C2=A310/mth, plus =C2=A348 Amazon or s=
hopping voucher).<br>=0A<em>Cheapest similar deal on the main network:</em>=
 <span style=3D"font-weight:700">Three</span>, 60GB at '=C2=A38.80/mth.'</t=
d>=0A</tr>=0A<tr>=0A<td style=3D"vertical-align: top; line-height: 22px; bo=
rder: 1px solid #dee4ef; border-top: 0; padding: 8px; font-size: 12px; widt=
h: 30.7473%;" width=3D"30.7473%" valign=3D"top"><strong>Spusu&nbsp;</strong=
><span style=3D"color:rgb(145, 28, 87)">on EE's signal</span><br>=0A<em>4.4=
/ 5 ("good")&nbsp;</em><em>customer service</em><br></td>=0A<td style=3D"ve=
rtical-align: top; line-height: 22px; border: 1px solid #dee4ef; border-top=
: 0; padding: 8px; font-size: 12px; width: 69.1078%;" width=3D"69.1078%" va=
lign=3D"top">-&nbsp;<a href=3D"https://clicks.moneysavingexpert.com/f/a/XT6=
M9IWr15xdsf12Ir-ynw~~/AAAHahA~/ZovW5PaAajbNTWNKJUuDU-fAqzNQVOk9CogLFxaRqEos=
z_E8IQB9c6-6eIeKicTbKPlb9hphOIJyMrHTEXZbGsbJRBAhkVip5FyiF520_BAUbgrUK1KHXv4=
OgvpYg9TRDa7QSeemqCyqzzaiMHCtAuxDxJYE6C35x0qMjho7d653_irjc9cNEipdRB9R9xmdXn=
PoP8eMmncDuOUPwd68Eu0S0sxfU88qZoOPzkFOw-xCtIaimJtF_xPhq1_85zHzK4jZmA8XHiU_D=
0LHjD36ZvV_rxKo0KbpXRxVManMkQRnN3kxOygQwr9M8eGQgF0q8t1-tkwvizfdkROTYd-ZrATB=
YcYtyqF43Lfu1UJs4IW95WSOE1WCTCOr8QeGmXsLpTO5eAu7kBMbgRAHm4aKl-RTCgA7cguD2rh=
pxMD998ZwK1zdVQ3pvdr4nDYtf_01ae1zesogYUmKul5j8kkQ8w~~" target=3D"_blank" re=
l=3D"noopener noreferrer" style=3D"color: #0047d9; line-height: inherit; te=
xt-decoration: none; font-size: 12px;"><span style=3D"font-weight:700">5GB =
at a straight =C2=A34.50/mth</span></a>: 1mth rolling contract.<br>=0A<em>C=
heapest similar deal on the main network:&nbsp;</em><strong>EE</strong>, 3G=
B at =C2=A312/mth.</td>=0A</tr>=0A</tbody>=0A</table>=0A<p style=3D"margin:=
 0 0 15px; font-size: 13px; line-height: 22px;"><br>=0A<strong><span style=
=3D"font-size:15px"><span style=3D"color:rgb(145, 28, 87)">Step 3:</span> T=
o keep your number when switching, text 'PAC' for free to 65075.</span></st=
rong><span style=3D"font-size:16px">&nbsp;</span>You'll then get a code to =
give your new provider, which will transfer your number - usually within on=
e working day. (Do note: some providers will ask for your date of birth to =
confirm your identity, and this won't work if you're on a contract with mor=
e than one phone.)</p>=0A<p id=3D"isPasted" style=3D"margin: 0 0 15px; font=
-size: 13px; line-height: 22px;">In fact, sometimes when you do this, they =
fight to try to keep you by offering a much better deal. You could shortcut=
 the process and try this first to see if they do (if you'd really rather s=
tick with your current provider). For more help, see our <a href=3D"https:/=
/clicks.moneysavingexpert.com/f/a/LGq2GbFSLK-jJ6Pbo4dHhw~~/AAAHahA~/-XD8Nrv=
IR0raQHHeYG0BK5yvXLiDPU1VX0vuGUQKYvxAjozALSn_KKVfF_EjeU1kPeFiCjB7gkaJvKzMux=
EpYycXUfYnYXfz8jYNRKrpe8y-rzUn0aSLkoY_nyRRnwImX6rt39wGpGJbpd_nzjJdYO-vPY30-=
ikYnOUVL6gfnX4W7YxWozno3NvH9QThyTi1IAWFWW0VqWJSZ739rMxRgQMyASM0b7YyVSFKLiDs=
wGhLppl65FuyFwuPvv4vSfeT8Cl5EpSXcfP33uS4SnoH-eo7Y4Wx1RST2FVoMneGM9YqflKqxt9=
sNMGuZ5cirMmBtRbsD89YugYbr00K6CvFmllp5McE6Hd_kxTfVr2WeAnoSJ8p1crlvU2TE7bsGi=
ZsElvO05696Zz0C5yVR5TD6H_8rD4dKanfzkFinZdOp3J5APzVhKpl40t05I_VyqQz" style=
=3D"color: #0047d9; font-size: inherit; line-height: inherit; text-decorati=
on: none;">Mobile phone haggling</a> guide.</p>=0A</div>=0A</td>=0A</tr>=0A=
</tbody>=0A</table>=0A<div class=3D"empty-gap" style=3D"height: 10px;">&nbs=
p;</div>=0A<table class=3D"container table--yellow nt-oneliners" cellspacin=
g=3D"17" cellpadding=3D"0" role=3D"presentation" style=3D"border-spacing: 0=
; border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; =
color: #000; max-width: 760px; margin: 0 auto; width: 100%; background-colo=
r: #fefef1; border: 1px solid #dee4ef; padding: 17px 13px 0;" width=3D"100%=
" bgcolor=3D"#fefef1">=0A<tbody>=0A<tr>=0A<td style=3D"padding: 0; vertical=
-align: top; font-size: 13px; line-height: 22px;" valign=3D"top">=0A<div id=
=3D"oneliners2">=0A<p style=3D"margin: 0 0 15px; font-size: 13px; line-heig=
ht: 22px;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/65RNeRR2COxk=
cTnRQ0semA~~/AAAHahA~/-JJWFMQRIs3zXUVMAkNYEWiaFDe4_e3uH4PgmULtp0qbgmTU95CN4=
gcy_80s-DX27Xmbzrn-Q1t31CoSgb3IJyRTlr40zb2twidpQ-hOiE8x_zHyQgHove2OqZma7Q_B=
tmUsTcgId62KwpmbRi1HRZdLf8Ynh6ubiH9Y3AUPoovkkq2LcqU1ZAHKhAn2SlgD7QEeR9BZJoi=
f71b-Dteh-0xi_uWBR4LJhDAe8wqDQZ1Hz7Jnmo8iEegjAbmmISty86wJ32J80o_1i3v2Yku7we=
kS2-XPj0ti1O3BoIulCjOWr0zS2AAf1qZ_ltRrpYCNo5s2p4PmVxnhtbyj6SazoSjl10oD9N_g4=
TPjku5oMqyoDcuCo8d3gmHjCdWnSdDlCafGmpflHAoeVWrCSOD6z20wtDpGbud431nkqvobEtG_=
bCYbkJIWgp0_72_Blv8Lk1tS6rH_tgi7adCJgS4s4w~~" name=3D"fuel" id=3D"fuel" dat=
a-eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"color: #0047d9; li=
ne-height: inherit; text-decoration: none; font-size: 13px; background-colo=
r: initial;"><span style=3D"font-weight:700;font-size:15px">5% off a tank o=
f petrol or diesel when you spend at Tesco.</span></a> See <a href=3D"https=
://clicks.moneysavingexpert.com/f/a/lXMf4oT_UsZnSu1dzlH8SA~~/AAAHahA~/-JJWF=
MQRIs3zXUVMAkNYEWiaFDe4_e3uH4PgmULtp0qbgmTU95CN4gcy_80s-DX2yU60jm0aHbxEEKl8=
PejxHmEeaGtfCmNRjlVfV32BVsub_qhWOzjdE-dj9xSi00d4zOi-bYdp9RpqKAgkCbYJeymEodS=
g3LUK6jJnm3-FaZIfDkZBqSwOluVuCwy5YroeTWKAsi2Yis5H89wg71eIQCTeNmvuZhNSm5f_32=
jekQqkYTWAO5u1Pi43SQw7k7viUb9qbKEOuXDS2F9NQXXFpu2ojmdknIzytybDkVUnBf0zihJqv=
dL1NJRnH5jPzqQ86p5jclaSD-kiq0L7B5pEi2m1nBi8Kp8_5opQPqhkwn_OQj0Zjz9MfNBX6kXq=
MrBj3FDDNCb9SniV_LfLVMd_iAZRKPPL2xEdd7333-tP4dt2lvNsheeCi32BMyCr_WaQt3qHBzI=
fs25gGevtN374tw~~" data-eligibilitytype=3D"" data-eligibilityurl=3D"" style=
=3D"color: #0047d9; line-height: inherit; text-decoration: none; font-size:=
 13px; background-color: initial;">Tesco 5% off fuel</a></p>=0A<p style=3D"=
margin: 0 0 15px; font-size: 13px; line-height: 22px;"><a href=3D"https://c=
licks.moneysavingexpert.com/f/a/7RLwU2Ey6m47ryws3X5Nig~~/AAAHahA~/h3Njwl0li=
TePTfWg7ZPTQ5ZntalDm6p1189ADY3OwP38FCQvce9ujwNq9CvQKTB1opIHZxxxyIIAE5AFiKQ2=
Cv6SQAACMuEQUTx9r8LNVma4ia-j-4JdlcdrdF31MubzbNPLRXPmppYLvs1G_vwHd8NK9AQSTfW=
U_T5f6QtDKdybTny-vEMk6xYKzDFfRbZetshdPL5zCBRcO7Me7fZlEq1PFOoRqj0_uFOmNGKtz7=
R_gkRzC_7ixbamIBbtOXbPDtBNQNkLwlGtuhuS4yBFDGfCNsL0qkr51mZWCjBlVdMzmy23nnmFQ=
oBhF3a8Vlxq7FnJ7KCXrItAiAi214MBItjxqoStEBbgkffj_ex82dOdyxavYJHfc59_wol7qhLe=
9IDc413BtQZGkEZCu77O5KzrZNdXoyTs0hzFRgno5CZ_ZHMQ4s3P01W6s3KkR5mJ" name=3D"a=
pp" id=3D"app" style=3D"color: #0047d9; line-height: inherit; text-decorati=
on: none; font-size: 13px;"><span style=3D"font-weight:700;font-size:15px">=
New MSE rolling news - get 'The Latest' in app.</span></a> We've added a co=
ntinually-refreshed stream of the latest MoneySaving news and site updates.=
 Download the MSE app for free (obvs) via <a href=3D"https://clicks.moneysa=
vingexpert.com/f/a/9sKcgNXqe9OJNUznTMRSKg~~/AAAHahA~/4db6rJ25xTANWCQFYLI-hD=
y3pF5vptBlmLzkWW8CVxJ0TaX2a1Z2HaCXXaxqqz9UKgIze2WKadE1WVn_SUpBIDh60jZQbgpih=
PuNR9mxzVz2OAcyFA07o7QAxO1H-k-IxBK7hN3dh_H-smgg6m7F1wgqyfkxyjZB_XYciyLMKYgQ=
6pe73MC7qFv2nM-dx9Sq" target=3D"_blank" rel=3D"noopener noreferrer" style=
=3D"color: #0047d9; line-height: inherit; text-decoration: none; font-size:=
 13px;">Apple</a> | <a href=3D"https://clicks.moneysavingexpert.com/f/a/c2k=
LQ2s0eVcfmg7n-M8mkA~~/AAAHahA~/4db6rJ25xTANWCQFYLI-hPi1_gGhm8Tw4m8Mhjons7XG=
6JwByPMn9zbmgJYJuXGMG4SS0pXdijDGpzDUWMxCIn2KogAkb7MsuQbAcThOiGQtlTe_-Ng-sdV=
JhhnnpWSNF_3YL8mkthYUSiIXRy1AHb7PU6D8vj60srggV3YgiMK2DCyyvQh_X78XZgnXFeb4" =
target=3D"_blank" rel=3D"noopener noreferrer" style=3D"color: #0047d9; line=
-height: inherit; text-decoration: none; font-size: 13px;">Google Play</a>.=
&nbsp;</p>=0A<p style=3D"margin: 0 0 15px; font-size: 13px; line-height: 22=
px;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/e7dhL6TXzXvV_mjCrB=
S0wg~~/AAAHahA~/QhE3zSg_DBv54lNRje6205v_tbgLFWpcJxTZ-ulzlmApZP_bSQkm0ZeG8jA=
CIG2ZykkJD37xiEs8vWxp641CMIsK5qfDWmZFTz8z1rLBfRRgMt3kEDxlXREU3Gcap8yAs5MvhH=
Dd0IgAcaEJpnrbrDhVBwokceXNNnJNXPIhLOvcgwL9_2mnAfBuwO33zvXcdMdLUdLnrcx7VM24d=
5R8tzK-5WAi8-3YV1cCPUOQcFOuHo9diEi57exdw_3c84XdmNuFi7Rao79mz57GOpI_jDpfWLZ_=
TlP_BBguPMgis19wmlozGCE4k7TbAM9CnWz45QGt-AYmRUEedTP3Ss2zT6MLeo1HjlSeUwJrk6D=
qr63mhyvuBZfzRj1Y8JhpJphs5AI2zvh0NWVavqTJUz8FSc0WnMFfgEmQhAMN24WTQKODgZ5kGq=
YzrIFUMPIACsP1Mc1-HMIo2mRDAHVkfiKgrA~~" name=3D"MS" id=3D"MS" data-eligibil=
itytype=3D"" data-eligibilityurl=3D"" style=3D"color: #0047d9; line-height:=
 inherit; text-decoration: none; font-size: 13px; background-color: initial=
;"><span style=3D"font-weight:700"><span style=3D"font-size:15px">M&S 'up t=
o 50% off' sale.</span></span></a> Includes Monsoon, White Stuff & more, pl=
us own-brand items. See our <a href=3D"https://clicks.moneysavingexpert.com=
/f/a/BjGUMFKP-i8y8qO09u9CCQ~~/AAAHahA~/QhE3zSg_DBv54lNRje6205v_tbgLFWpcJxTZ=
-ulzlmApZP_bSQkm0ZeG8jACIG2ZmGdtoeq07Ra2qj98FVf8bieEp6u02590R76iGP__L_tOcnb=
Z8jH43Ot2lmkxVxq8bTWN1slM4zE3ti9yXsZbeODX7hzmCusL9riOYCZPvY3HpT-lxwnKe2ZQol=
fXqS-6i7NciF_NGydPVSSkco0-0Qq_Au4YOZLLqkhx-C1ouD8br639LUsceMS1Vot6TkBLmmpct=
u9WbcAwYuYdziDcNbWaJOOb1pcFg0qCWaEE412T-IJ7xKk1YDMvCrl6kOqC094gEb3n-YmPVvMY=
78IvhhKK3qUAHAZI2kzvLBUec26RaSLXQKF5VrpHUe_LgHorha6DrgV8y0F_75-NINKjLTvHuRD=
u3s-bpEnJoc6vVaLNPj7IUO7l9Pd6-3RIBzV3WG-KtwZ9M6xARldbUQuKcw~~" name=3D"MS" =
id=3D"MS" data-eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"color=
: #0047d9; line-height: inherit; text-decoration: none; font-size: 13px; ba=
ckground-color: initial;">M&amp;S sale analysis</a>.</p>=0A<p style=3D"marg=
in: 0 0 15px; font-size: 13px; line-height: 22px;"><a href=3D"https://click=
s.moneysavingexpert.com/f/a/Ym8L6SznJroNmKOfiTi0aQ~~/AAAHahA~/ZovW5PaAajbNT=
WNKJUuDU-fAqzNQVOk9CogLFxaRqErzZC5obDUR0PSHpjtivjYY6_lzLxzIp8bvFppC0ahmcSh1=
nHf6I94wGDOm411lnvhULDPXbjPUQCNCLmpAi45-3XkxMMBJDHrtnl135ZerAvuHddleJteNboF=
KrWGR43czIINQFyhms6AWGkXIhTtXxjPGyAtQnZFxdGVvw3IPm_70pZUbYjqFEb15Pq4Pi6OqSb=
8oBfzO_-g3cnEc1c93HpVto0OX7YYy2I3jRk4ku1GpW2Kev_ssk0ops6j5NM4B1Y2wIzh855cv8=
z6UD6K4ZCfCJcPR-VHsLynfM4poolPgnVbAy1YYvVGYGwPrsxdh9Fu38QitUBlgm2Tf2YwHL5_K=
IUJX_TFoTe0vwsVImPN41DYIVW6Zz2GRMk4c6qs-w7vily4n52uf7MeQyHtU0C2ueA81R31Fo2m=
1fXiU-A~~" name=3D"raisin" id=3D"raisin" style=3D"color: #0047d9; line-heig=
ht: inherit; text-decoration: none; font-size: 13px;"><span style=3D"font-s=
ize:15px"><span style=3D"font-weight:700">=C2=A3150 cashback on 4.7% 2yr sa=
vings fix (if saving =C2=A315k+).</span></span></a> Online savings platform=
s let you move money easily between different banks after filling in one fo=
rm. Newbies to one of them, Raisin, can use code <strong>SUMMER150</strong>=
 to get =C2=A3150 cashback if saving =C2=A315,000+ in a fix lasting 2yrs+ w=
ith any bank on its platform. Rates change regularly, but its <a href=3D"ht=
tps://clicks.moneysavingexpert.com/f/a/AGgDIfqGAfIibprwxNme8w~~/AAAHahA~/LO=
x3RbrKFxXxGqyQ1Lz697qb8YklnHCKXyLvR-OI5HyScilg-9Vr7LenJkn5hMjswWBQxXcmrPxhn=
z2NRqCpLFAvUfdVoe_2yJhXtcUgna1tq--_g4USvdlzRtaqdOLa7PUNDRLTjEaiTp4gvqvMJG6y=
JahhqtQymRj24qQyieRiL7BcQICYjqH8JeclKPg9jFQbQGIMgPx65LTHQc78b6OQmw5NanCaBul=
u3_3sYUdfkKJdhg2r6mVDUee1gVihBQ6FUzG8MfoS8M304nH2IiaaFu69YaCDslpxs2Z9GRqSEy=
mpi4bv4xK-1uptj6deFnCtti41ILuKtQOyu-Cct2wR8zIqw9ML8FinuZT7uLxGVOXI0JEbTdI7A=
CTX2gOco8385ynYvRhhM05TrQ9pAwEHL3QBVlonvz6LtDvOgrI~" data-eligibilitytype=
=3D"" data-eligibilityurl=3D"" target=3D"_blank" rel=3D"noopener noreferrer=
" style=3D"color: #0047d9; line-height: inherit; text-decoration: none; fon=
t-size: 13px;">current top 2yr fix is 4.7%*</a>. That's beatable with norma=
l savings, but if you factor in the cashback, on =C2=A315,000 over two year=
s, it adds the equivalent of almost 0.5 percentage points. Full info in <a =
href=3D"https://clicks.moneysavingexpert.com/f/a/5p24mdUzbCPVcHDyxb89GQ~~/A=
AAHahA~/ZovW5PaAajbNTWNKJUuDU-fAqzNQVOk9CogLFxaRqErzZC5obDUR0PSHpjtivjYY6_l=
zLxzIp8bvFppC0ahmcSh1nHf6I94wGDOm411lnvhGt1siWqmjB4hNNoWw3jycS-vqeHOVfQYYD-=
bk62qDWBw41H269hci5M_7ObvZun3GA9GnP2V0hWIIvEL3uf3zth85c2EoNnC2brm-zf8dSSV39=
5AhyScw1M0EiF4rh7RYS-6y9xRIyr9HTzalBFrB4fXpRVzl_WR-kw4aikYLE0vZHQWz2OTZibb_=
EtxxYMDB4ToZhql3iBH1uoNdp5m8wHDFxhNomCrHagb_n5tdzMEQ66nn-hl66_BnxPVG-mwcMAP=
4jkeCnniX4cMYvuooI4o649ftWR1bLt3jxt3ThBysgiedCE3gQOsv_-01ZAeWb20NVpFaGMGy8i=
UyHX-1lGekUcHWB6BE5tCVOygRyA~~" data-eligibilitytype=3D"" data-eligibilityu=
rl=3D"" style=3D"color: #0047d9; line-height: inherit; text-decoration: non=
e; font-size: 13px;">Online savings platforms</a>. <strong>Saving less than=
 =C2=A315k=3F</strong> See <a href=3D"https://clicks.moneysavingexpert.com/=
f/a/Ia5BmUnoOAYJLxpuuDgBTw~~/AAAHahA~/VOE7H-YRby2Wx-jR6jEVTQZO_lvLdUPSKnecy=
4g-1o-G-WLn6XcF91NPIMC4qEB89wWyvfFq8bBx6qBjuKEJmNa0Ipi6kDOUWy-WLurS78G1LkrY=
oka2MyGn-MM22eaK2p_wromL7Km_yy_d7_-MDRmwlX0e9vO-R8M7WDUPFPxPYftyhgeKgAt51-s=
ZELWwCiN59g2vLajKKE6gWT0eTrxJJ65CgSPbyspqoWh-PXpiLx3W2BAMKfMvFkyUBIOVnQTHQo=
cc2zHJeF_-10azVgGPmfDepOJ8HyJEYS3R9t2hJceaJ3lZKqprDIi4SCLTHcbR4GgaycM_MVaup=
guo-Th9ulbpSpMA7Fkbn_O6mVUBwGNkMSS_z2dcrW17ZEr2TVxm_02AOTiMbOFDzjgMFLnO9Qoo=
Z-PUm60oCLQMd4iXludlsFnt_sToasCjssdmaJJupw4ktf15BJNNpoT1cw~~" data-eligibil=
itytype=3D"" data-eligibilityurl=3D"" style=3D"color: #0047d9; line-height:=
 inherit; text-decoration: none; font-size: 13px;">Top savings</a>.</p>=0A<=
p style=3D"margin: 0 0 15px; font-size: 13px; line-height: 22px;"><a href=
=3D"https://clicks.moneysavingexpert.com/f/a/GfMqLL37CE4L7HQ9e81rJg~~/AAAHa=
hA~/s-EJlEG3tHom05WRaL9gPHhYc4uthnPsVd-VP5SkB09F1brRaBCpKG6ofdVgM2pD2BdvdjC=
igs50O3I9LJzPt9aCpoNKzQ_eEbCn8jWin9Zq0ARpET24wXx6I3gumsuNV1jFvB8yMPpGNSONjx=
tQKmk8hWCdxzqY3i85-5vw9YslMoqls2k7KSF55blJ3Xe-jcrlL-7u3J1CoAHM8Ct1IuFa_98__=
vdfIRlx55BfT0HZLqNeJDa1ZHZYiulfTtPKA_xeM5hKI_wxtnNSgsjnNfHPP-G8c59e_84C4XZL=
Agub08yb7z4yRPuoJkHyFqKQqyAdftj48HXua9r8s3x_bv6l2POx4a_HD4r-mjfEe2gfJl7qsT5=
XGekP7viDKZnGe7227lpQwKoc_kwP5TQWzr3JkouSon_J1yWulP6afamCyDiWAiDS9ThliAmCTg=
_AuhlIJLLYXTGa10xEldoNwA~~" name=3D"wine" id=3D"wine" style=3D"color: #0047=
d9; line-height: inherit; text-decoration: none; font-size: 13px;"><span st=
yle=3D"font-weight:700;font-size:15px">Case of six wines & six craft beers =
=C2=A345 delivered (normally =C2=A398).</span></a> <em class=3D"text--teal"=
><span style=3D"color:rgb(0, 130, 132)">MSE Blagged.</span></em> Includes t=
hree bottles of red and three bottles of white. 3,000 sets available. One-o=
ff box, no sign-ups or subscriptions. <a href=3D"https://clicks.moneysaving=
expert.com/f/a/t3qRmOqxxvk-LHVsVldxKg~~/AAAHahA~/s-EJlEG3tHom05WRaL9gPHhYc4=
uthnPsVd-VP5SkB09F1brRaBCpKG6ofdVgM2pD8MbzVhCHPNxTJaCP7DC_8d3BhZGBFKEvUWo5i=
uJtoDRaAfOfTrfaYwh_G9qkSF2SEqdvuhehOiQe7k8o8ohNcoFlMmoyiVuaNbpdcCPX-rsbaCv-=
ZrUO6Wx6jIsJc39xISEAigJI8JcXfNV9iTSf6_f9ciY7x-IUJzogEHlYUwO0q_hE7NHRbXacKPA=
_vMJCUJpxx18TwrXeTrThhJsGpCpk8WfbPZyn23Nu2EkDFdk7UOWq8P9gJCnnXRenOPt0voA35K=
WTi3S4QNQjfW9LeiQ-0jQ3Yn2BiEzPnPB8OH4qpVu4Gie-KuThsZtFH4DRn3CmpkFc6lNalRshO=
GjTDafGH-OsgWIqSEJqObVN9Fq2dtLDgQsK1Rvem_8uolaq30ESFowFwFeXQF7GP-rW8w~~" da=
ta-eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"color: #0047d9; l=
ine-height: inherit; text-decoration: none; font-size: 13px;">Via Wine52.</=
a> Pls be <a href=3D"https://clicks.moneysavingexpert.com/f/a/Scwh44j4xd83S=
7ROfVA4hw~~/AAAHahA~/q-UecaQb-yHr2h5WAEDkpIgW3hGaa9cugZBpxq3GeIqcVYlSV5k4h7=
dPqa0BwrYou0Xkp65_56Fj2dCuAoVmoa7NRINmEv6rns_fHPjULqKcfEFHwui0MN0eKTq3iePX5=
5EUHbzn6Tm_S0lCORZ6Kg~~" data-eligibilitytype=3D"" data-eligibilityurl=3D""=
 style=3D"color: #0047d9; font-size: inherit; line-height: inherit; text-de=
coration: none;">Drinkaware</a>.</p>=0A<p style=3D"margin: 0 0 15px; font-s=
ize: 13px; line-height: 22px;"><span style=3D"font-size:15px"><a href=3D"ht=
tps://clicks.moneysavingexpert.com/f/a/T-AeOYf6MYTHi9NOBuHezw~~/AAAHahA~/Qh=
E3zSg_DBv54lNRje6205v_tbgLFWpcJxTZ-ulzlmApZP_bSQkm0ZeG8jACIG2ZfL0ph8vJ8JGdO=
rQU075kyQhmHi605FPnbMhrYplhisn0Dp5UBa9wMQ14Tks6sglZmYbVV_hlMrcHOfsOTKfe0vYG=
GBhYCFBz6q6ech7kN1Uu6NoRT19BkjBlMPgdeVRgvw-G3mYlSTGSbVNf589YDd_cRwXQ-hX1xiP=
UqIX8Oh4brSqLW5WluZYHkVqy1aDld6xjfxAwtO9T5Zd9d7d0QSi1q4q8g2EIeRKJM8lIRlZwBF=
lyZENdlJKZp8t2pRvym8UBdpGEFr0HFCd-F6HTQmWiDkZ9WMl6zEXNxRpeSWVYG1jxQ1g4n2MSy=
dnuFq96NAvN4gomZ6unE294W7W5d3g5f0yE83klyjMJYBnW8CG4Twc7LRoLRFdBziN2DIfX9xRm=
wWvXpJzH1TteshHJfw~~" name=3D"readly" id=3D"readly" style=3D"color: #0047d9=
; font-size: inherit; line-height: inherit; text-decoration: none;"><span s=
tyle=3D"font-weight:700">100 days' free access to 5,000+ digital mags & new=
spapers, eg, <em>Gardeners' World</em>, <em>Vogue</em>, <em>Good Food</em>.=
</span></a></span><a href=3D"https://clicks.moneysavingexpert.com/f/a/GCiUj=
DCiUCstIS6sKJKhEg~~/AAAHahA~/QhE3zSg_DBv54lNRje6205v_tbgLFWpcJxTZ-ulzlmApZP=
_bSQkm0ZeG8jACIG2Z_wx80X49k65nVJv2OIxVC5ZMbDUSozrPcBsnA7GBwrMS1YdglW-Cjx5-v=
BwLS_w8uQZ_cyzgmVczFHGuOp0GJAq0vfoVxrmlgrtdW0EQdbdQ7VYTg4cLRRBFdbeWG1MoD0vZ=
KGiQ2cYwQKd8hso_EG_dijmlQEj_dt2EY6qZCIHgR7N0OpPeuotJEzkxj-5vgFSDO8TbZzDbzL2=
_FMsAAKbFbwF6pLTOXJgdvrhnvgNQ5JvAVgE_OgJKfNMnpzfMFosHqFcqFIrLduV4cDgQ1sRDZO=
wEfjIkNzND6twJg6tT-tOCBJJkK3o70J5mUd8tADyb5Xgh_EFtc3xamIH_4ElZlF2rXO8ypB3m3=
WAgVW2dCy3xVtofh17SP7F9pYV4q1SZSx50EZ79OKC-GCQykA~~" name=3D"Readly" id=3D"=
Readly" data-eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"color: =
#0047d9; line-height: inherit; text-decoration: none; font-size: 13px;">&nb=
sp;</a><em><span style=3D"color:rgb(0, 130, 132)">MSE Blagged.</span></em> =
For Readly newbies & those who cancelled over six months ago - ideal for su=
mmer travels. <a href=3D"https://clicks.moneysavingexpert.com/f/a/LCIZSH-aH=
ucdNobx50hSNA~~/AAAHahA~/QhE3zSg_DBv54lNRje6205v_tbgLFWpcJxTZ-ulzlmApZP_bSQ=
km0ZeG8jACIG2ZHFYAyJYdwTPCLhR8zrDNxNdXTC6QNkefluT6wNa60sxu7kV5z5Lpon5InFLAh=
fzxLtMZvw8u5L9DGjs6F9CtAmtux1YWvbimW-iJmNNXNc40YaaZXcISgX-nikLnocTlgbD9CFSQ=
_Cdw_aMH6yDJSQJW-mMzOE0dVRpWk3wCE6ZZmvxItVd9P2-1CU7FDb3WtNZ19EwdzWUIvYYtkAc=
qAORDZ12FcP568lI0W02a2q-3vd-NfsubUpsQUjpGTIo5qjD-WJZoohQ64bPhqF1S8WpKAFqmJL=
UNtggTsnJT8x68-s6rZ-ZQm-335k0r5dH1n4-m7HWc5t03C0v-a_GjNqa7TSdkIPi514Vm86ktw=
B6ioopkBYjdfFtVz3eNsh8wt0ud8I0F0WWhoOhmYgXnug~~" name=3D"Readly" id=3D"Read=
ly" data-eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"color: #004=
7d9; line-height: inherit; text-decoration: none; font-size: 13px;">Mag-nif=
icent</a></p>=0A</div>=0A</td>=0A</tr>=0A</tbody>=0A</table>=0A<div class=
=3D"empty-gap" style=3D"height: 10px;">&nbsp;</div>=0A</div>=0A<div class=
=3D"full-width grey-bg" style=3D"width: 100%; min-width: 100%; margin: 0; p=
adding: 0; background-color: #dee4f0;">=0A<div class=3D"empty-gap" style=3D=
"height: 10px;">&nbsp;</div>=0A<table class=3D"container table--body-bg tex=
t--center" cellspacing=3D"17" cellpadding=3D"0" role=3D"presentation" style=
=3D"border-spacing: 0; border-collapse: separate; mso-table-lspace: 0pt; ms=
o-table-rspace: 0pt; color: #000; max-width: 760px; margin: 0 auto; text-al=
ign: center; width: 100%; background-color: #f0f5fb; border: 1px solid #fff=
; padding: 17px 13px 0;" width=3D"100%" align=3D"center" bgcolor=3D"#f0f5fb=
">=0A<tbody>=0A<tr>=0A<td style=3D"padding: 0; vertical-align: top;" valign=
=3D"top">=0A<h4 style=3D"margin: 0; font-size: 16px; line-height: 16px; col=
or: rgb(179, 23, 23);">Tell your friends about us</h4>=0A<p style=3D"margin=
: 0 0 15px; font-size: 13px; line-height: 22px;">They can get this email fr=
ee every week</p>=0A<table class=3D"social-buttons columns--three" cellspac=
ing=3D"10" cellpadding=3D"0" role=3D"presentation" style=3D"border-spacing:=
 0; border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt=
; border: 0; margin: 0 auto; padding: 0;">=0A<tbody>=0A<tr>=0A<th class=3D"=
columns__padding-right mobile-full-width" style=3D"text-align: left; font-w=
eight: 400; padding-right: 7px; width: 33%; vertical-align: top; padding: 0=
 10px 15px;" width=3D"33%" align=3D"left" valign=3D"top"><a href=3D"mailto:=
=3Fsubject=3DMoneySavingExpert%20weekly%20email&body=3Dhttps://www.moneysav=
ingexpert.com/latesttip/" style=3D"color: #0047d9; font-size: inherit; line=
-height: inherit; text-decoration: none;"><img src=3D"https://images6.money=
savingexpert.com/images/weekly-tip-button-forward.png" width=3D"180" alt=3D=
"FORWARD" title=3D"FORWARD" style=3D"-ms-interpolation-mode: bicubic; outli=
ne: none; text-decoration: none; border: none;"></a></th>=0A<th class=3D"co=
lumns__padding-left columns__padding-right mobile-full-width" style=3D"text=
-align: left; font-weight: 400; padding-right: 7px; padding-left: 7px; widt=
h: 33%; vertical-align: top; padding: 0 10px 15px;" width=3D"33%" align=3D"=
left" valign=3D"top"><a href=3D"https://clicks.moneysavingexpert.com/f/a/g5=
kyfGnZJWLp6m-wG5f2OQ~~/AAAHahA~/AL1cRfTeB6-3LJprVxMOg4dgPkRR6tnLPaM7rS2KKQM=
hGO38FA7UlQzMBA8ewX0PAi9SGheehjC7M-IQtzdzpsIthieuYkHMeoNNnQ9Tc-lhI0AY1WsezL=
n0yoT9LSBEjxFU5Al7mvwtiMkzpJzXAGH6ATQe-5L04lL883_q6CsVxD2YVs652sJxye4l1AhW_=
H2qu2v7ZRCn8Iaad5frcvOrGJFoE_llV4Lzo-thoGY~" style=3D"color: #0047d9; font-=
size: inherit; line-height: inherit; text-decoration: none;"><img src=3D"ht=
tps://images6.moneysavingexpert.com/images/weekly-tip-button-share.png" wid=
th=3D"180" alt=3D"SHARE" title=3D"SHARE" style=3D"-ms-interpolation-mode: b=
icubic; outline: none; text-decoration: none; border: none;"></a></th>=0A<t=
h class=3D"columns__padding-left mobile-full-width" style=3D"text-align: le=
ft; font-weight: 400; padding-left: 7px; width: 33%; vertical-align: top; p=
adding: 0 10px 15px;" width=3D"33%" align=3D"left" valign=3D"top"><a href=
=3D"https://clicks.moneysavingexpert.com/f/a/1OGDllF93-85vc1CJsyymg~~/AAAHa=
hA~/KdEeJSjrgWGJpSGGWkO6wY_2HsR24cr0BdlxTLukjpIkzVVTn_6pVc4gdrY1TbWpnQ6dYu7=
JTK28D3GFQcfNXTIvLrf6TmSRkIOmjIkZm4NoaikWQy9nWTUcml3eo28zI_FVCLxJRHoiPNvLOP=
M49CEIePI2dCB6_2dN1VU4oxOvc1lnVgI-xUWMkXT4xFij-Y1bkyxnGPUn6ouEPrz-CE7D9sISf=
M9VCmRDt7E7E38~" style=3D"color: #0047d9; font-size: inherit; line-height: =
inherit; text-decoration: none;"><img src=3D"https://images6.moneysavingexp=
ert.com/images/weekly-tip-button-tweet.png" width=3D"180" alt=3D"TWEET" tit=
le=3D"TWEET" style=3D"-ms-interpolation-mode: bicubic; outline: none; text-=
decoration: none; border: none;"></a></th>=0A</tr>=0A</tbody>=0A</table>=0A=
</td>=0A</tr>=0A</tbody>=0A</table>=0A<div class=3D"empty-gap" style=3D"hei=
ght: 10px;">&nbsp;</div>=0A</div>=0A<div class=3D"empty-gap" style=3D"heigh=
t: 10px;">&nbsp;</div>=0A<div class=3D"full-width" style=3D"width: 100%; mi=
n-width: 100%; margin: 0; padding: 0;">=0A<table class=3D"container table--=
white" cellspacing=3D"17" cellpadding=3D"0" role=3D"presentation" style=3D"=
border-spacing: 0; border-collapse: separate; mso-table-lspace: 0pt; mso-ta=
ble-rspace: 0pt; color: #000; max-width: 760px; margin: 0 auto; width: 100%=
; background-color: #fff; border: 1px solid #dee4ef; padding: 17px 13px 0;"=
 width=3D"100%" bgcolor=3D"#fff">=0A<tbody>=0A<tr>=0A<td style=3D"padding: =
0; vertical-align: top; font-size: 13px; line-height: 22px;" valign=3D"top"=
>=0A<p class=3D"text--msc-title" style=3D"margin: 0 0 15px; font-size: 13px=
; line-height: 22px; margin-bottom: 10px;"><strong id=3D"bb-at-a-glance">AT=
 A GLANCE BEST BUYS</strong></p>=0A<table class=3D"columns--two table--tran=
sparent" cellspacing=3D"0" cellpadding=3D"0" role=3D"presentation" style=3D=
"border-spacing: 0; border-collapse: separate; mso-table-lspace: 0pt; mso-t=
able-rspace: 0pt; border: 0; margin: 0 auto; padding: 0; width: 100%; backg=
round-color: #0000;" width=3D"100%" bgcolor=3D"#0000">=0A<tbody>=0A<tr>=0A<=
th class=3D"columns__padding-right mobile-full-width" style=3D"text-align: =
left; font-weight: 400; padding-right: 7px; width: 50%; vertical-align: top=
; font-size: 13px; line-height: 22px;" width=3D"50%" align=3D"left" valign=
=3D"top">=0A<div id=3D"bestbuysLeftOne" class=3D"nt-bestbuysLeftOne">=0A<di=
v style=3D"font-size:13px">=0A<div class=3D"best-buy__header" style=3D"bord=
er-bottom: 1px solid #bcc3ce; margin-bottom: 13px; padding-bottom: 2px; fon=
t-size: 15px; line-height: 22px;"><a href=3D"https://clicks.moneysavingexpe=
rt.com/f/a/iGOWbknlgmNGXKxUFiKYDw~~/AAAHahA~/lShwT3Kr_PGKdtYUea-e3uLtyhBFmh=
9A1B2ElJ6mVuZpdTV3OQqiU7gY6mSWxcH1lecZqaOthbAeGakKGBv1kzYTpvTYQAbasfCj5ly-W=
4neoDljIIz1aqyClaU1q0UV7Ah0lyarfuXfonipaOALI6pHQi6iFoH8kpxsVZjhOntg3-SCJqJt=
zQxJQYpskG8JX_46JgkTJfo7rXDdlx-f_EqpTKEVaMd-L9x3Qw6F5slXbFeWuww2dtTR7FSYXVt=
rbQPt68_RBfmSTx1gI-p1Cs7dXaf0qxpbKQazHh72PgWfTOfVWAjmt9D-PYcgLACoAUV1WJ1qK5=
fy52hecHxG08fjgi5XDxD4HorbYW9w4ajvlyiHj4LzEzRfLgR3YJfcYAnJXVGL9d3oZbm56XjO5=
Be5QT3frX2bCo_5xebo6ksCrZlsvNTxL4ikKfp2u1-6eN6XHnwrrtQ0V7pUFcd9Z0Uw-wBDtjxB=
BueTa8jSx5I~" style=3D"color: #0047d9; font-size: inherit; line-height: inh=
erit; text-decoration: none;"><strong><span style=3D"font-size:15px">0% bal=
ance transfers</span></strong></a></div>=0A<p style=3D"margin: 0 0 15px; fo=
nt-size: 13px; line-height: 22px;"><span style=3D"font-weight:700"><span st=
yle=3D"font-size:12px">Top definite 0% card + =C2=A325:</span></span> <span=
 style=3D"font-size:12px">HSBC (<a href=3D"https://clicks.moneysavingexpert=
.com/f/a/Ren12YjSurm09L7IOWNTLA~~/AAAHahA~/EITsnVvIn6Gh45i0SyKIPixVMplRvae=
E3FW_fZHtl24UGvKH6GxiJnszKvLGlAvPEMf-Br0PDFSwaKn-jwlINy9cwkzDie_748cwJEg6tD=
ZM3MouzLAKCKjxDKbR6lQhtghRgWxeEgenCdAyhSclkkoGoOk4snT13MAWrzL0LUDPteYl-U5wR=
Qj78gevrDf0ZHoo0284Z_H3EqnfDZju9CWFL4UWMN4EAZ4802qfl3cCMVMTjQu9sBUZmQLzcy7Y=
dMV-HL8GPWwyN4M3aFRYzGj7CDeEPuAK2c-C4R2iKdoSCYtXlTjukjBbLN5PDsGnyYmw3hptivp=
smKE1EmzaN7HWwGVDHI_3FduezdI5sVkphRVDEWLZ5_tXnUSFXxPiX_VFduO_MTSmYOKCvhcEvd=
8uBByccutJVUkXEnKf08BAQ98cIQ6YMW-56lYydo7BXpzV1-Dly35AL88v11H6bWlfX-yFJE1zX=
JI02TjRc5yDlogXP8Yg1Uw25pO2wAilM0zvxkOfeBuD6FCYifgQaHwPETOnOHO7aopAG34dd0U_=
MI-va5869gD8a7jIRBtm" target=3D"_blank" rel=3D"noopener noreferrer" data-ti=
p=3D"msetip~bestbuysLeftOne-one~2" style=3D"color: #0047d9; line-height: in=
herit; text-decoration: none; font-size: 12px;">check eligibility</a>; exis=
ting customers&nbsp;<a href=3D"https://clicks.moneysavingexpert.com/f/a/juI=
_sERPAxLzC6n3mhReVg~~/AAAHahA~/0oEXPDDBl9BeNRXLD5NXbCwOxKJrsbdNMzkKy2WeqFaV=
NmKhgKa098kU5LZrFCr-pzPQQi_rftnIRpv_gKGH8Fgk3PX66ZtKvnTUlfArtn_eS7DOIlb3A69=
dE7qPpUZJSLUnMbKEWxqZSuj4X_kuX8NI7xz1jZF993NT5D8poupl_AeNGnefQgrvnEcn_F4114=
og51CUeECKkFjNKx4ycO8RKpfuMoRWyRxmMwMTQCKFzGcFZqD-TQwA_CIodIy2KD4Bl8FSjeFj_=
E8Tk9jEGCf9t2SyOqOaNxVPItqLkyg7gKOGicKcNYtpclX1eg_dGA8f6E6bvOyYggdYy9zqb_uQ=
kxB98X4uXMw0UWNxpvJKk-yJR8dpO3pDdoHhnl9TRlo7MaItflTUeTBaW71L-yFjBk07c5ULmAX=
Rwun2FVeVt0_73z-U2QTrwprH6eiA45H_wuNX5uLH9bBOQckhtVNbgKLFYzo-apcFJHzStNw05c=
zhX0nfx-MPXr0A7Uqo8LKVcE1gG6inWPwklPPVu1nsySh_dKVhzCMyIEIDcZXtsFJZFIAif5Mpg=
WruQTGg" data-eligibilitytype=3D"" data-eligibilityurl=3D"" target=3D"_blan=
k" rel=3D"noopener noreferrer" data-tip=3D"msetip~bestbuysLeftOne-one~3" id=
=3D"isPasted" style=3D"color: #0047d9; font-size: inherit; line-height: inh=
erit; text-decoration: none;">use this link</a>), 36mths 0%, 3.09% fee, 24.=
9% rep APR<br>=0A<span style=3D"font-weight:700">No-fee 0%:</span> Virgin (=
<a href=3D"https://clicks.moneysavingexpert.com/f/a/Vz98rUbbgWcz8IFW0idSzA~=
~/AAAHahA~/EITsnVvIn6Gh45i0SyKIPixVMplRvaeE3FW_fZHtl24UGvKH6GxiJnszKvLGlAvP=
EMf-Br0PDFSwaKn-jwlINy9cwkzDie_748cwJEg6tDY6naFALpN2mAfcIrGuMVHGdqtn-erQLoN=
e28rPDOVW42NfDGXG-THeJ4OCzSK85pH0c7pcYd9GWjVS9G8_vBvel_Gd70rOUNWbrSECqkuXB-=
vgadL6Q45BlujgR_xPEQdloXrzocZOC0ECYSHcB67dsR7kRc5AfnUJzfh3GxB3wSYugZou5rGkT=
MDaNPGkpvx5M9a7uHK27LfKkxMhDq1R9KcjvbQUKRPnArEcB5Sgs24k0zJKdjCzwno6_s0cQKgD=
_t8Lc5zctlazehnNGy7B0XcRZDZh9n1w_2ha_7r1wQquVIPgSEDC1FYVS_y2qQ8-sxoqPttSGNp=
QdEXfW3WguRmJ25kuzst1sh5PWqDoznoAUKewPoQ5dJ2bYwVKgKZTSsxCfqPXrOy80e6qVTvmJU=
0O12H6TV6Ev9s8Xf1gts2Cj_xib7KK0u_lkc4jA509bs-PqYCMhHQ7IqzzM-7A" target=3D"_=
blank" rel=3D"noopener noreferrer" data-tip=3D"msetip~bestbuysLeftOne-one~3=
" style=3D"color: #0047d9; line-height: inherit; text-decoration: none; fon=
t-size: 12px; background-color: rgba(0, 0, 0, 0);">check eligibility</a></s=
pan><span style=3D"color:inherit;background-color:rgba(0, 0, 0, 0);font-siz=
e:12px">) 12mths 0%, 24.9% rep APR</span></p>=0A</div>=0A</div>=0A<div id=
=3D"bestbuysLeftTwo" class=3D"nt-bestbuysLeftTwo">=0A<div style=3D"font-siz=
e:13px">=0A<div class=3D"best-buy__header" style=3D"border-bottom: 1px soli=
d #bcc3ce; margin-bottom: 13px; padding-bottom: 2px; font-size: 15px; line-=
height: 22px;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/zjcwK7E1=
8y3ARlOvzI4Hwg~~/AAAHahA~/YxF9_Y77y0EcrentLdPu2RmYl4Q88AuEX47LX9sUnQOHLpAyM=
Uhg5JEm6oBGI98BnSbUIJ5t8EloE6msCE5d1MOsgPr79diyXL3NwWjqFmfUC5q2mEkimtgS6Voh=
y-r7Eic01XoRKOYnJIT0LVtIFMgbteGY3BZ1nzbj1CozLePKp2i9XdZTQR5CWXcYDpm2KWSX0Qd=
lPVIiEV6mjvngD8v1oFlDBF-m9vd3PbKzTayxs5L-a-LPoNcJyRCcfRfRPDwQ_u79PXdxnX77X2=
HDXJ-aalHJ2Nvul361OT4e13Cwr_c7f4xJNh-oHUUWhV8Mubpxk9bUp-mulyQ9ZGy4lmIrgtAjg=
PUy4U8cDucmVR12BJhp__tGEZavXpa_Bs69de868BOXkT0-BkPcHBzwOPWQ0Vuygnu5VO9m72dN=
TlB06sO4tcUCKJzVqACTwaUXY2E5WyUWGGINUW8w2AIG1g~~" style=3D"color: #0047d9; =
font-size: inherit; line-height: inherit; text-decoration: none;"><strong><=
span style=3D"font-size:15px">Best bank accounts</span></strong></a></div>=
=0A<p style=3D"margin: 0 0 15px; font-size: 13px; line-height: 22px;"><span=
 style=3D"font-size:12px"><span style=3D"font-weight:700">Free =C2=A3220:</=
span> <a href=3D"https://clicks.moneysavingexpert.com/f/a/AAq7UHUu_LI2I68CZ=
ib1iQ~~/AAAHahA~/IMpb0odD7tr5G_aTELOu2i3n2l32xKnOmEeDtDKthuXcExW5NtL6DKa3vI=
Q8VPXGAhPzeXo2et0QQBxMXw35gILSCNuvaQN-ZelZzevo6q0juh283z2EOYva9TVj0H-sg5MFH=
p-2vWThobk6wdYj4Xvbil5PNMJvsYWw09WdIg4ftk4a1VPWir-SfoM6q6hl4NDtwDlmU3_JfW_E=
smrOSqUMguEKvPBOiKZ8aR9ozluftErTkKLZxgJnGO61jMdigtZZz4y_AnJ7Jflvvdnx7pT_m4W=
pz_Asu_rTp5Q8gYjhHbik2O2m9Kxssm2rQ8WyzR2h4TggYkft2kwsQyjcfJvmRJWY3DndBI-gCa=
kMKXmMS6j76KJdEaT1A5AKuxj2tl3CqVelL7Y8JQm_OI9Cw5lCo_2BleP9acLvot2i74VWX-2-y=
ZAe5TNNrM9GshcMZ-hjy6Y9zVqWMldNf2gGcQ~~" data-eligibilitytype=3D"" data-eli=
gibilityurl=3D"" style=3D"color: #0047d9; font-size: inherit; line-height: =
inherit; text-decoration: none;">HSBC</a></span><br>=0A<span style=3D"font-=
size:12px;font-weight:700">Free =C2=A3200:</span><span style=3D"font-size:1=
2px">&nbsp;</span><a href=3D"https://clicks.moneysavingexpert.com/f/a/tB-cP=
54KUoPjgDNADONLxQ~~/AAAHahA~/4tDwnKfHVb3NsrSNtySx9cj8SK1sAGZOLzaNQexY_hT34q=
XhoDbTg_y7ZN8C7pKqEoO_7jh6pzHILSsu0wfdaylHuudc6E51HdTeShmM6YJr7JOTRLBjBuNMB=
sY-d_PedawR35dAJdCWvti_rZuq_Ldr9_unKLLhkubZFAgQzkCLD_JdPuTCuDJMFNon49jCc3uI=
Tgv1yZtofTVi4zRhtYa0hTExiNjtqgq-3PVHBvK-lho7ACFbZ8JNIxUV0WSTFBKC8-N1OTS6jEe=
WBvHgceNYgYFHTqWLXyvKCj24Tj5Y-t6tsL66Qx3aoeRK5nw7nsslGT2wcRDSo3r8efHTleLJcR=
M_xB62Dsjz2_saEZzktfkBPQn29iNX94d92QDleeupCa4bDz44Cxz3NGq9QoeU__r5-B0vHSJir=
P0i8XTR5zk5FxtwM3f7cAdcWAeTqJic-4zlr_TzzdGzvgeIxALqoOIr4T4fZB_MInlJ74M~" st=
yle=3D"color: #0047d9; line-height: inherit; text-decoration: none; font-si=
ze: 12px;">Barclays</a></p>=0A</div>=0A</div>=0A<div id=3D"bestbuysLeftThre=
e" class=3D"nt-bestbuysLeftThree">=0A<div class=3D"best-buy__header" style=
=3D"border-bottom: 1px solid #bcc3ce; margin-bottom: 13px; padding-bottom: =
2px; font-size: 15px; line-height: 22px;"><a href=3D"https://clicks.moneysa=
vingexpert.com/f/a/_cC-B7Vsrz-SBsSgo2Rh1Q~~/AAAHahA~/NuPh_55sYXvb2w_e45QWHn=
ztOK3mBKaeKwCqnQwEJRhxT2yKZ-pM9_sRApvT8mbkOLyE7W0vyGChgSrzu4npH0d1_RJVjUP40=
0p2KzxCLY_YHw67u0IVgMNshbN3QK1veJGEfRO8ehmXVpEfhYZGvOVkx7EMFnNRqg0B9OjXOftx=
XcDoboXhRM9fG_F3-1RvY3wouv0xGts66qYEvQFCRTsdJbbOZl5S7CWkumeztSlbGwxSx1a97zl=
TpwWBi0RAQwdV5yMndUxwHV2PXZG6eTQUsIJ7PvbeaLBlKOKYU76VFwVSJkbTHuZYkc1qQPVYFj=
1euEwF-WYQIgAPNhBynlESw0d58ArWbJrZtD9H9zjyw5uUP2vk_iJBNZf11RjNckyvFmslmvjhL=
h-aa21H6-ojsU11yfbPVkujYf4iz9R2YHh1rSt9StyR3DeGCYY5n-eNVc3awYZiQ7z_ly8eEA~~=
" rel=3D"noopener noreferrer" target=3D"_blank" style=3D"color: #0047d9; fo=
nt-size: inherit; line-height: inherit; text-decoration: none;"><strong>Bro=
adband top picks</strong></a></div>=0A<p id=3D"isPasted" style=3D"margin: 0=
 0 15px; font-size: 13px; line-height: 22px;"><strong><span style=3D"font-s=
ize:12px">Fast fibre (100Mb+):</span></strong><span style=3D"font-size:12px=
">&nbsp;</span><span style=3D"font-size:12px"><a href=3D"https://clicks.mon=
eysavingexpert.com/f/a/-ftSrs-gzX7ylJbktT6cXQ~~/AAAHahA~/4tDwnKfHVb3NsrSNty=
Sx9cj8SK1sAGZOLzaNQexY_hS-bko0OlXn1inbvQye9rYimSPdC-uof2xLFYMpR8HjIO65W7qBe=
1CTxGwIMRytNQhuWLQ0-wuLGe0Xm9OF9oWDDABHEnBG-jgaDgKHyCMgLM4HsSSKrFzH2zSp9bCM=
N3PK7R5Foqrk3Qnp0MGejFZUiLF3r4gPe4zSteRj7y8u_wPaZmxqPMdBQxNeG-9_1lSsRIg1t0M=
ucZBFS-Ed9LXZMAz4wZbWHcYhQYiVV_wVO0pb-txTPlmN56jO9dKH_TtLEtT57rWaZVPUWs32_r=
0kCGz6E2fOYUsUC3BQjiUvYh5DpcaJz7xKhKDHGCAFeAzCKjuoaDCLHFgEjjl7LOJyzjqdq855K=
cuJGYq0P95SCdpV9hGl17UdusOK1YqXDSK3r3jWdh4W9kApmv_Gw52u868K5czxV_IL_6sZB8V9=
hMsDdiUigWkSv4n-YIl0mb0~" style=3D"color: #0047d9; font-size: inherit; line=
-height: inherit; text-decoration: none;">Sky '=C2=A317.17/mth'</a></span><=
span style=3D"font-size:12px">&nbsp;<br>=0A<strong>Superfast fibre (500Mb+)=
:</strong>&nbsp;</span><span style=3D"font-size:12px"><a href=3D"https://cl=
icks.moneysavingexpert.com/f/a/RVdeTpyHzpuN3Rf0SVfLpA~~/AAAHahA~/4tDwnKfHVb=
3NsrSNtySx9cj8SK1sAGZOLzaNQexY_hS-bko0OlXn1inbvQye9rYimSPdC-uof2xLFYMpR8HjI=
O65W7qBe1CTxGwIMRytNQjgMSd3uia7lEtxeiTC0yIQEKSHJE9blgDhoB5ySIcJsZeeLxvTT37G=
JLtNRL9UKJMVAFDvHcwsGZmo2PPjy0-PMFxgoAadWbKVA7nKAcqzBveo2EraehHzY7PmMhrfzq9=
3oc44FKzPz4AH9L1PGTv6fy0E-iwbx9Cs8qO658fv0lXqDRKK3oRi8aJnyqCf10Rga9qef4c9dj=
ZaHnVAXLcYh31fY7sm6g-TNPsKrjDpUXc7kMFpNl8ETS8SJ6XtXVPrwY5RD8hoQ9GKgbNMwFOqI=
WoasskcL7kEUxNkjWVybCqeW9dNH8svvZ1aCYPt3dWCmFKLDJe3xpTbDzYmBYTo4Ue01O1ixgSi=
77ztJnDD3F_otVexEXyr2jqcp1vb6qQ~" style=3D"color: #0047d9; font-size: inher=
it; line-height: inherit; text-decoration: none;">Vodafone '=C2=A322.71/mth=
'</a></span><span style=3D"font-size:12px">&nbsp;</span><br>=0A<span style=
=3D"font-size:12px"><strong id=3D"isPasted">Ultrafast fibre (900Mb+):&nbsp;=
</strong><a href=3D"https://clicks.moneysavingexpert.com/f/a/FgXvEWt-cIa_U9=
4FsGqL3Q~~/AAAHahA~/4tDwnKfHVb3NsrSNtySx9cj8SK1sAGZOLzaNQexY_hS-bko0OlXn1in=
bvQye9rYimSPdC-uof2xLFYMpR8HjIO65W7qBe1CTxGwIMRytNQibvzgrqAusdukgYYGfioty9t=
xN0kUAB7iFoKQQVSzcjFzkOm1ddD4MvOFwmXhsJMzigRKW7WMtDowlUyjydkXO00orVPmkSgpW4=
sW0rAsCUtH6MPBJxCdYfVv-WUWn6qBuKq6BkcAg7efQNa_cGSk8A1_dzOafvnXvhwHGuSn9WIHK=
niz6WRa1pdokLY4pMCTZRkHAp-hL6mhh02cP4iI67y7dziOWSYGxCEECQZC9x1TMtyNJMpfY9u2=
-_Q6o8-6-D35VIBklJvJteAtAnVuAmDEWlfJuuGjGQe_pGiUWvxmjvu-z0q3F3qeg6in1Mq3dfe=
OSXM3culA8ZfNlf3p7pXkxPdauvjnv5vCE4dRQ5hc5azil9YTTytTsccPV1cU~" data-tip=3D=
"msetip~bestbuysLeftThree-one~4" style=3D"color: #0047d9; font-size: inheri=
t; line-height: inherit; text-decoration: none;">Sky '=C2=A323.80/mth'</a><=
/span><br>=0A<span style=3D"font-size:12px"><strong>On Universal Credit or =
similar=3F&nbsp;</strong></span><span style=3D"font-size:12px"><a href=3D"h=
ttps://clicks.moneysavingexpert.com/f/a/MS6PpmPpqbOnYE6qkhjvRg~~/AAAHahA~/n=
pxIZiygk0f0UtqNK5uRt7viIzav6XRz5rlnnPtia9QC9r-Zi6AALwhzIOOui6_lJN1fTOGvF5Hg=
n1tpqfnMzKrdKNzajFwbpcvIY3fKmu7cE5F-q436o8hukLvQo3Ep17ssVLIrnKKvSvmXtYUleJT=
qmI6tW0BFY-WLQUL-k0Lhc5q47edJ1M3wrxwSK1pcubudlxzUMU_nT7TRTpcCR2UMH8B8cZr0AE=
7N0McUSIZyLdTuMESA3CafuZZ4-kV1a9T5xZr-FSscWZwQP363zu4bKH9w20iP_ENxiwv_TOY6J=
K3q9numn172lawzKF3QZ-QqGzAup527epKYrwMPpHxeXWG4r0Dc7Ju5NWXvNelY4ZtuJcJOXtqk=
MO0IaZ4iLZZcEmP-rf92dhbC57xxY5HWEyt4jOZ27eNXvHklt4F8MqH-p3rkgpzhmMR6IcwMiRt=
kC7l1b_0k003nxA2Is1Q2SoT-FGUxrPZ8IvJen6Y~" data-eligibilitytype=3D"" data-e=
ligibilityurl=3D"" style=3D"color: #0047d9; font-size: inherit; line-height=
: inherit; text-decoration: none;">Check all discounted social tariffs</a><=
/span></p>=0A</div>=0A<div id=3D"bestbuysLeftFour" class=3D"nt-bestbuysLeft=
Four">=0A<div class=3D"best-buy__header" id=3D"isPasted" style=3D"border-bo=
ttom: 1px solid #bcc3ce; margin-bottom: 13px; padding-bottom: 2px; font-siz=
e: 15px; line-height: 22px;"><a href=3D"https://clicks.moneysavingexpert.co=
m/f/a/C0xRfgw3EwHSkb6y-XxolA~~/AAAHahA~/ffY2EGU3WiLd5SuS6HI_ZVPUf1eyZNtUG2a=
9miCS1B0YieQk9O3kI6jjLJb9TFDp1GG5ZtbUENWW0xmpo0ZDxqrKAjUVVAa6pLKSmQUFPN-56Q=
NS64l78I0PJjDef5mhqMmQHRQcR4ZRe-1BUgN9pvrJKETfuKpobJuLb7Q3p01crM4vhlQbypGBE=
n27Kx5sWJozCDJTMX92F0RpNki5hGVo3Ixfa2JdxfYOpNzeTC2v3e5NAeTjSmiWUQKpMqkSOE_Y=
K3EwboLUS1OtMoiHh7VY6yMRY8272HjcGIIXJk_33kawD3TLQX1dRc8zZmGKbuXijPhC36nKbSq=
FFXCom--4Z5KeJNjX-ZNEUfPPEv6MzKnYHkCkEog0K2g0gieRxmQQPMbQs-N3qq3R802nVfzTRF=
3h3ACySmOytZSqwKQD6JtZ63Rmiu6P3RtEv5Hb" data-tip=3D"msetip~bestbuysLeftFour=
-one~1" style=3D"color: #0047d9; font-size: inherit; line-height: inherit; =
text-decoration: none;"><strong><span style=3D"font-size:15px">Insurance</s=
pan></strong></a></div>=0A<p class=3D"text--no-Margin" style=3D"margin: 0 0=
 15px; font-size: 13px; line-height: 22px; margin-bottom: 0;"><strong><span=
 style=3D"font-size:12px">Car:</span></strong><span style=3D"font-size:12px=
">&nbsp;Use our <a href=3D"https://clicks.moneysavingexpert.com/f/a/AbeEhCO=
z9OinuIdsrrOzGA~~/AAAHahA~/rzjxl6AR9SLAzYVaiGKOx16tizJ6t-vHSCQsXUNZMvKE1Fum=
pPTqsIZSWJe3bPlHbYliJ789UGDM4nO2pHjlUcBgxNjedEOEGF23aKwx8-Ais51B9H0AclYi8AB=
BZl3d6u56BXM_gNWio2KMUukrGgQIFvOePW23jFaT3qkpYBE_egsygS57N-k8Hf9zJ51c-3D5UJ=
St5wl6_Yq2k72ba90NFLIt6YeLLPMjkbew5MxPeUqC1RSu5d7AGeNJcjZsxen3kkgEneKEG-Z1M=
mwe69Hs2zja5HODNKffsN3HLeY2Ia0YLsC-cVK2pBR2oTt1gUJddV4QM9PJ4VDRk6kEJ9O8Bbek=
KUGYG1HRSljceIu_CVNYmF4wSKvxQQ1feY5eJCAiqDc4k4QciyRoa17UtzoPwgQVT8Vxj8JJmLQ=
t6ssBT_rb5fvWgZBwZ1T9IEhC" target=3D"_blank" rel=3D"noopener noreferrer" da=
ta-tip=3D"msetip~bestbuysLeftFour-one~2" style=3D"color: #0047d9; font-size=
: inherit; line-height: inherit; text-decoration: none;">Compare+ Car Insur=
ance tool</a><br>=0A<strong>Home:</strong> Use our <a href=3D"https://click=
s.moneysavingexpert.com/f/a/c97yH-rh6c0OFs-uuPKsgQ~~/AAAHahA~/rzjxl6AR9SLAz=
YVaiGKOx16tizJ6t-vHSCQsXUNZMvKE1FumpPTqsIZSWJe3bPlHFNBm9Rfuau9oJAoIxS2e5PPn=
hS0Mls1mpabtOFUkQENpxy-YHIq9UJY92f6wiSBBHwu6RcgWXOY886wWxh2Adb6WeJdR4YvA-0h=
BHM0rB4dNrRaA5T57ZGe7ibG230QWWwiEnLekiscz3rkjWp05L7nxnFqffEcGHgpqug1D6W8G7T=
CBamp2OUZ0dtpPB20jHpXjOAHIFhbG-wXEbCmujWV7btxzM_ymDnhkyY8X0oIVDg7z3UgF-vCGk=
R8HM83sjLKeBIGNRB03-O7QDdXfvZIhzjUBr9ES_z3P4EpxkzIqJjBRVxIjFI74jpHvugrigSbw=
FRpjwfjLaIBdCK0Um0_sJNdzkeqlO3SK3ilck7JzbtIenFo7Zv7R4iEM-4CH" target=3D"_bl=
ank" rel=3D"noopener noreferrer" data-tip=3D"msetip~bestbuysLeftFour-one~3"=
 style=3D"color: #0047d9; font-size: inherit; line-height: inherit; text-de=
coration: none;">Compare+ Home Insurance tool</a><br></span><span style=3D"=
color:rgb(198, 32, 53);font-size:12px">New.</span><span style=3D"font-size:=
12px">&nbsp;<strong>Travel:</strong> Use our&nbsp;</span><a href=3D"https:/=
/clicks.moneysavingexpert.com/f/a/WRQKJBQ-UXRc62OtcCPDRg~~/AAAHahA~/rzjxl6A=
R9SLAzYVaiGKOx16tizJ6t-vHSCQsXUNZMvKE1FumpPTqsIZSWJe3bPlHKd6SUPdA8n-uG0HEd9=
IsXUMjcfH9TqMqCsSxMaLmijFAnsILdQPy3p0hiBftonYOci_KHYbHqMHfcTbeQieL3RqOYIymP=
BLShik5dwTNks4lWCWqloQVLu8a3lfF_p48VN5KyIeWWFg25ajt5t-yN__Mv6-LDb5zA2k8AFpH=
P3WqiQ0EZM8vnpJKZkgCe5WjytQf1iNSwRE6jkVZpTp0HQYy7uJ7wtiS-WEUGPexSvpGMZWFCXU=
Z-jVv23fZN8E9fWHF7oSiRNcBnT3fuVRoYqvE94wwod3mbxYMxzfNsQk49J_1y9oUOd0b6uqgDG=
BQCtiZF5rSb2U8Ei_cE4yPtYRKXTTNrcEoJ5FmEHGAa1VTel3dRpvbF2MVWiVuV_Dg" target=
=3D"_blank" rel=3D"noopener noreferrer" data-tip=3D"msetip~bestbuysLeftFour=
-one~4" style=3D"color: #0047d9; font-size: inherit; line-height: inherit; =
text-decoration: none;"><span style=3D"font-size:12px">Compare+ Travel Insu=
rance tool</span></a><br>=0A<br></p>=0A</div>=0A</th>=0A<th class=3D"mobile=
-full-width columns__padding-left" style=3D"text-align: left; font-weight: =
400; padding-left: 7px; width: 50%; vertical-align: top; font-size: 13px; l=
ine-height: 22px;" width=3D"50%" align=3D"left" valign=3D"top">=0A<div id=
=3D"bestbuysRightOne" class=3D"nt-bestbuysRightOne">=0A<div style=3D"font-s=
ize:13px">=0A<div class=3D"best-buy__header" style=3D"border-bottom: 1px so=
lid #bcc3ce; margin-bottom: 13px; padding-bottom: 2px; font-size: 15px; lin=
e-height: 22px;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/c1CGFN=
XQI_gdTB2Fd69Gew~~/AAAHahA~/-JJWFMQRIs3zXUVMAkNYEWiaFDe4_e3uH4PgmULtp0q5B_c=
24IwI1cyhiEwTHLlnMWMbn6Gn3EI9wHr3glkZYG3R1NI1Zlv4Vki4QGtB48V8TpFAg3WLF8gjSG=
CfUl9wSDMSgC5Vs7RJWSfGYwt5zTeOmjM8vSN1db8sxeecTRGilSYeWWLiFlkgsGoy5E__oqOYo=
EgUGZSjnT9EAvFCXNwrdwGlzlEb27qPNgv8mU4bdQamLrWmufR2u0gtZ1sfRf30pY6lgvMW6jJp=
fvNpOm0wfAsrJzIWx0RhpTedSTX2r-3S9i9CH54VtX_akB-tpnLqxA0_IcY2IFlPO30asxy4U16=
Ri4YOc_DW28krm2sD31uLn2sIcV3q1dOPkm6sstvbR5NQhX7saogdckOXAjdBo0kRe8c80vD_X8=
oyc9B6wqAX8gUbZbKhNNsxstA7nNPsB3gr2GuAzvRH0DaEBA~~" style=3D"color: #0047d9=
; font-size: inherit; line-height: inherit; text-decoration: none;"><strong=
><span style=3D"font-size:15px">Cheap loans</span></strong></a></div>=0A<p =
style=3D"margin: 0 0 15px; font-size: 13px; line-height: 22px;"><span style=
=3D"font-weight:700;font-size:12px">=C2=A35,000 to =C2=A37,499:</span><span=
 style=3D"font-size:12px">&nbsp;M&amp;S Bank (<a href=3D"https://clicks.mon=
eysavingexpert.com/f/a/Vvvf2mgq5sM57qXNkUapFQ~~/AAAHahA~/rzjxl6AR9SLAzYVaiG=
KOx16tizJ6t-vHSCQsXUNZMvKE1FumpPTqsIZSWJe3bPlHzxKwvy0OSDgN_daKvWdhhdBxfYamh=
vnzAvD2e8TXU8MDLNABAVKPC23efWf4-BMN2R9wfmoHN8eMDOEgjwr0V4CQmcz-7eQV9AmOfnyC=
tsnqU3tvL9eYmwHqDxKP9lV1jkkP4lp6nIE-EvynC6c0-RIF7nrxI54gqNkDop17QNB8v5is-cH=
q7WL45UVM95SMFBlR1pdyZhG17nVLr66YNhEj4_7DcTu6vIyZTwrOC9Z_xU6un7mxtYwYzVtWV1=
JsPsVnw1M6bYx-rnRcoZNNeiecV-p9GStMvb7tu-d3u8v_9IxnTOn3UqXkz_JjgMX4teLBBXQrD=
7jxBkLT8utoiX_jDwK1aJB1qBwjGOzwH__jDaxEqCtowtJDdp_qJFwf" target=3D"_blank" =
rel=3D"noopener noreferrer" data-tip=3D"msetip~bestbuysRightOne-one~2" styl=
e=3D"color: #0047d9; line-height: inherit; text-decoration: none; font-size=
: 12px;">check eligibility</a>), 6.9% rep APR<br style=3D"font-size:12px"><=
/span><span style=3D"font-weight:700;font-size:12px">=C2=A37,500 to =C2=A31=
5,000:</span><span style=3D"font-size:12px">&nbsp;M&S Bank (<a href=3D"http=
s://clicks.moneysavingexpert.com/f/a/5zyZK7h5OKrTq8yBDlP6fw~~/AAAHahA~/zSFF=
WTo0Cu4BFBmjE6H5hgf4wRoI3RbyJBuU1cprapEICzss4SMnY6JrV9tEgBJRLc5yR0LRvRJdIkL=
Io9oNT6DRJQMmUOgx1jHtjfzKitUeLa_odciZgTN505XT9Vrosswgv2EMhzezbUqzxmZ8K5KEhK=
XPerCvSMKbcuVnkMDKRawt9Gr4S27M_KFUphT2zVNjMNIIbPUZf7HYKgaiwXOGjpECdELgyGND6=
ZvaXLZkMiafzXELSiiJ5MfvN9SRL3CX3TdQgunhT_AnusUU3cwiigts8R8VUlq4ALwm_y0hvFoG=
-W_YXEuiXHAr-w1ocdC2318UCMYA6su_GDr2loKR50sc1xSp9eDb_xHF1X013SV6xyur26Vw8MP=
IQR5nkQR24TaMGEgAq2mfbXcceYl22ZYygUfT40qwQuiB5Rm7qnLOukoAKDUsmIfmtcxmBqMoGZ=
4bNEnbu2fZZvBoUyL7wfjRAUfpbB6yPGsSOHWcCherJOMj-i5Aqnx0Pa0Lk3ra6e5bLYtDsJtPY=
VkHGQ~~" target=3D"_blank" rel=3D"noopener noreferrer" data-tip=3D"msetip~b=
estbuysRightOne-one~3" style=3D"color: #0047d9; line-height: inherit; text-=
decoration: none; font-size: 12px;">check eligibility</a>), 5.9% rep APR</s=
pan></p>=0A</div>=0A</div>=0A<div id=3D"bestbuysRightTwo" class=3D"nt-bestb=
uysRightTwo">=0A<div style=3D"font-size:13px">=0A<div class=3D"best-buy__he=
ader" style=3D"border-bottom: 1px solid #bcc3ce; margin-bottom: 13px; paddi=
ng-bottom: 2px; font-size: 15px; line-height: 22px;"><a href=3D"https://cli=
cks.moneysavingexpert.com/f/a/9nSZhZkpu47KhcEVh3afjw~~/AAAHahA~/IMpb0odD7tr=
5G_aTELOu2i3n2l32xKnOmEeDtDKthuURzWBcG55VvPhULvnR0e2j6dBGcyu_z-y7CrsgVixj9x=
ss7I-Iu5p4cX_S246_R8gdgxBJmUgsv41YcYH4h5NyWl-3F9HgX8Epyg1I8TLGF12tSlyL2Y0OJ=
bNBDlDWSp0gNO26XouO6myKcSPM2f8LVx_aRb_QH6cqiOWdPaczu1eU3WBVNHeYyy4rZJUDWria=
8FfZQukwUuB7d0hH6Nwq0S9W1Yoo8iRLPHgSvZbqnXxR7QieiM_u07lC3o7GaApZLT6Pj1d_G8a=
Oq6EYNsH7ND4jCLazCpCQDnxZK_38IsjxyRu082bbgLT4HVhnm9NnI-8drTmy9u8SO1XdlJgbz2=
SeScBjlfwQcCFRddmWNUCnECBwy5fMhCaf0edpD0WwnHEFuHdSUUjZJH1SluzZJc6i0-Muqqrb6=
iFfmGp7bA~~" style=3D"color: #0047d9; font-size: inherit; line-height: inhe=
rit; text-decoration: none;"><strong><span style=3D"font-size:15px">Top sav=
ings accounts</span></strong></a></div>=0A<p style=3D"margin: 0 0 15px; fon=
t-size: 13px; line-height: 22px;"><span style=3D"font-size:12px;font-weight=
:700">Top easy-access savings:&nbsp;</span><span style=3D"font-size:12px"><=
a href=3D"https://clicks.moneysavingexpert.com/f/a/017daqrazQqd40ow3xdCOA~~=
/AAAHahA~/5QGrsAKqW-SRAcnFNd8LKN6cJDrFp9RWZWgScRspxuY3s-dbsRLbNQfWQxthjYw9q=
7VvnGclM5w4nRZ-I4dkHRTkjE_XIyzfz8mmqtEhSgiU_wXNFBe898cGl9cLQGpwOxeEAajXmp1S=
BF48Dyl74vzqqba7lVsvySu3l3grXz0K4u34Qf6WqqUlyU5s9xmN2nI9Acu__iS2WJMJ4CChjr_=
-maQUYdVumdbjqlEV41FE5-F1lR5Z-S4bx6uGIEgHsLbCQo0t95d-SPLVC8ouG-KyX96dmvPLdI=
fwHo2nuNb06dzBtA-FWCrSwON-w5-cvpJ0dwJYpqOV_t2ikgr9T9Y66HoPe1qJGEzv4ApyOU1OX=
KMjtPVNvx2PIUnUUv0LBUValNqIM4FNg6Lwu19mMKUgb6uuYEo2YSIqzr81lleQwUWpFINvrnSk=
BWkTlEyU5YhMff_a3wWyxPMZI_vD4DTRpJmM_oj0OUFhN9YhXNw~" data-eligibilitytype=
=3D"" data-eligibilityurl=3D"" style=3D"color: #0047d9; line-height: inheri=
t; text-decoration: none; font-size: 12px;">Cahoot 5% up to =C2=A33k, min =
=C2=A31</a><br></span><span style=3D"font-weight:700"><span style=3D"font-s=
ize:12px">Top easy-access ISA:</span></span> <span style=3D"font-size:12px"=
><a href=3D"https://clicks.moneysavingexpert.com/f/a/H9uK_stG7AC8e2Wl-lNVVA=
~~/AAAHahA~/QhE3zSg_DBv54lNRje6205v_tbgLFWpcJxTZ-ulzlmDkJl_KPiI-NQ8wyvh0VVD=
uxrDXSjIyu73YZ7PIndESUDkxbdPtDvh1ZT7CeEmZMeNRw_RYlBjPhJJ6D8MU3RBsLuRhHpAQcU=
JIMDk9U-jWfvpdHUbXiz4mzrF5zgjwnanhBSZKyzXla9Xreug0cirpgylyp_5QpuoJysyMYfdKG=
o4ztkfZePms4sS5VNAJ2fvaAsz7Sg4lCXEyvcNNlZml_9QUPy1FMJjGNDLcGaNXIwdJZ03l7hxc=
A_Fkj1DtpZhZ1wCrKTONnmF0xynjO9RYkXwsfBM2FNF_xxFbziRI2zlX-KCgO6tq8UwBoldzT5j=
uvHnD-sd8i6YwOgoeIK77kCcT7ODJZYDGK0Aw6f1h42ZoFf7oFAK9qwI5IkykFPMh4JiNJZau7n=
ySrt3aOq-o8ueKN4VsyZvmQC4wSOVq7A~~" data-tip=3D"msetip~bestbuysRightTwo-one=
~3" style=3D"color: #0047d9; font-size: inherit; line-height: inherit; text=
-decoration: none;">Trading 212 4.51%, min =C2=A31</a></span><span style=3D=
"font-weight:700;font-size:12px"><br>=0ATop one-year fix:&nbsp;</span><span=
 style=3D"font-size:12px"><a href=3D"https://clicks.moneysavingexpert.com/f=
/a/Sbbfzlnnc1BT5iEW6Ds8jQ~~/AAAHahA~/Y6pjWORaRT1lOPbU2av5azwx1lspQ-Rx3sDEZU=
bpxde2mtIn6rzl4hchE7MNA4XsOy9y23y9npjdeLox23g0nISqYypAtRVBHUcpqq4NUmeF5zMki=
m5y1_bsXxKoeRhgm7W5ACdysmDyTbTA-Chdu6ksuHxfF8wiL9NfCMAqL-i42jFgLLIS5odI-BqE=
xuWDPlbrMtP4vmaqqHkPNIPyGSidGzyoOqOdBmETOl0V2TkEqbdwfUVz0m_KT7JkKiV_G8sdCBU=
EE1mn9N3d9s4BpYQR77I7wWxAbQ8eUUkXTMNpjKfdMYhYIxu_vRDI_dPqLhD5WFUGU-KLHKyTv6=
0fRcMFnmE4qOQ9cTSb7KvUoxwSOgpP9tpL1eRonFF-1ZFo7kQo7MxCw3aiczo1AH0ehJerTvOfl=
Lv59Jvpfp1l4HIXrnXxmUgRPnGGA5trFbKgMnVHr_0k-UEfag_KEIB_2Tf8YoJLWyEwJAPFF6Oz=
BKs~" style=3D"color: #0047d9; font-size: inherit; line-height: inherit; te=
xt-decoration: none;">Habib Bank Zurich 4.91%, min =C2=A35k</a></span></p>=
=0A</div>=0A</div>=0A<div id=3D"bestbuysRightThree" class=3D"nt-bestbuysRig=
htThree">=0A<div class=3D"best-buy__header" style=3D"border-bottom: 1px sol=
id #bcc3ce; margin-bottom: 13px; padding-bottom: 2px; font-size: 15px; line=
-height: 22px;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/KCUiu-B=
uEmDv0wb2_E0qbA~~/AAAHahA~/Wgy1iNBStJJpJQZ5On20-pCkqjr9v5Fh1I9hNVa0z_XJAtar=
TzfKcTU674Yz7MT_LEzdxiRRWToEKE56SPzXnTwAWN9ZSNRitaZUk8UKBOjsKvbTRWfkSgeuilC=
mQcAlUFO9c7whfrr9jbFuzkQvyBPZ0XUcrIA3hShHrDDcHQr_Ic-gL6xwSeaixALrdKO_XMdy_0=
PcmQmmIKI3MkjTTJ7hUMlm9x6uje6k5yyEe6AbhZQepK27sVImrXFZf-Lhz31SKY8c8Mbn10pSz=
9BXIKYzYr7Opog_4MDZ7ZfbiETJt4IW2lVUfgXbkcydNAsiiyAAW1--7qkFDJhM-pBXwAyG0fqD=
BrrpM4nRUgzR4VnOBKz8DjnFUbGmHRJp8_R_ZLvSGOu8xZGqE0DllqTmSHfT4E70A-L3QMDZ9d8=
d5bJgkg6qAaRvUIm923PaBYDJ" data-tip=3D"msetip~bestbuysRightThree-one~1" sty=
le=3D"color: #0047d9; font-size: inherit; line-height: inherit; text-decora=
tion: none;"><strong><span style=3D"font-size:15px">Top energy deals</span>=
</strong></a></div>=0A<p style=3D"margin: 0 0 15px; font-size: 13px; line-h=
eight: 22px;"><span style=3D"font-size:12px"><strong>Use our whole-of-marke=
t</strong> <a href=3D"https://clicks.moneysavingexpert.com/f/a/MhMLO_JMp4h6=
GE_D9x5ASw~~/AAAHahA~/Wgy1iNBStJJpJQZ5On20-pCkqjr9v5Fh1I9hNVa0z_XJAtarTzfKc=
TU674Yz7MT_zPguqmEWTSkvSQvwQNp1L4UN1X15CSP6RVcUqCCOwL-cNX9A_NZKLZ0pWcDbbQQ3=
k_2CteB0M0Nz-hPMSPZnyiKWYQR0SQ8Ho_QA7o8SQbspFQ_zZ2qkn7PRfGA0-I350KqqCaXRIlQ=
iv_jqvszKSfIs6vXBw-mtcdT1S191kE-dTUf66QeSl6JyQ0wCLjqO8P2nxRwTgH7j6MZPeGur9V=
PcrmJ82x9Zn-4KFkaeq5VN_DMEDzUdfnqNEp_V1i62Q_8uKsCUnC3qMtS-h-xgucbzMyUEMPZ8H=
bZD2ur9OhLXNWs6RG7ZH3RzdUlsBSJuUa9BhrlcrngsnU5FALxzceW229ivwWwqj92gpGfARh1g=
qiBT71yri3Rulus7xnWh" data-eligibilitytype=3D"" data-eligibilityurl=3D"" da=
ta-tip=3D"msetip~bestbuysRightThree-one~2" style=3D"color: #0047d9; font-si=
ze: inherit; line-height: inherit; text-decoration: none;">Cheap Energy Clu=
b</a></span></p>=0A</div>=0A<div id=3D"bestbuysRightFour" class=3D"nt-bestb=
uysRightFour">=0A<div class=3D"best-buy__header" style=3D"border-bottom: 1p=
x solid #bcc3ce; margin-bottom: 13px; padding-bottom: 2px; font-size: 15px;=
 line-height: 22px;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/4U=
FBoIxz1SmW3cXZXpSYgw~~/AAAHahA~/YxF9_Y77y0EcrentLdPu2RmYl4Q88AuEX47LX9sUnQP=
e0VSCjVPiimPLUY2Se-VrEVlxj4LEHfmN82ZDz4fdzNsNpjM9DP5T_tYXeX8Feewi3SVNzgfmkh=
2QPgUDa1or53pfQP85G3c83wJGUfDl7dtF5hGeH_MNNXbCxhVctSP9b8Xo5DUlEmwB1hUvWyfol=
Zhr83iLhj6WaZAlI7ADo5QMEZdILTdTp0juuh4Kod1jnKBdpuT4xhmmf9pt7e5CZ3wGpGROYq_f=
Fqzz2Ee-x-jB41EJYjhrXTMhCh1lqRlXu_5MyboZJ0Ykb6OeFCI9LEYamMlpg1UMleRteSYWHDS=
lSunEGMINhwfQkbOjz82bFmO8x3MqQ7c41yVsNlvi5wc_mdxLYnrD3oqxIKSTJrQje6efPLIbfa=
ZeV_rDr2WdQ2coztvfHzAz-hhnOP8dhcxIbpOXG__R4Fxuf6XN3g~~" rel=3D"noopener nor=
eferrer" target=3D"_blank" style=3D"color: #0047d9; font-size: inherit; lin=
e-height: inherit; text-decoration: none;"><strong>Cheap Sims</strong></a><=
/div>=0A<p id=3D"isPasted" style=3D"margin: 0 0 15px; font-size: 13px; line=
-height: 22px;"><span style=3D"font-size:12px"><strong>Up to 3GB data:</str=
ong>&nbsp;</span><span style=3D"font-size:12px"><a href=3D"https://clicks.m=
oneysavingexpert.com/f/a/H5HRvx7RIjU-vN26pgcDCg~~/AAAHahA~/IMpb0odD7tr5G_aT=
ELOu2i3n2l32xKnOmEeDtDKthuUfNGsEw1mbjVKHthsGh1h3CzOBFJSZyxmGBwYjUcyveDA6fUb=
GgkUyUF6mo4n8N50lPxqHunNaLEuoWuMgJCq16_dHUHYxzx2s-uy3cgF-FrNdf4O-DHB1SfjXg0=
hxv4H2RApyc3e5Ij8rbLQBWF4G3VcgTehFDZQ6_7IMgYbQXocNCT_Ji1dr7DXN45rDRJQd13jYa=
S9KxmmDdXxpabwjLxay_uny4iaZSGzGS4Cd0m071kj9Z5FvmgRScCmwS9a6nY577ylGOI8DqoKr=
B0LObTwwXVo0moXgqbIVHa7M4oFVbQ-1RL4ZcQX9RfJtLlCoSCp2C1acueW6Typwrz-MGAUDuGc=
iWSkee30Cu5uTHKBZfxGDZNAOa2Z2J22gb_zo9hpI8h3cYGqk4LDSu7_Ypj27PTxu3LJiGxjrTN=
bQqA~~" style=3D"color: #0047d9; font-size: inherit; line-height: inherit; =
text-decoration: none;">Sky, '59p/mth' for 1GB</a></span><span style=3D"fon=
t-size:12px">&nbsp;<br>=0A<strong>4GB to 9GB data:</strong>&nbsp;</span><sp=
an style=3D"font-size:12px"><a href=3D"https://clicks.moneysavingexpert.com=
/f/a/syOtUuoBkhiqJsSsb12zDQ~~/AAAHahA~/IMpb0odD7tr5G_aTELOu2i3n2l32xKnOmEeD=
tDKthuUfNGsEw1mbjVKHthsGh1h3CzOBFJSZyxmGBwYjUcyveDSc9rLu9mH6JyPkddR7ZC5TfMf=
ZJ5YvQuX0m7LGq0qRgHGoiQrfn0mLKLTW2HVnQaxjsKjtfFzWrOqO5n45UGnJHemjCl8g9TVDKL=
0PcVOGNQeVUeoXWPWnynEfIAmDHZUkAplQKBzBbI93gffz0_4vTvTtuRaQQUDyv9VGDQIDSmNtM=
1OGMpYZdok1ImG6wI5Hf9DkxtQZFgvZ3tGMUavBMaHuCV5vVj_WlKUlI7waNUCt2metn6j_7y-x=
_fPSxwZKIBMOTPxl3bSLQQGRTu2nDNM2zUOr28OMICdOHzxDvTkWtISA8njtfWgBemqhKytGeON=
4mf22WdsdwZbF5tVnEvVAQYoaomrOECYCng4x_WAZ8vpkYBhWU8wDNIMRzw~~" style=3D"col=
or: #0047d9; font-size: inherit; line-height: inherit; text-decoration: non=
e;">Lebara, '=C2=A32.37/mth' for 5GB</a></span><span style=3D"font-size:12p=
x">&nbsp;<br>=0A<strong>10GB to 30GB data:&nbsp;</strong></span><span style=
=3D"font-size:12px"><a href=3D"https://clicks.moneysavingexpert.com/f/a/FaE=
R3aESE_qLsspTgKSTTA~~/AAAHahA~/IMpb0odD7tr5G_aTELOu2i3n2l32xKnOmEeDtDKthuUf=
NGsEw1mbjVKHthsGh1h3CzOBFJSZyxmGBwYjUcyveD4eCwzHkSuq-jJX_QHpCiqJhkhOgDEvC49=
yTk2SFVcjf0O5hNyI-YtikkUk3ryQGaOCDgqgUYG1TGye7OlIMlVFY5AWE4ucsfXJoY-gecI0yD=
Nz6aEo-6IJ5jQMoL5q3gW7yzb16QK1ghh5hvvx0QQ_w_OGtMM34zVzz2GhAUTR7URkknu5c1lOl=
fnuSMVKshFF4PJDcbTVBALpQiCLMyxSXVydGi2Vi-_jQVqVvrCgzW0S3dOOZgiF-AyhvT-dU-f3=
IQNIr1TU5SJQFqLUSVUw7bAxWgvxRB04SDEGA3C3zY6oBUvT0bxLb9R1W-mP-oK-xqvlK4XGbCJ=
z38NmRDNE2jdCyNtS0JJ4NISyekRSPXLReGAe1S2i6fJ64r4Jvw~~" style=3D"color: #004=
7d9; font-size: inherit; line-height: inherit; text-decoration: none;">Leba=
ra, '=C2=A32.41/mth' for 10GB</a></span><span style=3D"font-size:12px">&nbs=
p;<br>=0A<strong>31GB+ data:&nbsp;</strong></span><span style=3D"font-size:=
12px"><a href=3D"https://clicks.moneysavingexpert.com/f/a/n9iv0wicUyhUTnz3d=
r1x1g~~/AAAHahA~/IMpb0odD7tr5G_aTELOu2i3n2l32xKnOmEeDtDKthuUfNGsEw1mbjVKHth=
sGh1h3CzOBFJSZyxmGBwYjUcyveOlpUAYLBYednCivc_odSv6tydovNA8ShfqrLGVOjxdI_ZqGm=
feO__PjL5_6MebyN6bUWASagOzOG3mkzhqpFuUaVlwhJ0R5s0OP5nrxOa-x-SIe50lVg5XtWuFr=
aljZX6AvsrgMf7-W0aq-dtjnrjP-KMevIdoEpQwVXh7QDaiGm2uRQx8yg63Cede9I5zMjwz8eUW=
7yWAGOm95jkpFAP5rXPOlumN5-38LuB_4tPh6DF1U581LtDyw3utFNwDcwT-91KitXlcPdtt8ah=
pXlxb7MhzMhTxq5D9mIW0fAQMdKgk9F1wWAdGyZqDya3EcunDbepB_VI6x-VGVVXHqEO3IoeREA=
uPrWjm0Pxc7P3hW1y1v7r6OsXSrbWdVB2Y_Gg~~" style=3D"color: #0047d9; font-size=
: inherit; line-height: inherit; text-decoration: none;">iD Mobile, '=C2=A3=
2.75/mth' for 36GB</a></span><span style=3D"font-size:12px">&nbsp;</span></=
p>=0A</div>=0A</th>=0A</tr>=0A</tbody>=0A</table>=0A</td>=0A</tr>=0A</tbody=
>=0A</table>=0A</div>=0A<div class=3D"empty-gap" style=3D"height: 10px;">&n=
bsp;</div>=0A<div class=3D"full-width grey-bg" style=3D"width: 100%; min-wi=
dth: 100%; margin: 0; padding: 0; background-color: #dee4f0;">=0A<div class=
=3D"empty-gap" style=3D"height: 10px;">&nbsp;</div>=0A<table class=3D"conta=
iner grey-bg columns--one" cellspacing=3D"0" cellpadding=3D"0" role=3D"pres=
entation" style=3D"border-spacing: 0; border-collapse: separate; mso-table-=
lspace: 0pt; mso-table-rspace: 0pt; border: 0; padding: 0; color: #000; wid=
th: 100%; max-width: 760px; margin: 0 auto; background-color: #dee4f0;" wid=
th=3D"100%" bgcolor=3D"#dee4f0">=0A<tbody>=0A<tr>=0A<th class=3D"mobile-ful=
l-width" style=3D"text-align: left; font-weight: 400;" align=3D"left">=0A<t=
able class=3D"container table--body-bg nt-moneysavingnews" cellspacing=3D"1=
7" cellpadding=3D"0" role=3D"presentation" style=3D"border-spacing: 0; bord=
er-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; color:=
 #000; max-width: 760px; margin: 0 auto; width: 100%; background-color: #f0=
f5fb; border: 1px solid #fff; padding: 17px 13px 0;" width=3D"100%" bgcolor=
=3D"#f0f5fb">=0A<tbody>=0A<tr>=0A<td style=3D"padding: 0; vertical-align: t=
op;" valign=3D"top">=0A<div id=3D"news">=0A<p class=3D"text--msc-title" sty=
le=3D"margin: 0 0 15px; font-size: 13px; line-height: 22px; margin-bottom: =
10px;"><strong>MSE NEWS</strong></p>=0A<p style=3D"margin: 0 0 15px; font-s=
ize: 13px; line-height: 22px;">- <strong><span style=3D"color:rgb(198, 32, =
53)">Top story:</span></strong> <a href=3D"https://clicks.moneysavingexpert=
.com/f/a/1EXzbuOfYOogTACtbBpC-g~~/AAAHahA~/4tDwnKfHVb3NsrSNtySx9cj8SK1sAGZ=
OLzaNQexY_hQhX4YJhv7UEPtRHNMBCq8FMCo8DTTJlAi-C-e-l8reP9vIzOVxhda6hPB_b4Ccsr=
O3pcoRwcnfgwkRITFE6wnGGG0ArkbpBRKUlkfaxTNQmTOICjsvYrS0ky-gFMc_0FvHXVAp_luU7=
0GblfFVB3ICiOkpMkQXfpqEWtnszkXizAkctJ0zv5yitMp0cPmFQUdozs_EY1L-9e_dvVdx5cCA=
9b5mXOzwe8je1QkLaMjhzYU4SguQiNvow7nDvgMhzZAjAc-MhRUCfHBcWpnT1R-PjHqM_nX8xYN=
E86Dh02D3x9f2tJkRL8gXe-fF4rsdMIz0QWxDoRukPPu695CptOUx-OM2rgSX-W0MvYh5O9RTGO=
s996Vcqq1S8wmkHZK6SCcAW0bB75SIdbBTWsc2nijric5wGn59lGE8UMzKtgtcoyYZtBbCQj1KW=
_b2vtufcII~" name=3D"talktalk" data-eligibilitytype=3D"" data-eligibilityur=
l=3D"" style=3D"color: #0047d9; font-size: inherit; line-height: inherit; t=
ext-decoration: none;">TalkTalk broadband customer=3F It's moving 120,000 u=
sers to Rise Fibre</a><br>=0A- <a href=3D"https://clicks.moneysavingexpert.=
com/f/a/HwWRYvI_WKfKf0HZOpDwEA~~/AAAHahA~/aVMOEzDuqjzF_v4sOZaXu18u3u7N4QxFg=
nMs9LUPN7H1jw-Op_ATlOSAZdHai7zL1SpeXd3nv0mW0eja6urPODv8sFjZL_H1xJ12bEoTfV7E=
mbFAeIJ_xavHXlYu0f2tGTcqVfRfcoglU_LKGbCrRcMtmAnmT3CDYdu9UfOkU3r465QqTtl86pK=
Bf-khCakhmIrl5fL5zPcFHpRmX_JJbcO5nMKO-IHHS1bdEKHe6swXA22sxg20pvSzrZ4Eo8u0so=
iNJ46uQf4Wwo7tRFLUgMsd83gbnU_qifTB3o_PgXW-Ydw9xLd8gWBdEngEl8sRoEzghH0JP7vjK=
RdqL4TJBbkb38YTmatYqAIP_g_S-VyVdeiVar60SHqKXcEFVrVjzNn-JrjYzOJrpPN4XIQ7CvZo=
Wgp5F-MPcsseb-GG_oHzjtSBGHDqTMIro6F_fyaZEJTBN5QyQhwNnAtuveCd1A~~" name=3D"n=
si" id=3D"nsi" style=3D"color: #0047d9; font-size: inherit; line-height: in=
herit; text-decoration: none;">Government-backed NS&amp;I's new fixed-rate =
savings now pay up to 4.75% interest</a><br>=0A- <a href=3D"https://clicks.=
moneysavingexpert.com/f/a/b8k60VzzTtcq4LYZvs3P7A~~/AAAHahA~/A5bv_N0W1twPhoF=
ytVhTVNWfJS1RnHPzvBQN_XRAaDUeGdcO0-Xx0M9vawVSgZ6YzLkr649IBjta_xWMP9h4JYk_X6=
8cRnN24HM6xYNq3PDYpy_xfHSCBgZVPccenPZVVYp67FLP411zs5jwNE5kpI3oa_bVcnrXIqw4p=
-dud4UjIYvCG6Y6n-UKsSq1WyOR0uCLwDlQnTScYDI_AVvsF7WkOJxvZTQMNsDrMY9fVeVYCWou=
Z_UCliekblXNzA7afLtNxK_68eRT2WgBwqEBw--vh2M5ndorkx0rg6DtdQbP85CR43Z3iaYz9Ll=
vEz3yQ4WjWX_TVzaVpMLR13MIf4kAbaOAvzDaW_MKIQ4-lWj9CgpHrqVbbCIN8QuozoYCrjpFZn=
Bvzdt4oDcjRvRt_Fo_pm6hf4E_xn8f7odIye7XJQKrgaPULWJxDMx6YbJd2Uy9yKxmgM9nIQPXH=
5ozUxmCaMVZhsCP6UowOjDJANo~" name=3D"baserate" id=3D"baserate" style=3D"col=
or: #0047d9; font-size: inherit; line-height: inherit; text-decoration: non=
e;">Base rate held AGAIN at 3.75% - what it means for you</a></p>=0A</div>=
=0A</td>=0A</tr>=0A</tbody>=0A</table>=0A</th>=0A</tr>=0A</tbody>=0A</table=
>=0A<div class=3D"empty-gap" style=3D"height: 10px;">&nbsp;</div>=0A</div>=
=0A<div class=3D"empty-gap" style=3D"height: 10px;">&nbsp;</div>=0A<div cla=
ss=3D"full-width" style=3D"width: 100%; min-width: 100%; margin: 0; padding=
: 0;">=0A<table class=3D"container table--white" cellspacing=3D"17" cellpad=
ding=3D"0" role=3D"presentation" style=3D"border-spacing: 0; border-collaps=
e: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; color: #000; max=
-width: 760px; margin: 0 auto; width: 100%; background-color: #fff; border:=
 1px solid #dee4ef; padding: 17px 13px 0;" width=3D"100%" bgcolor=3D"#fff">=
=0A<tbody>=0A<tr>=0A<td style=3D"padding: 0; vertical-align: top; font-size=
: 13px; line-height: 22px;" valign=3D"top">=0A<div id=3D"moneymoraldilemma"=
 class=3D"nt-moneymoraldilemma">=0A<p class=3D"text--msc-title" style=3D"ma=
rgin: 0 0 15px; font-size: 13px; line-height: 22px; margin-bottom: 10px;"><=
strong>MONEY MORAL DILEMMA</strong></p>=0A<p style=3D"margin: 0 0 15px; fon=
t-size: 13px; line-height: 22px;"><strong style=3D"font-size:15px"><a href=
=3D"https://clicks.moneysavingexpert.com/f/a/t2_GzBqcnDrTUbdnzZvWNA~~/AAAHa=
hA~/tvTHExj0ottVFOoNu7hfxHHHql2gLAZrj6Tw-1ge7umFbmpz4RiKhqoJVRcE78RVTl77Qpi=
XpmBv-yzdo_fDJe3HXDQwdkpXxlSu9AsedGQMRn49H7ieHyicJkB77okR4-ud3SKITt-k9asUgU=
VJrDusN82AVRRiNvkoOi-uB_acflGS8pRZWrvH9hMM5_xENi22f8KrcNOdzQ4sEkCUTXoEeADXS=
LhamggNFPWRibGmYf5tqYZ7z0H_ZzG7x9vxjqaomR8J7odtQBdnD-8GRrXxwngxmThJCuz1f0PP=
HAF1CwPBWSXu3ObumN074Cso6_MsJxwI2OQYw6v2bU_QVHVPvGXio_QVhg6-juAkZwhGYDhdbU9=
f105Xid919fSamhwicxBlSUwmgyW-nb4TKwUKz843z0P2c4D-GqQrR3f7P0keDo_ilLPzt1jxjW=
ZJoJz9fF42StFLT67dguk0NnBv61mSpOkoTCtbhCrrgVOgYJOFYjWSmdK77wzzptlK1QAsS_oMX=
PgCTl5t7Pr7VpFIyJDQumRiDMrZoJ4o7r4VPuGMWtxuagwTB9fyR6Bm" name=3D"mmd" id=3D=
"mmd" style=3D"color: #0047d9; font-size: inherit; line-height: inherit; te=
xt-decoration: none;">Should we top up one of our kid's JISAs if they're no=
t worth the same when they mature=3F</a></strong> My wife and I set up juni=
or stocks & shares ISAs for our two children when they each turned one. We =
pay the same amount into both and invest in the same funds, as we want to t=
reat them equally. Yet as there are four years between them, the investment=
s will be subject to different market conditions - so one account could be =
worth much more by the time they each turn 18. If that happens, should we m=
ake up the difference so both children end up with the same amount=3F <stro=
ng>Enter the Money Moral Maze:</strong> <a href=3D"https://clicks.moneysavi=
ngexpert.com/f/a/YjG8F9eNDu5_AgtOr3iIJg~~/AAAHahA~/tvTHExj0ottVFOoNu7hfxHHH=
ql2gLAZrj6Tw-1ge7umFbmpz4RiKhqoJVRcE78RVTl77QpiXpmBv-yzdo_fDJe3HXDQwdkpXxlS=
u9AsedGQMRn49H7ieHyicJkB77okR4-ud3SKITt-k9asUgUVJrDusN82AVRRiNvkoOi-uB_acfl=
GS8pRZWrvH9hMM5_xENi22f8KrcNOdzQ4sEkCUTcMtHKtFv65ry6wSgHcy0664tiJDjJsLCbqYk=
6T4mYkZj6xWD1JwzG7EetYdZoPZdHsXqjeG-q7bAf9-Rd7gAR-eVqWNL_C8eSXU8jtUtgvaOO3Y=
Yek3YTRJKKnI5kdxDT0yeCf8tP3mTrqdRmBcLsirYbiNCr2GWouAdxBp2wmvH3_khMjXkDF_nd2=
92XecerEBkfLkFcE92a4mQaUJ6TUVoCMZ5cMIcJN0pBMmMM4CBgPgjm-FVaeMSbq_mcOdA1UUsN=
AouB_g3EpMJbqlvbFfGLOgX31WI0goFtoP2n8LN45D6w_enSMwa2JtC9TyAiMbIVcykRC8BpM3c=
yXQzYMGy_B9Sqn4HpFAkmhTlTdr" style=3D"color: #0047d9; font-size: inherit; l=
ine-height: inherit; text-decoration: none;">Should we=0Atop up our kids' J=
ISAs=3F</a> | <a href=3D"mailto:%20mmd@moneysavingexpert.com" style=3D"colo=
r: #0047d9; font-size: inherit; line-height: inherit; text-decoration: none=
;">Suggest a Money Moral Dilemma (MMD)</a> | <a data-tip=3D"msetip~moneymor=
aldilemma~3" href=3D"https://clicks.moneysavingexpert.com/f/a/2weteBoQON7JT=
36op57c9A~~/AAAHahA~/YJOCvd2FMcb-0xkDaQ8SD51REOSCSiQMiKykjypvC5LmiL4gFTqhSF=
Foy8emReVYqOVxZ2xSlfG8cqRKbw4PYOK-f4IoXXN9u-AiZof46LCW1KnsN6WKnVyIkZKbGoRDF=
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ht: 22px;"><strong>What you need to know</strong></p>=0A<p style=3D"margin:=
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zx0647wmK8g-ZyMguH1WxEJWCVrgRA2e0CQu_DZWW6xZr5hOr6LJQ~~" style=3D"color: #0=
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ction 75 guide</a> for protection tips).</p>=0A<p style=3D"margin: 0 0 15px=
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wAx4THv8e6o7673mh1AaUo4Fkbk_CtlTru6-VIFsl6V0lRx9U-CMXHbUdO8djVb8Ep8mQ5pOLKJ=
-8atqATNelkuw17uTK-l8-yETboFhzWFofGk~" style=3D"color: #0047d9; font-size: =
inherit; line-height: inherit; text-decoration: none;">Full Terms & Conditi=
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ysFvq7TpudrcDnzhOOX8w7PhUosNsWszw2rB3tPsGWwFU7WrR9P7Ck95MOiNXI7IfvysBvtQ~" =
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Q-xlcsVutQI3saIzglJ_T6kksdeHraSEuSkzes5ipTawudENOlbc7JFOAxf4Vc3H1uszVURp2El=
lbx-st-p-PFisezZJtKLsCe-s7crvjKFZp2fT-LWUSuH0" style=3D"color: #0047d9; fon=
t-size: inherit; line-height: inherit; text-decoration: none;">How This Sit=
e is Financed</a> and <a href=3D"https://clicks.moneysavingexpert.com/f/a/6=
fR_tJsn4qhvEoGxSvs9WA~~/AAAHahA~/0JpEg2RNxsqncjNV2VDokNFDPDHFwCH8j6EDXpLZUb=
u7HzqCNWVIgRb913m-1fQULbXqnUyFGITcjJ2PMBlXp6eq-ZlFQWaxMeCKBpCkWctQcmeP-ScJW=
nDxRTVfkeJhMRTUiWfbZH8YJ88C8ZREj72zFlkGcKwL0DvWEFrVRIvEPN1fwWp9_XVGB_B39s8b=
tzBU8FMPzKEcf-BUDbC2SYMh9AS__UHGDn5O9GgGBB2XtEBsScOJYJdE5edddMplWjJkHAYDvoS=
gfzR6wOjGdKUd-FTeGxi97heeHJ2YD54T-v_ImGZvMwSIX7vH-mpLtMZDxP8lD_55wE95iP1kUs=
XmTlJLDivtSv2PzmcfZCHxq7_EpyK5xs5GfmI9OK-P1myTgvInklr3RztcdNZbaPJHLl_FUkZjs=
XzULDqxfno~" style=3D"color: #0047d9; font-size: inherit; line-height: inhe=
rit; text-decoration: none;">Editorial Code</a>. Martin Lewis is a register=
ed trade mark belonging to Martin S Lewis.</p>=0A<h3 style=3D"margin: 0 0 1=
5px; color: #5c6a84; font-size: 15px; font-weight: 700; line-height: 15px;"=
>More about MoneySavingExpert and Martin Lewis</h3>=0A<p style=3D"margin: 0=
 0 15px; color: #5c6a84; font-size: 13px; line-height: 22px;"><strong>What =
is <a href=3D"https://clicks.moneysavingexpert.com/f/a/j5MuPU1hF-2ApAxiBs9F=
1A~~/AAAHahA~/dP-7cp_2lIMVX_Xz0-Hx7Y_tRAPrjabxDQtFNNKCcp16bFG31Fu7hHt4PuVHi=
i0UuwTKWEpUdowrOlUxxB3dzdUnN5L_QxfpPAUGbYc-SUuek5TZe5foZLBzHwjEIoUrMpC6WGDD=
1Nl3QlMFMeLzJRn3VNX7W2xWWD0Ff_Dyetuywbm03lVX8kLsmhoKBtCSipbTfaBR-pYR4aPXnob=
IzNY7-97JGEj9e8Rgit_ltqAjMfTr8gJOU_1-R0nctxzZ_Gl6uD5q3R5-Brm8nC1iBvVwUG-2-L=
oJ7715VTWW1sOW2h-6R8alzeeQfj6__ykOpK5ly4nfEqw6GmaOKL8W8XPDeaGM1rs_qHF-uNhmF=
e3lfU_HdDjm_ZAvTZ92CPazGv2e5prXbqlVbqQWjHwG4g~~" style=3D"color: #0047d9; f=
ont-size: inherit; line-height: inherit; text-decoration: none;">MoneySavin=
gExpert.com=3F</a></strong><br>=0AFounded in February 2003, it is now the U=
K's biggest consumer help website, with around 9.5 million users and 45 mil=
lion page views a month, and about 9 million receiving this email. In Septe=
mber 2012 it became part of the MoneySupermarket Group PLC. Its focus is si=
mple - saving cash and fighting for financial justice on anything and every=
thing. The site has over 80 full-time staff, more than a third of whom are =
editorial - researching, analysing and writing to continually find ways to =
save money. More info: See <a href=3D"https://clicks.moneysavingexpert.com/=
f/a/cQ1JitonAi0yeMEXGdA5bg~~/AAAHahA~/0JpEg2RNxsqncjNV2VDokNFDPDHFwCH8j6EDX=
pLZUbu7HzqCNWVIgRb913m-1fQUTpaFt6nnVhhS_I9LAwj0Dn7TRP5RWN1CtaurFET-0WtI6gOA=
qAXUYxaNt1lQxcGyav-Uj1OkH1qRl7NSIhZRds0r9XMDx3BuYh9YbZOBkXLyloD3LSFuHJkmMFI=
4887QL2PkBap_rKAu_MZ_FLukzhofjQtPKvXF0ARIfGJWsN2Lmh5DDkfxePBMnC-FdVPYAr6vW_=
NRqiDUB2wFh7-FAqj-U-EypVESVLU5ANv034q3W_AYYMVhlj8ewLKG-DObygn3_Xt-Gzg_192x9=
SY-zCjxv3VDvi3Gdf_bTidPmrdlqFyTwDV0pK00IJESkDGIrnJeLVrIUiLzTpNvDGfWljSsgSzU=
a1tj9OFVRzd0IHw~" style=3D"color: #0047d9; font-size: inherit; line-height:=
 inherit; text-decoration: none;">About MSE</a>.</p>=0A<p style=3D"margin: =
0 0 15px; color: #5c6a84; font-size: 13px; line-height: 22px;"><strong>Who =
is Martin Lewis=3F</strong><br>=0AMartin Lewis CBE is the founder and execu=
tive chair of MSE, as well as the founder of the <a target=3D"_blank" rel=
=3D"noopener noreferrer" href=3D"https://clicks.moneysavingexpert.com/f/a/l=
Rw6nLk5zXWwLBWyyuxV2w~~/AAAHahA~/ONBEfVaEop1TvE3HD5lBF55QqATLzpFcmY7vSR1yqb=
3ywZ_JJMZTIx4dNBJBKXcoboLB8LZGb0mPQZTGwpu_-CcHmg5LuG1UsZbiboHO9Yyw-inrQIuZK=
j1F3PxP3O7tewUyI4zk6pZ3ogf7i_eCCQ~~" style=3D"color: #0047d9; font-size: in=
herit; line-height: inherit; text-decoration: none;">MMHPI</a> charity. He'=
s an ultra-focused MoneySaving journalist and consumer campaigner with his =
own prime-time ITV programme <em>The Martin Lewis Money Show</em>, Radio 5 =
Live Wednesday show <em>Ask Martin Lewis</em> and weekly slot on <em>This M=
orning</em>, among others. More info: See <a target=3D"_blank" rel=3D"noope=
ner noreferrer" href=3D"https://clicks.moneysavingexpert.com/f/a/w1NcKiSx4V=
n5XopBAmB14w~~/AAAHahA~/rzjxl6AR9SLAzYVaiGKOx16tizJ6t-vHSCQsXUNZMvLsS3mDlvh=
kpZpJEpSTWElxmY_JTW8hKPQ6Y348ZDcOk4mjSyv5Uiw5ZJfPa8UR0yqKp6HLzkzeRp23ljPdJB=
BCHGr5mBgKMs5SmdSbw9-HJjKYnsYE7NLLVqyMjFyEmKP3lGQhqd5D1K6v3YjXmHeNTtKZIJA2r=
CUYo4N8dECb6QLk3ai8onPoA0W0ohGMz4Z3WnZLxnCpi81GYyRowFdurjxprrhjl5QC90MDP3Lg=
MFkP-kVLwEExW4OaYm5LeC2UdLcDucUi7HtGrkLXihUwBnJYtP513F-aD9zp6CBrT6MS8rdHS5I=
0WzdySiPQhHqYBajxzh6vJgIu-THbh6Bn41vEEHSkbH8cLdE-KJU-prghcQTmvsm0MjuStZNWcE=
6YnRMi49CI46z9cDxCv7re" style=3D"color: #0047d9; font-size: inherit; line-h=
eight: inherit; text-decoration: none;">Martin Lewis' biography</a>.</p>=0A=
<h3 style=3D"margin: 0 0 15px; color: #5c6a84; font-size: 15px; font-weight=
: 700; line-height: 15px;">What do the links with an * mean=3F</h3>=0A<p st=
yle=3D"margin: 0 0 15px; color: #5c6a84; font-size: 13px; line-height: 22px=
;">Any links with an * by them are affiliated, which means get a product vi=
a this link and a contribution may be made to MoneySavingExpert.com, which =
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on't impact the products at all and the editorial line (the things we write=
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for the best product, it's still included in the same way. More info: See <=
a href=3D"https://clicks.moneysavingexpert.com/f/a/-_bmlr8x-OrOV2EOadagZA~~=
/AAAHahA~/-XD8NrvIR0raQHHeYG0BK5yvXLiDPU1VX0vuGUQKYvwslaqIpYgCu7tAr6QhJ3g27=
evMHU6HGfU0-hoBiOcGrsgb8qIhXJZvA8bxbojuJx3tknH3QbJ9VimPWIJr1wr883yi1t49r93M=
fh4n6htr7x8oSqr1iIHX3uik9Zj_ABi5jFdVKwUo5NEfAWYnTmMcJVPKPQPX2ajwk3QoSBUjVZj=
tBhcsxyECdJDVPODSO9928BkrpykuLubLJkYkuBDJ53Je2tkyxcuxZ4wEoXFZ3ppcNB8EIMzxq2=
2nKuZUaD1YBnjoLVXvNUaViric2nUCqDLOfQXI4mLY8wEh01ZA4eVudnPB9jQAp0INrAKav0ep4=
rwy71qvEEKlMuW2fgJWmxHjm7ATLgfaZmLXnC9Ue0VV6kVP55mPaeZtzm1B3fqc8brcjRTlrTgH=
usgTWCTU" style=3D"color: #0047d9; font-size: inherit; line-height: inherit=
; text-decoration: none;">How This Site is Financed</a>.</p>=0A<p style=3D"=
margin: 0 0 15px; color: #5c6a84; font-size: 13px; line-height: 22px;">As w=
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