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To: sue@sarahharvey.com
Message-ID: <1A.2F.21725.316096A6@i-04289caac248c2739.mta3vrest.sd.prd.sparkpost>
Date: Tue, 28 Jul 2026 19:42:11 +0000
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From: "MSE's Money Tips" <msemoneytips@email.moneysavingexpert.com>
Reply-To: noreply@moneysavingexpert.com

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Plus... Home insurance price alert, FREE Lego, 36mths 0% debt=0Ashift, =C2=
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u7JWtKzFQ6N-TD7znavowb3z1U4geg5aEYd-5oDcZD6dWGC6RDWpX3-Cvg5_ik4BhRgvwR5vZWd=
jKe4RWkoUTAtNiAMNgTWnkV-ok9iBYiMEnHBUQBy9ZrTbhnWcQjXYlZCNR_wBLKKZEOa398UVqy=
s0WgUdfoYlH7daAMbJ5QLpkmHEcJ1R3yLAZdWlli9BK5ixUVpsSjBOirY8hmJJUhaGznyj1ueXj=
6_9DqWKA8mrSBWHVdBJbFPNn6fB )=0A Best Sim-only deals =0A( https://clicks.mo=
neysavingexpert.com/f/a/Kza3NRWrO-quEVcbEqqE_Q~~/AAAHahA~/2lT-zcpl0DRRPdIJC=
XkAGluPp-eIoQ5plmM7MhB7Q76G-WNSBdGKEjTlE86XNxwETUbawxGcfL5Z6GqfQ4kfNH2rF8Kr=
WEMlfyviPKZX8Pab8TUBcQgs2_gZNT5JCHB-oQkYIl6vLM3OGNSPm5JdJNJC89oxRCXc73PgTxo=
ziR24E9s8NiFvFZUMY3pEKJiU0do5tWsD2ZPBKfcDp0f9ShjLs2cntPL4ZaS2yfB6lFFprmbPrB=
SjU2MxOsSewC3A7hXUjIG5VRP-2pCEqxU6rlLXXXL6PLVsE2dXsIIzUaLlRfoazHtdUgyrs-2ot=
_AvMmjlioVNI1SXaToj0j_Flle5v2Jhx9EsMd18JB_cfp2EXf__MnAxSziryxHY1GWWL52ECLiw=
WukWjxCfynEn6WUDPZWUQC0ZhGTvqbHKAURk_n6upkfiaS4BB0WbDWrP7lDMMdRMuHOCmdU2Cvu=
OSw~~ )=0A=0AMartin: Do you have children or dependents=3F=0AWhat'd their f=
inancial situation be if you or your partner were=0Ato die=3F =0A( https://=
clicks.moneysavingexpert.com/f/a/zGUBE6oFhL7qCqNapt-HMQ~~/AAAHahA~/i0eAXCM1=
8azCaeOE1zZku-E4XJ3c9I0T-UP-c_sqqmp73FvlCwWJyvMw7NHUr3fsnLDIzMFUgW9QtGo6_hl=
H2mcjIKtmxBwa2j7aLUG6b2lxPSLvEDX7Uqr9t3a6wXfx0Hp-k0AtVPEEFVWvcHJe1VPA5QzCsC=
y68UTOUx5puNO695eqBp0UTA7NXH6XzJ5jQ-IvQGrn_2O-rU5Es3lARyAG51wItK2vTFfeoKd9u=
O6UaZg90R_8NsDSak5VPjNHaxdKNHlkJllHoWSLcpGX3T-wxYfAE_3oYLzewP4-dXvhcj6jz5XJ=
OCUcFrRjm8JSX1nAiegIgfgOGIBmrDCGdAW3LULIxPytbojrX-QyAHjDcQRAGAeYPMLS5WKskEJ=
6MH7ho7WHT2Sx9W6K-g7g1NpomHM6DHC8d54yDutIRpo25oyhvr2NakRpCCN3jj7p )=0A=0ANe=
w. Cheapest level term life insurance guide =0A( https://clicks.moneysaving=
expert.com/f/a/kIRB2ovdpalgz8QpW479GA~~/AAAHahA~/i0eAXCM18azCaeOE1zZku-E4XJ=
3c9I0T-UP-c_sqqmp73FvlCwWJyvMw7NHUr3fsnLDIzMFUgW9QtGo6_hlH2mcjIKtmxBwa2j7aL=
UG6b2mKMOOfeCYBpiodKKRMS_rep_-w86sD2lrlN_uYA2qshAj5S0m02kKC9uy2Rb8GtBA8uM7k=
duhvfO-I1Dg7QTUPQAv7P2qReeZvojui4voeBVmArJclFNv-n7luR6X73ps2Ko0ynW0AvIW_XMs=
ZJjutTgKsaJ10kfOvbtmfb2p2hgzyMk5O_FzH8RQxE4Po5wXWy_PVJX5xu7f6PdAy0cvQOqtGTY=
TDvwzHJqO4MDRWr2zLONKCCsH-w6GyvBoNXDidGx_VBgSyFQQ1wxrVGC1AGLEYN_XVH60JTTgxE=
SBLPA4mWbyG0gohu2cOXAMpXRUmGVtFD0b329Uayh6EL05C )=0A=0A=0AMartin Lewis, Mon=
eySavingExpert.com founder, whose image links=0Ato his official MSE biograp=
hy page. =0A( https://clicks.moneysavingexpert.com/f/a/4FmZMlFy2HVojYNfdzy5=
eA~~/AAAHahA~/XN3WXCW4ZJ6iaWMyJ5uxijyb2LUh5dTQKqQpTSiGB39T2fwhgTf-pk2k0lq27=
ktvtYSd9vM5aG2EDrGEkypEyiEvWlaAFAsHdir-0yhfl3hTOgBwVGwOH5SGTY942AhnzOAzlIfw=
aZrjxfN569rCM7rXAsKYOUxqdiv9CFEM-2s_onNCV_by2OKOhLlgHg7CV02NJN7MXY1lOBla_M3=
UsyzLtHo1cA7oRWY3Alv9B1s4Q-S5jHnjnCeIJCVGzwB_gU4KpdR8g9pryMR8YaSrQIWiQD8uPZ=
JB_6IQdihwTY1462R_pkquBvUhoEzNh2RXXfwu1EIGqCvRWNyhlIJh5ynQfy8PQZfR_lgAp4TC4=
MriIk649S37vMv8C7-DW2hlb5Y6hJBPIfncb-0JPr9jmhdu9WqAopylKlepiim0nULVclCraCMf=
_mzj977D01hZ )=0A=0A=0AThis is unpleasant to write. Roughly one child per s=
chool class=0Awill likely lose a parent before they're 16. It may be throug=
h=0Aillness or, as when I was that child, it may happen suddenly.=0AEither =
way, it's devastating, and can upend the lives of those=0Aleft behind. The =
pain is easy to foresee, but it's important to=0Aconsider the more prosaic =
financial consequences too - of the=0Apotential loss of income. Would the f=
inancial hardship compound=0Athe grief=3F=0A=0AOur new level term life insu=
rance =0A( https://clicks.moneysavingexpert.com/f/a/2-TZhQXCzspzPpZJjYD6ew~=
~/AAAHahA~/i0eAXCM18azCaeOE1zZku-E4XJ3c9I0T-UP-c_sqqmp73FvlCwWJyvMw7NHUr3fs=
nLDIzMFUgW9QtGo6_hlH2mcjIKtmxBwa2j7aLUG6b2kTLzKmvljqKnlC-TsoJ6ZV6FtsPZ92Zim=
WbWDIlDLj-UukQpqx6DlfiEjRZbXmGrKp2YYsIonQF2QcTp5MYyw_DmfkDJPvfaMna2mfhH5swo=
Uipbr2I0OlTZH4Za18q1pd6eOZ4DFAGYjqszYZ1Q_eLLimSED27O6pkr3crVExAFB9g9hgjPk01=
nUr18o2bm_Lb0FEx9oowuWlaZ8xk56h_RjeqWjQgOnDTXafhYK34iSa8SyF8omhT7Cncztc5jJQ=
zb4FB-9UX5_K_b_wJcCXkDOwo4d459CvPE-SdyGNltyrpq8nny7U0l4Rled6AIT2ysdZabGOAV4=
UJjAG0ViT )=0A guide will take you through how this - what is usually the=
=0Asimplest and cheapest form of financial protection - works. It's=0Aoften=
 called 'family cover' and helps you plan for the worst. For=0Amost, you ju=
st need to decide whether you need it, how much cover=0Ato get, how long it=
 should last, and how to buy it =0A( https://clicks.moneysavingexpert.com/f=
/a/DGD1m8yhzuc6nFthw-QTrQ~~/AAAHahA~/i-IfHxZuay3KnYuadz9VjWVq5-t29RGV0WaVte=
8a-fehdT_ZA3nwebDbUBc7B3kP3lEftjyyg4xEh4tGjuNVtKbwHWSdkBKFxXEppemoiK9yJogZB=
9KOWt01O1mBhBKg99d__-xObiwRztOKnxTvI1bLWk-qs6GtDwo67ThZl1E0BJ6MI7b9NzYSr67u=
mXbEgIsZ1sGRNDyr1aEdK6nTiEdOZOh8nopLYIgCrnMHlii13VrwU6G0SjQWmCFv_yiMibXs-Bn=
rKYI3rWhyHidHvK0jbRwAHh0FPg-D-1kKZKe65zQBoaVHGtC1ohPSmw4x9fqfYYw8TTYQq79eJT=
vJcSlQVXNdN0eRkPwPvczav68bmgXSbxYdtO2M-PgsMVIZ5ZjiRneoJ6ZhAkwfmc-edD2DIZLkv=
EOanTkIBLb-lACQWHc-txxPBxd_-mVslk8AnOK4QtZXL7Ekrt3NOPxPeA~~ )=0Aas cheaply =
as possible =0A( https://clicks.moneysavingexpert.com/f/a/72GgcWMaV0qDGEnsR=
Zbp4Q~~/AAAHahA~/i-IfHxZuay3KnYuadz9VjWVq5-t29RGV0WaVte8a-fehdT_ZA3nwebDbUB=
c7B3kP3lEftjyyg4xEh4tGjuNVtOLM7sp3jjhYKrC5kzn1VG3Q58GM649LOFoGPTA1-dp47V4gP=
GmYGnGpdTSg_zowKD5kbwr7GozPdfhx0xRVQfEoY8IWRzRilGL9DHEMrB5WqN6fHNyttUMOs-E0=
Wvv3CJlw8wdvWIvBx1UA6xohXdY2EpCDYoo2Js97wSUft-KdhSKDYJJhC9l_Npbi84X5eDLdF4K=
SVKH4sAFJ7pGHZ7332NYSAC8dIem2G525PYzoWngkWozLdeNXd77cnh0_5Y_Ar4X-MhSMZdeGYP=
UJYCLQJ5OYbESiHq9Bm6IdTJT1v0flvf2kAaU0ue458C1NI2K0VlJTyTHZ9sjNpHZpSChDVDLNv=
G4C1sirY4ClpFMxqXVpnFui7hzOVFoG5L-bBA~~ )=0A. The team and I will run you t=
hrough that briefly below, though=0Athe guide has far more detail.=0A=0AYet=
 I hope we waste your money. I hope it never pays out because=0Ayou live so=
 long, it isn't needed. Just in case you don't though,=0Aif it applies to y=
ou, take a deep breath - let's be blunt,=0Apractical and get on with it.=0A=
=0APS: A brief plug for Grief Encounter =0A( https://clicks.moneysavingexpe=
rt.com/f/a/Tfz4Rg8__uB45xZDW8BRBA~~/AAAHahA~/Z2C31XRTCgLNnpfd5DtVhOT1i2ugSe=
KBQuMJzgVP3wOB8eh9OgiSqEeYUdbIZPthSlb3Tayq1bD-u9-c6mI9mfPWXxZsrLmerMV9ONgAQ=
9dzxFFD3wsFl7xhdEv4bcGF4MAY8zJMsd2cB1LO9yPglQ~~ ), a=0Abrilliant child-bere=
avement charity I'm a patron of, if a child=0Ayou know is grieving.=0A=0ATh=
e 11 Level term life insurance need-to knows... Different=0Atypes of life i=
nsurance =0A( https://clicks.moneysavingexpert.com/f/a/GKsR7Kmj_eGxxTlXM2-H=
mQ~~/AAAHahA~/zRZNEA3-P3iQ1DkAA0Apd1xcoY-BZOPmE5sjWi3BMYSoM2bK_Rg7hqG6pHbXI=
l2imulsAxFD9ClMppvpGTiBPbYvNjb9W_2luLzXBK1Vj-h6_SyLq5tC7suvfpBR_1NbPazm6irQ=
cY2l9YT-xhpQ_eQhpnGgOTcvcZiDqB2UFXAToppn17p_e3dCjQlzHc7oXa3CgCKW1xUc39Q9oQq=
FJ0NCjeIio8LOUK4YJpqhbpAqfpZdd9psdHEAX8uxdZIgzVyDL5x0uSJbac8zBT8IQFZpLVD_ZN=
8xu66JOu-ffymjBHmZ3zn1ur6ynxJbtOOxr-GkQZSa_Kga917qO1JIsYPZRbmgbsJPUnt05iBxU=
KxHCoABa5HwYmmJUX9LFsTKsAApjse6HYgRGcU1UTl59IYiIr2iL6SEKtasa3jdO86Xqpw-8XjN=
_-7lTkQCZU-QAwwmqSikuGTOORUJUwVdyafxWumoOL7TwoLSgd0gNd4~ )=0A have varying =
purposes, including inheritance tax mitigation,=0Amortgage protection and s=
ome legacy investment products. Level=0Aterm is for family protection. It p=
ays a fixed amount if you die=0Awithin a set time - for example, =C2=A3300,=
000 if you die within 21=0Ayears.=0A=0AThe simplicity is useful. The amount=
 is fixed, the time is fixed=0Aand - providing the insurer is reputable - t=
here's usually little=0Aargument over whether someone is dead (though if so=
meone takes=0Atheir own life soon after taking out a policy, it can be=0Ain=
validated). So price is often the deciding factor.=0A=0A* How much cover to=
 get=3F The traditional benchmark is around 10=0Atimes the higher earner's =
annual income (as even if it's the=0Alower earner who dies, the higher earn=
er may be unable to work as=0Athey did before). This is a useful starting p=
oint, but it's best=0Ato work out exactly what funds would be needed - incl=
uding=0Aclearing debts and meeting outgoings - and to factor in=0Ainflation=
. Also factor in any mortgage term life insurance =0A( https://clicks.mone=
ysavingexpert.com/f/a/SW_EvzwXUq9u0vv4r2xOCA~~/AAAHahA~/7h7pnL-DNd2gFfjwejN=
20KyZYnKjH5nRIhysPh8K-6ZbsINSnPqV12E0tf-Iuyy0ZlJbZ5mKnbSEEol02mheCmwfROuCNC=
DXsvAoODQQSOr0lWi5TyJmBbesHJPuDMQ6PHAURpsOcS9dpo7WdGwgnnfGmoOwEfuXyF2nQj5kD=
ELpsolSjdiWTxNV-kroisuyNFr9KOKoS-FtRyeDkukhItg-nBSd_NGhBhmo8VNgoJwA0pp8fJA5=
jN1zVL0Yk_GAbYrWd5-GAdccu4Z58cH9GcJXMINpEeeTmck7bvOZDHdOFYFICIKLsqfJeUiNDu2=
yHMeJ7re5x6xjZ3KDaicySCQL8kYEz4jKLJ4JYCJfgIkC8aULt0vcK49_Q-E2tHCzmPyYapdMf5=
9qRpvctw4X0795WIR29J5V0urxI-XVOWZrBa4eoKbMrTL5rLtFBfG6 )=0A (designed to co=
ver your outstanding mortgage if you die), and=0Aany death-in-service cover=
 from work. There's far more help=0Ain how much to cover=3F =0A( https://cl=
icks.moneysavingexpert.com/f/a/HM5iwTDF1yjLTgGGMhmI6w~~/AAAHahA~/MpJFXUMFUr=
dCi59bEng9SpYsrU4zMQqKaniHz1DzfgHUllhLmwiRnO6L_Eb_Sz99RP57TsfrLjLRo0pxESSBv=
dYwj_LeVWCybfLcOzU_CYufOkX4H0wINfM-rEPcIwmuxVWFWXfg02UVcJc_KzJoHoEWRIeaMhQB=
4uNbNO4nghuBBQ1vOf3NffvGabvWYn00_p1ST3HHhlY6F0D5LqNOv_pqu6Qmym3ZeJNnq-gBWG0=
99mwtsgvVxEOhZoyd4lRY7tII_2lT7_b4NXeEkfQlhfEqTkjV7SRHoWvLjsFLGRDLSV7wILEnq0=
qoigwMmDrAeA8CepNKaP-oMV-o5f5PBany0l3rycH8dD9iFs6NSr-RUVum-aMLVHq675LpR-48z=
Z_8_OHV2r34kYYOKLFXJw0G3zHfPfh-UIO79Gqp--1TgSVGvMt_9BfqAwqt1YMd )=0A=0A=0AA=
nything that shortens your lifespan - like being a smoker, or a=0Ahistory o=
f illness, or even a dangerous job - can increase the=0Acost substantially.=
 If you find covering this amount too=0Aexpensive, you can do it the other =
way round: work out what you=0Acan afford and find the max cover for that a=
mount.=0A=0A* How long for=3F And do you want a fixed price=3F Most people =
aim to=0Abe covered until their children finish full-time education or=0Ath=
eir partner would no longer need the extra income, so possibly=0Auntil pens=
ionable age. See more on how long to cover for=3F =0A( https://clicks.money=
savingexpert.com/f/a/2pnzqLp7fmRD5Wf4raQ9Ww~~/AAAHahA~/POiODKj4rD7AGHLGRXaU=
4PYja2geJIEfi_5izwXDY5nvDSU7KsIl7wjTXcVkJI5r8AsmBkKEI9PsokbFKKOYq_al6xsHod2=
hnPeoAJsnlNYZOJrBshvx98Plz0goNcZmuFJxDl0R9oKVt4pKjw1qRia0O9uIUMhVdCZmY8hEox=
-tnyoLT0mzbXNx_K2pux0QoiMf6gdPhZ6EN_oGG-HxgfVPkSpXK6f6xtUoMPiyKgPDltOwcgzcD=
eCg-iTe1GuvrNfI0cmtLm8dns8hhfZAVg4w3TiQCw_KXPVec1kha34iacl-CWuE8GuVhTMLkleV=
FhtSqJpXa96NZFzRQAKxxhM4oWMZxCxdFh8JcE7LDl-UfzTID1nKirMxhwdxrAezZdlS7Ld40hz=
S2Ne75aJJYwBMiqVm9XZB58TQi5LndjwTQNjB0O-N7rSsybajrpfq )=0A.=0A=0APlus, it's=
 worth checking the premium (the monthly cost) is=0AGuaranteed. This is the=
 norm and means the cost is fixed for the=0Apolicy term unless you change t=
he cover. A few policies are=0AReviewable, where the price starts cheaper b=
ut the insurer can=0Areassess and increase it at set points - potentially m=
aking it=0Acostly later. This is more common if you link the insurance=0Awi=
th critical illness =0A( https://clicks.moneysavingexpert.com/f/a/eOd4H4OXL=
0t24EItBUkPYw~~/AAAHahA~/H-sAaWWg-nQfnTGqKLlas2KR5oWParRxEG7acwvkXf0yNBZUrX=
f45tEW-bcIZHS3Cz0oySppIamQSv8FjG7A7YKtd4ehQG_HC6LlLazNouEa1-mOVDSKUQmACifnp=
TPcFFKrkZ3n55nxZo7j1CSlYXwqdEdIOoRxOABftbPjXRoYeO7yv1fTVHqwcGTqnS2TMopLOdSq=
5PNbxtNLWJMohFUpiH7yoYlQmNq5tyqtEZhkUzZjS1HAr7-OJ4OVLIv9kYi9-t7pweaHu0Dynht=
fiaRn07zUn3N63CrPQ0TTRo1j202kZNcNzq6vcXE7Qe2GFJgJcdgTNx9ttaIVjLZyrG0eRxV_Yd=
frBiOiZ4fNpxU-PJqsgWyh7tIpcLLwov_6K2d3Vxs_qr8OsCsdB5mfV5y-0S_VVVomo5Gh4YYh1=
ijEkBQCAXvof7gFCqYt9t4V )=0A (a more complex policy choice).=0A=0A* The ver=
y cheapest route is via an execution-only (ie, discount)=0Abroker - but ONL=
Y if you know what you're doing. With a top=0Aexecution-only discount broke=
r =0A( https://clicks.moneysavingexpert.com/f/a/mROIPKe3LrDN0gOuQnKuzQ~~/AA=
AHahA~/mcoVoA4blH1F9ynRpEKgo1yN2wN7q-16vzJssIDRgF8Kh_Fj8l-yUIIlUOYvXGC_K-8l=
wGygsGKKVIlR_fXQSGfxWu2xdaikFL5J56DPFap3n_66i7RnBoLWD1_xN4TVUt__V2gHDR53Tvl=
oe0ZXhXukcRcJCjj01CmJ_ONBLuCCCcRSW_LBEAvPM0Jr5bK1ii-c9aZwn2n-RJZ2n-NEL6a0Cz=
ZyhUMFQlY3eFHcX_oQ-eVEkRSBNGoQuwS9AfFIX913I52iaGSJvDcf-bkQMEP7umtZMxPS5pQra=
HI30tZ1mWklOwvHOnfgRsoeBRvTpsbBDdPgBMPAmKrGJe1Sk52wTMPzDE9thYL6NWUyAzjuxRpj=
GV5O5j3O5lXTtxYvkP8IhrMNKjJ8iOvSGV0-ywUz3fAkYmV9z0398B0ZsIW6Infg7J8OOGBbtno=
h0YOmw8TUT_MvZ4vQlWaz6PE5pg~~ )=0A, you pay a small fee, say =C2=A325. It t=
hen shows you the cheapest=0Aproviders and rebates all the commission it re=
ceives - often=0Aworth =C2=A31,000s over the life of a policy. In practice,=
 that means=0Ayou pay far less each month. Yet it is totally 'unadvised',=
=0Ameaning you get no help and need to know what you're doing.=0A=0AOur top=
 picks for over a decade have been Cavendish Online =0A( https://clicks.mon=
eysavingexpert.com/f/a/n9A1H2dFNoDuQ5cybtzpMQ~~/AAAHahA~/Z2C31XRTCgLNnpfd5D=
tVhJaovLC-RbCiAzP_rdtR2DG6HGHh8oFo4NrDU6leDWuXqOWTsg_pmUgV9hM-YpCQ4zo9e1_d0=
8ga_qRGIkn0fGFz-vKfXBp1wGCexkhd4qRpJtxHE4oqIrscYsH7o6zJqQ~~ ), Moneyworld=
=0A( https://clicks.moneysavingexpert.com/f/a/4E8AfARFUcmi91z6y0F-Gg~~/AAAH=
ahA~/qMJMHE_5Kl8U7T2b627-sDLTNjPWAFiMjZelogvI9-GvAD98qTTgYr482zd11zwgNTUsy5=
YTAbjx9bC6syIxQhq32uvFz2fRGHnGLANhx0IVy-VGDmewunkA-78ff1BZ6iTnqPu3cTddeOI9u=
K9fwt9BQeThG5nZtyYkFkkAGTw~ )=0Aand Money Minder ( https://clicks.moneysavi=
ngexpert.com/f/a/UF5U7fzB_LcbnAIJWqqUGQ~~/AAAHahA~/_tIu3-chvLORtCpAa-nNdUYu=
Mj0ouv6B_8EYndmmbMADR4A8mFnOh8cEpnNfAL2bjgGOAWjV0IcxENEI22h_uk_bUrXdx3cm4_U=
v3Y8xdR8bC_cIIOEof1W40Ultq0tj1qLe9Bi_rw9cmkBtmX-Kqw~~ ) . The prices tend t=
o be similar, but it's worth checking a=0Acouple (if it calls to verify det=
ails, ensure you tell them you=0Awant 'non-advised', or it could get pricie=
r). Cavendish tends to=0Ahave the best online info for 'writing in trust' (=
see point 6=0Abelow =0A( https://clicks.moneysavingexpert.com/f/a/KTp2tKyx7=
JtfpC0UAO2-tw~~/AAAHahA~/9rfRdgfZcOVirfu4wzOPHmbfFjPu5NcalemBzlNT9GBfq5wqSC=
6TKQsFFQxRNtBT_WY5_7TskWpD_Pd8KT73uU47Ryiunww9oqWtPbV8pt6Jn79tXhcSfATxprlj8=
Z2fudp1Rh76VpXiHI-i5Kt8xYslaSMC9PcBTFDyP8DYluAiBts6emycdTLXXkNQfXl5OD5cmCdD=
2ZSu12MYuQGdiB7hHnhZ0Wj_z7q7FN3Sx7tw6AJs3PJ47kLrMIqxn71K4qf_YIJeqzyddaC6PwY=
AXZNnMh3tL1MNIQQV_SwQiDqfcH82dfda6HLIJfGWmEWCC31p4kmze0hBhUVlnOh-fs7NsnS4CK=
KESsPOZdS_NPlGs7V2dauKrWQdz1uYUhENYcU3uqIqyexFKT15EAp1szl6zVJ8ftfby7rNhVRyc=
W8HWHOen1eKz4VU7-py7JM6 )=0A).=0A=0A* Unsure, want help, have a medical con=
dition or complex=0Acircumstances=3F Use an advisory broker. A good advisor=
y broker =0A( https://clicks.moneysavingexpert.com/f/a/kTWTatzYe8dAQzsP-dVB=
mQ~~/AAAHahA~/MpJFXUMFUrdCi59bEng9SpYsrU4zMQqKaniHz1DzfgHUllhLmwiRnO6L_Eb_S=
z99RP57TsfrLjLRo0pxESSBvdYwj_LeVWCybfLcOzU_CYtOEyoLqfy6va-9SpPh-nRvopexs-58=
_4lw85jkegR01EvOKxNS0mtPYkJoj5Mm6noIO1-TSR_7t_4fAC3xiA1LNfRP1noB-v9rxYj_8fZ=
ymgcSRyNJYEvF5SaZ_Cot2wANFcQ9JrJTto5NXf9tqWFrDZrEflZsmowwI0c2M89S3AkudfL6_d=
FWlUkc4K5nUMywe93L7ShbJGGd_Egu3KftFXJDu-f4k2AzEwnigArgKlc_3LTZpKMil1KVfW82t=
Jv_BHOJIDV6W-LZ2ytYphrnaHsIZc3pqRID5aLsIzvj0MsKvmZIqzIlwyySL7ed23uas1KROwWh=
n0L-LE--YRVa )=0A will find you the cheapest policy and give personalised,=
=0Aregulated advice (often over the phone) to help you choose what's=0Arigh=
t for you. Yet it will keep the commission (that's how=0Athey're paid). If =
you have an independent financial adviser =0A( https://clicks.moneysavingex=
pert.com/f/a/9p4ifiG64bjS36YQmiXQYA~~/AAAHahA~/7h7pnL-DNd2gFfjwejN20KyZYnKj=
H5nRIhysPh8K-6aLXBd2jA2K-6gJIYNF_tJWoUuyTf4-Yvvf1gftp8NhtdLsLUU7C8G18ylMB1_=
5VcmR9sTba-w8oi5wi_JjE6EGxqneaNtlBSj5su7uouOIPgI-mQ-a5DvN7C8p3YwBEkunUXUiLA=
XB3guKExBNxK7t_XxGlajRJdMKk8qt1fOUk4-MEa1vHp9_7Z74lU5lQpk1zTtEGuNaU23XOMLEo=
b8_t7OEAMYRAbT12aVTqGKfICw2-8Q4S_H1IeXOr0Gdq4OUOu5clVr2ebyi7nZjRlM1d4ClRtDG=
j9NWtU6N94-x0mE61JYbXjWpoZ1m2a2y0msGQdhBMv3XduFxrwtZG7K5XQBiDMCZlMX_xuAAPOT=
qfbtAhchTENrl7W7HW1cKfEnbxu5j207TloYew9600rWc )=0A, they should be able to =
help too.=0AAdvisory brokers ask in-depth medical questions, and look into=
=0Ayour finances to gauge your commitments. We didn't find any=0Aconsistent=
ly cheaper than others - it depends on your=0Acircumstances - so try a coup=
le if you've time. We've been to the=0Athree big ones and MSE Blagged extra=
 incentives for you, so if=0Athe price is similar the incentives can impact=
 who's cheapest.=0AWith all three ADVICE IS BY PHONE...=0A=0A- LifeSearch (=
via MoneySuperMarket* =0A( https://clicks.moneysavingexpert.com/f/a/Bf5JFEA=
ePwehu2GPUHO0DA~~/AAAHahA~/wEuImsZ6RmnxxJDxOfqfuzgkv5flMLLFvsIzryu76RtmUZid=
zRwqrQLxK0R4BBPrVxR8AiF56ATlmQ6dM0SXPkWWMezNj_zoBWsSbwZgtk7_rLDwsWLp-SPB7cO=
-y1zq6ffv-OfZZpkzoAKp4MFQP1NnKkGVb-wrYLmwkXhd4Onu02YtGrsbih7QeT4R6WWRG2LBHZ=
56Er7Q8ouLLPnHimGNISrKVm_J2maYsNAyhHR9DjDYcbL5n-T_T0llLIoBU34GtU0whobbEI1QQ=
YscxaIt0ENWDHfeyWAFV8nt0ZFAppcPxVsPgvzOxaa4YUSxnYiCuFXnU1ubWZGdCWwJ2g611JqB=
h074kxI3GqF9z1lzznEubPxVXN2Jd-kxtGK-8eon2Om9Gq53P7Gf3Hxn6hliCkUQtNw8Zc5d1IT=
9FPY~ )=0A) LifeSearch is the UK's biggest advisory broker. Yet call it=0Av=
ia our bespoke MoneySupermarket number - 0800 197 3178 - and,=0Acrucially, =
say you're from us, MoneySavingExpert.com (MSE). We've=0Aarranged for you t=
o get a =C2=A335 to =C2=A3400 Amazon voucher (depending=0Aon monthly cost).=
 It's sent after you've been paying for the=0Apolicy for six months. If you=
 just compare via MoneySupermarket=0Ayou get the same deal, but no advice (=
so execution-only is then=0Acheaper).=0A=0A- Howden Life & Health* =0A( htt=
ps://clicks.moneysavingexpert.com/f/a/_M__fTQnP0W_VV3Oux05pQ~~/AAAHahA~/wEu=
ImsZ6RmnxxJDxOfqfuzgkv5flMLLFvsIzryu76RtmUZidzRwqrQLxK0R4BBPrrW_FTjfnudQrJ9=
PvpdM7w9irlnTBgNrScNU6bJvkY4v55Qkx0P9SFLstQYTwa2fSV27HX20D1vvomH3rgxWw1Xo-X=
F8aAPfimve5plv6Cmw-bLRXa2gNKixUsC7F6IcrnrUTmL3y0Dej5mZFJ5aVdIglhQjc-OcUfLg3=
1VRyvTBCbmwMYI6-CFruu-DJVHqDTZ9yeGmv2QQ3GVE_ammvYvrVKHRAixGmg-ERiCA6ZgWJSF-=
vthbTyg9i2GsRH_7BzjGc9BaxMvI_0FsVvu_lu8-yKgy3dZvaD1ZoV504GodyB_RJtgxdKZr1gr=
qd9a3jluaR0cF8XKParIs1ikPLQs5TlnTaKRhzcyYRP5ovk40~ )=0A operates a CALLBACK=
 system - fill in the form and it'll call=0Ayou back. Via our link it will =
give you a flat =C2=A390 cashback after=0A6mths when you get advice and buy=
 a policy. This tends to be best=0Afor those with smaller and less costly p=
olicies.=0A=0A- ActiveQuote* =0A( https://clicks.moneysavingexpert.com/f/a/=
SQAZXIqRK7DINe3u3Uqg5Q~~/AAAHahA~/wEuImsZ6RmnxxJDxOfqfuzgkv5flMLLFvsIzryu76=
RtmUZidzRwqrQLxK0R4BBPr8pUkeD1QDpBA7Y-RbwZRng2JNfC_wxoVj8Mu-5bssVVe4ZZIw8bv=
2oDM6bUev2b38jtQnmzNA5D5TJ87B_MTd28Y4IfDGd-hsp_XV1vciqs7gO9Re3cyZaw8RJF12Pp=
vAEdPgVkmKKbQuD6uzzW0XOlzuf5pA1jrCniPdLKRjQo9qp7GHW1MEz93p665ZGxnKt8q3_oxgM=
JrbyK9oDGj5yQ2oxramw_MmOdg6IDUinwFLrOSuRRAktegt-a9BwX18HtfOvR3zWsyrFHSAosYg=
9Ls3elO0DvX0_AtyMLF9LAxwVHFcr-lrj7FwaFBPX1jvLQDooQvu06qK7XB2fWLIDtkHZEa0IFQ=
8z3CKLBlZTA~ )=0A operates a CALLBACK system - fill in the form and it will=
 call=0Ayou back. It will email you a =C2=A335 to =C2=A3410 Amazon voucher =
after=0A6mths when you get advice and buy a policy. The amount depends on=
=0Athe monthly cost. Whether it or MoneySupermarket gives a bigger=0Avouche=
r varies by policy size.=0A=0AThe cost of different routes to buy life insu=
rance=0ASample quote below for a typical healthy, non-smoking 30yr old=0Afo=
r =C2=A3400,000 cover for 21 years      Buying route and cost=0ADiscounts c=
ommission=3F Gives advice=3F    Execution-only (ie,=0Adiscount) brokers: (w=
hole of market)=0A=C2=A31,700 over full term (=C2=A36.70/mth)=0ACheapest op=
tion, but you need to know what you want.=0A=E2=9C=94=0A=E2=9C=96      Advi=
sory brokers: (whole of market)=0A=C2=A32,000 over full term (=C2=A38/mth)=
=0ACheapest if you need help choosing. You'll get regulated advice.=0A=E2=
=9C=96=0A=E2=9C=94      Standalone comparison sites: (whole of market)=0A=
=C2=A32,800 over full term (=C2=A311.20/mth)=0ANo advice and pricier than a=
dvisory brokers.=0A=E2=9C=96=0A=E2=9C=96      Direct via bank or insurer: (=
tied to one firm)=0A=C2=A33,700 to =C2=A34,200 over full term (=C2=A314.70 =
to =C2=A316.60/mth)=0AThe costliest option.=0A=E2=9C=96=0A=E2=9C=94=0A=0A* =
There are a few firms brokers can't include that you may want=0Ato try. All=
 mainstream insurance firms are available from both=0Aexecution-only and ad=
visory brokers. Yet there are a few firms=0Athat are direct-only, so won't =
be included by brokers. These=0Aoften give incentives when you sign up, tho=
ugh in our tests they=0Aaren't usually price competitive, even with the per=
ks. Yet if you=0Awant to try them, for belt and braces, see our list of fir=
ms not=0Aincluded by brokers =0A( https://clicks.moneysavingexpert.com/f/a/=
H1fGkMODdF6IOs3EuksXvg~~/AAAHahA~/TeQCNfvZ1O6wBV77tQJu4BTzTH1t-zARuSTWeB86c=
2HEBM--4gOz5cnimrRYTU5luQeMmKVyCRtfOiJRGBmlUh8p8x7kbtyWcr1zmDRVkdaWBG_HcnSj=
CX1ElmS1HvU2aqKWzQzMNEinniP3xDtpjj9QvNu8bazQleWyY82pcWbmvlXcXglDMTVkHEAY-pt=
fHb24zdk9XhQVHCZCq35RhDeJczxeXHFTep1nlw6LGwqtmGey2yq5Zc_H-19dDTI87ajVWoFA-N=
tpqXeEgN0MW-52b05FP1QHuM0LCLRy_7dVZEvcLFFODZ8_z6Mo1oftCingrhaJL10oMxIVXBSx-=
aS37DqDT7cxiY3gDvOyI0mlpuEOZFWvHImhdBz0YzSTZfyr_WJthHnMcjyrqH6F8LfddnhgxPhw=
5Vl91v8ul3wbPTyYSY3FS1kuKlBPXekR )=0A.=0A=0A* Consider writing the policy i=
n trust. This means the payout=0Agoes directly to the person who will ultim=
ately receive the=0Amoney, so it's not part of your estate - meaning there'=
s no=0Ainheritance tax =0A( https://clicks.moneysavingexpert.com/f/a/9SM3wj=
9njkLw2tfnsVTsdg~~/AAAHahA~/TeQCNfvZ1O6wBV77tQJu4BTzTH1t-zARuSTWeB86c2ExTaE=
kHVR8c2_HhPoBKAts-AdniZvBuVqGz7QrgKbd2F-RXGPkF88BpppCJAOvsxlmisLKSZpcO-reL9=
790prdNrRgRqve7SjWcfHzEakH8iYTN9DDDwfsx3vviqbC3w0DlNiN9coHDjKw2pwiGEzd3W1mJ=
_cDMpFRlcZOhJvCa12aDtK1T4qNwzjb35jnM0XELfFF0nv3kYQ2axSv50ufzXMTHx8KvbPlDtz0=
abJZ7SSCwfrcXCdvi0ZIgjxrC1hcH2XdTQDO9AQpMy2xnLFiv0NSFpihcM4diL8HUKk7rODuiin=
yUu7Hzad1byHTfXcfaiHeNTbpKqwr25ThA_hEy6wI557Y93SVGasMo_rZctwTo1cVPfda0s5z9d=
IAUedFvdZABMY0WhNTwyU3Hio2 )=0A and it eases probate =0A( https://clicks.mo=
neysavingexpert.com/f/a/MI51ax4IYwv_CqibKl7WNA~~/AAAHahA~/BtlnudqomM-MpjMLd=
O5Tfl3uErBC1jDH0U59QqztU8e4ACAtsVsYC741knfcw0s2LUzn73VdDSSjpYRYwhkmiJI0GOBq=
ELJdxiLfzayyKcQgOdXuuNqp8G8RSJTX-KqdUjexmc-GtWHk68shgslSdgKfrBSFowew6CHU4yM=
vzfM7EfOmJrn0HAJathSQej0aHaFEqR9JT7ubF5xARXipXqCIWeYOClwdHTH8wY-D5IACWPbs61=
YBxBMZUH04F8QLTMSsdzxRWfzXBWY3UXdHZnm7uCNfxzOlXVbJJt1AC7qsSVELNRhVRQbtj5f-F=
MW8RmwwU24zP5DexEyNp5Jq2XfT_DtToYpqRGHgQtTN88MFwqHAO7fsvQNOW85iwP0ZTD7p-m6w=
YihGFzvU4HUy0Aecs_Ppz_qpyhmw9iNphAjt95YnuT-JNlkZGf1K9jmL )=0A or equivalent=
 (the legal process of handling someone's affairs=0Aafter death). In some c=
ases, there's a simpler alternative to=0Athis in the application form, wher=
e you can include a=0A'beneficiary nomination', which works in a roughly si=
milar way.=0AAn advisory broker will usually go through all this with you. =
If=0Ayou use an execution-only broker, most have the form available,=0Aif y=
ou ask.=0A=0A* Already got a policy (especially if you quit smoking over a=
=0Ayear ago)=3F It can sometimes be worth getting a new quote if=0Ayou've b=
een nicotine-free (including vaping) for at least a year,=0Aor your circums=
tances have changed - such as no longer having a=0Arisky job, or you origin=
ally got it through a bank or insurer so=0Aare paying a lot.=0A=0A* You can=
 get a joint policy or single policies. Couples can=0Achoose to get a joint=
 policy that covers you both and usually=0Apays out the whole amount on fir=
st death, or two single policies=0Athat cover each of you separately with t=
wo separate payouts. We=0Achecked for a healthy non-smoking couple aged 50,=
 for 20 years=0Acover via an execution-only broker, though patterns can cha=
nge so=0Ait's worth getting quotes.=0A=0AOne single =C2=A3150k policy (one =
payout) =C2=A319.20/mth (=C2=A34,600 over=0Aterm)    Two single =C2=A3150k =
policies (so max possible payout=0A=C2=A3300,000) =C2=A338.40/mth (=C2=A39,=
200 over term)    One joint =C2=A3150k=0Apolicy (one payout) =C2=A326.25/mt=
h (=C2=A36,300 over term)    One joint=0A=C2=A3300k policy (one payout) =C2=
=A336/mth (=C2=A38,650 over term)   Prices=0Aobtained via 'non-advised' bro=
ker Cavendish Online in July 2026.=0AWhile a joint policy may be slightly c=
heaper for a similar total=0Amaximum payout, advisers tend to recommend two=
 single policies.=0AThat's because it gives a payout linked to each parent,=
 so=0Athere's less of an issue if couples split up. Yet the decision is=0Ay=
ours, so it's always worth getting quotes both ways. More info=0Ain joint v=
s single cover =0A( https://clicks.moneysavingexpert.com/f/a/Y44VgBgogVvJWO=
I07p6gYQ~~/AAAHahA~/Qh4YUxL_JPSxvZWYGQ_P-Ngp96F8kevIDZg1ohbJWX5gkV8WqGhBfb5=
OYi4kYjbP9ynY2fn65z7y8-OxHd1mWILDNUL66cVoMa_skRlQ6zA8Y1JfW43pG4PeLsB97dj7ky=
NBg05dw2eQ4EiAXFIJXfvg365xifF1i9iVtvSt1F0ir9acRyO30fxEAJnnrx4sRh6_qKjIuXFR8=
aZ34YXNaVYg9PpMeoILsZNhobjwtXqn7LsuC-hrEHfmbB457dqRg0Q9CQXlzOseUC1y-iME-ecd=
2Ew49By5zqeqOgPUI6syjo25XZnsKfGHu4iyAchRxlAwtpMPQhA-aP8Xb7BPGhLsm8M0Ej2eVJV=
4p7ylTVJYUaRmW2GuL7o3Tiwxq5ICJMXxE6IevMgizw3PB8pb746Yl64ARaI7GCxgBzsqlqliTn=
6MAPwY3h8r1s4EHMUl )=0A.=0A=0A* The earlier you buy it, the cheaper it usua=
lly is over the long=0Aterm. If someone depends on your income - for exampl=
e, kids, a=0Apartner or a family member - that's usually the trigger to=0Ac=
onsider getting a policy. Yet even if you don't currently have=0Aany depend=
ants, it could be worth taking out a policy while=0Ayou're younger - to loc=
k in at a cheaper price. It's a complex=0Adecision - on Martin's recent pod=
cast (from 9mins in) =0A( https://clicks.moneysavingexpert.com/f/a/eZPgGZaE=
xjr5E9lDgH0lrg~~/AAAHahA~/zRZNEA3-P3iQ1DkAA0Apd1xcoY-BZOPmE5sjWi3BMYRUuLZR5=
nzJPNJS5mx94RT2iekLhsTm3JHJezRvIDq4IArU0_O2e6t_ZY8O-cRHVSgyC6cR7QIoISqOMyjN=
bYGbKJ7Dk5jjiPocfhRK6ejJ_xe32dxzOSUAVB5Iotjvcs1sCHaUcSn6w0Rg0brD3qBC5wj0IZr=
elTMfdSy6oN6oKgPttaKzURwmusw6SVE02r0mxv8dwKPs2ebKJrD03Gkrh3ibZFiZBOEmZQDPcL=
f4MItkjwcdC-CRkbNj7aEsJMeHZt45m2F_cgJuKeS-FmSJH4lpAE48Jn3_raaoqDQ6WvX53lrA3=
Wz_YRhA4HH8Jzag9STs3a4v9UTistgbgGfbAkFFeRqbPi7gYBA0SuiUKS6Ko7D5C6I10KL1pl1L=
N0eshrNXtU0MuyG5wkrK1i9FW0GpUCmU5L3ROz5SE_t30LQSILt3KDm_2JFCSr89bvY~ )=0A, =
he discussed this with a 25-year-old woman who asked about it.=0AOr see a s=
ummary in our getting life insurance younger =0A( https://clicks.moneysavin=
gexpert.com/f/a/jcK_LrBjjFegJvB16OPclg~~/AAAHahA~/Qh4YUxL_JPSxvZWYGQ_P-Ngp9=
6F8kevIDZg1ohbJWX5gkV8WqGhBfb5OYi4kYjbP9ynY2fn65z7y8-OxHd1mWILDNUL66cVoMa_s=
kRlQ6zDS9UZgORa622mIZO_1vWPT96aPOmIqgOoiEg8Hxbn1CdbMY0hSBBFKuxTkEwjIdZn0LCQ=
oNAaSOUxHRybV1ck6LWSbRDuwhwMDZAfIkIGB9Qba_TEpLKUhswT9APhnrOxR3DxhG0ko9tbY1C=
pw1y_t3uY_CJZDEBSF-DrmuMzgLB_WDqSMO32aZ4QVlfVYbyIQuV4YmeS2k0Q-NexOOFz-xVYXo=
uZOBlyJ6cA6zoVEOfp1Nsc4KyCumZpLeviCNH_gihcV4ScSSzn7UuU6ooYvh8zrr1uc7iGZkrM_=
gQjDCxrP471-LNFR0NRwqdu65ZXUlmjgqhJ6Ti65Nnd1BQsJ )=0A explainer.=0A=0A* Dec=
lare ALL pre-existing physical and mental health medical=0Aconditions or it=
 could invalidate the policy. If you've ever=0Aneeded medical treatment, as=
sistance or medication in the past,=0Afor physical or mental health conditi=
ons, it could be considered=0Aa pre-existing condition - eg, high blood pre=
ssure. Check how far=0Athe insurer asks you to go back, and be honest, or i=
t could=0Anullify the policy or reduce the payout (though for some, sadly,=
=0Apre-existing conditions can make it very costly, which is why we=0Asugge=
st you get advice =0A( https://clicks.moneysavingexpert.com/f/a/ejHAJ5I-c9z=
mJ45YVfNRog~~/AAAHahA~/mcoVoA4blH1F9ynRpEKgo1yN2wN7q-16vzJssIDRgF-A5SOWKDoh=
JFhaT9TTkuiyopQUZTgrCtcc1dIZoPQaAbBlIboDgMD0ureDyG-TUVQBPjMexaqO3qVZQYlPW1R=
gzohjlXBpCnbIb4FiuHrNv3VLOszZH9VV020DihNt2hd5tH2anm_TjhQ9oy5YTpG1ZasvC9hV2x=
Z35npgV0Re3t2MEYMMpo-0gnLRW4FWnwpGxgwXiz4ws-jFAYxKP2vAU0yTmCn2JNGorx7j50fgM=
tgb1Onpe_cJn3HI2n6F25rEiyW5keG7c-NTReZyFlced9SR9XmWFXFjeMyFLOZ4Lsw9znQQ4n0a=
NrRhsVYuTxT4rKErPt3CQPGkhfCWqpT9Vuj-d8tYXsdk77z9Mx5ILfm1nvp0eWagrfBUbQRtBoC=
KReQ8VJSQcagGSYeMr0Wt2MIn-PdabDnElMdM-4N5DA~~ )=0A in that case). More in o=
ur Life insurance with a pre-existing=0Acondition =0A( https://clicks.money=
savingexpert.com/f/a/xdbSd2U3Dn1w6iyOJBGDGw~~/AAAHahA~/zpKySlL9q0tbl73Xrmdk=
SItF8nt6c5Wv149aHeO_qf5BfFbAQ_ZA3XL9uf6-SxaZwiz5Tn76xy-LBMI8vMFBeW5TjaWtMa8=
I5uyW0scbabOUxJvAENZiyG29k6LeFhGl_AtNIqiQ6RjtjD9TO6f4UwCbfCWfpAm8XX8c7DFVhp=
Xl48KduXD_zDvpXHYP12wJ8ra_dz6cu6AlQsYiawkGkrN4FphV__lojRrPF3gnbzUKY0PHPRs2Z=
jvBk1lRxK2axBF9eP4MfV0VfMaVSkd0_ltDDEc31BofvD7PUbxr-RtUCe0riBzj9UK7FF9_iRPb=
8MvLUmS5J2yd_xLU6gBMcRJCWSmqWZlI8e6A3_4VXJJB4iIMsUwNIo9LEJKUyGptZiU0riZhels=
E4ciUU0l10VlkXZEaJrD_7AlT_9fiEiUs1hZlj7d3hyADWbv_s1fFgsrAeBZxSOvkAtnOClUvbA=
~~ )=0A help.=0A=0A* Life insurance and the advice are regulated, you can c=
omplain=0Ato the Ombudsman if treated unfairly. This is Financial Conduct=
=0AAuthority-regulated. If you receive wrong advice from an advisory=0Abrok=
er, or a claim is unfairly rejected, you have recourse=0Athrough the Financ=
ial Ombudsman =0A( https://clicks.moneysavingexpert.com/f/a/LYtrzdHYuhc0KZd=
zYg4Lbg~~/AAAHahA~/0XfvfG_Sn2aWql5fmNiC5s3meqU3a7LKkxO5oZF_CHAHTtMLmfwaUcYQ=
DSo7vMCHDzUsUfpL0hb2wiQ1aMeziQMRKXrquwADvlrPYcNO8QgWah0GgrfLPPXXgQcrjz4wytR=
3qxDx_GI0Q8XAsvkZ9IjOFiiswD38GpvCzmjyt3YZxf6hF0Iawrl4n_qwnP7ktVu4oygAL3H4Wn=
Y0D2K91iEFTqDafQWSGrNEQFEUigThU1xWNN4OsqzCPBbQ-E-Ep6IyEjkdHwNt1hOUwoWcMYOLr=
UQsPFga6WM1Ts1tq-2qMy3tJpmJN9sGBYfZ727LYUkX_TD0CScRhwnrkpyxg-JY2kNHh0scCJTc=
cAY3Gkn_DgR-PCX9pBr4B1Y9nRQDopUAG71KICsq-2xQDwqcOpaqMwLGwli4Dsgo-ofuKaw~ )=
=0A. Yet if you use an execution-only broker, as the name suggests,=0Ait's =
execution only. They just process your request, so you=0Agenerally don't ha=
ve recourse there (unless they process it=0Awrong).=0ARelated Guides: Cheap=
 or free Wills =0A( https://clicks.moneysavingexpert.com/f/a/1mxlUExm6XfIbT=
U1mCrhLQ~~/AAAHahA~/BtlnudqomM-MpjMLdO5Tfl3uErBC1jDH0U59QqztU8e4ACAtsVsYC74=
1knfcw0s2-6ZeZX_vNmivA28vRFBBA7xErk9JJLBCCrKeAkU4c4_wS_i9-sWv8QAPjWKcdk0dEF=
xpp4mKG3yzgaP5D7MU5OhvbWwzEusA81xl1nZZLBVrdHyfuDre4VSP7xJtVKearJz48N_BPzo73=
B8gxGaasae3qsRnFcKtRF3pfyfCfQScOTCv8EexwKM7K6QH-t5OaUBKktVDXgOprZ7TU5r12QE6=
jvnni7nkA8iASi7gF_15iQyUP7pS_PFEe-n0vC4iwg_rLbugvOK8bHIXeAfxVP5XeGj-QWZViWa=
0cKRpmO6t0-NHE6B7ZhldWWuFUVKVQ0yK1FmVF5ES5Bbtj7lv4aSLWi6p1DkQP0NJda8OLFLlKx=
ckcxvlVnr7kZhADW5f )=0A | A Power of Attorney is often even more important =
than a will=0A=0A( https://clicks.moneysavingexpert.com/f/a/vheytzheH-bLhjb=
zCORTsA~~/AAAHahA~/DTRMTiSN2QYen9JTFYcRQ1r29NNmj69ulixHUVUlqGjA4uEs6W2kbXt6=
b4T-hgt_xM8pih2EPUEZ9vhggyx7wEGTQ6MfC6kNsTk571SAT1LLIX585suXDC5Bzj3_DcVS2to=
XgfymaPYhlSMqIVjOgAB5kK-nHGpSmPMYBYLSL5dFSfEKy8pvmXgqsrytcPeB86fAV2KoLcrYzF=
p9YUQSupsgTAn0kBS2Kh5rsaBXgIdG4gVILNEukjXW-431IhhLkEIHwtIxrzHzhQBYuO9ixmj9G=
TiPkvMH_apHtdpJopIBVBm7j7diLICGlLinm9rw-FwJdesRf05AkdkcSShEeccLHbNA2nefc10E=
sNqKHABPw91101IGowtuEtLa2iZWA13WWhv_7yGdloNgzq60_PJy7RsLObEdfLVasRTHzaaS5lb=
hKfBRJMMBfPkPpfWV )=0A | Who'd look after your children if you died =0A( ht=
tps://clicks.moneysavingexpert.com/f/a/bsgkX9OT_ohURQWBbNNCcg~~/AAAHahA~/vY=
wTQ82zbba3nqBRQFrk3o0p2XFWgpi3smLQDbk-AsdS33LhI00N9qL6Dhd72ELmpYPwIr2Djnu5r=
1ay0eesqPDuvJ99W7YckLB-zWui7mlZuL2B6E7GQtVPuglzQ7oQtzDUDOclmo09TWCMFMuBefCK=
T-o2B0rB1b1O4CHyNQDFpASiFgJKNQjI75ljqOSM9kisJ5PYjfZLFK6JiJLjvw8EMu_OirCzLqY=
bjOrgzAPRRHiwumIV-kexfx-AVoZ6vwICgZMoHqnu1DuuR4zFJcWyIrVgPSXnUud52gMdTYUwXt=
TLNV1Ka6n0okZd_csrk8DvIRI-gMeOYxN5U-epSI15tW_Oy7Bov3OASRK25y2hKebrQNTTNazdZ=
qdDJkYOUj8mp5TxN8pMZD8I3ih8dykHB0OSmVNBDRJ1KLnx8NU_76CcTakgwiDQGxgpuSMA )=
=0A=0A=0ADON'T believe the fake 'Martin Lewis' or=0A'MSE' ads=0ALots of sca=
m ads litter social media and even newspaper websites=0A- some of these lie=
 that we or Martin promote Bitcoin, binary=0Atrading etc. See Fake ads warn=
ing =0A( https://clicks.moneysavingexpert.com/f/a/yc0YN5qhqbOqle1PdAEeHg~~/=
AAAHahA~/mcoVoA4blH1F9ynRpEKgo1yN2wN7q-16vzJssIDRgF8YSBlRuO4bfSyPqdl7boXCkB=
PSLLgonX7ZhJGH0yzFVo0Zj2nESNNPk4i-yUfWKZdERKfuGIThkqkytBmsYGCeNqfbxZENraMHt=
67ybydue3klyhOYWHnL0QOMCL095qO_PDluYZLsSi35bm9B7TnO4zHNPKmQHOhpHxdw6dVV-tJK=
aPwDf3eVU25o2pjFriqUs07ZBw3h1TSqbJdQRMK1vw3cpQGNFZ9hZz1903MkJe2qBvpeOFWwW2a=
KrCRrucp9lKGu97LVPUpoIegF6IAB2HydWcQrWXlKzn-fKJkQ9FI6tcsqsZy97kz1rlprk6PVqI=
naPoKtcl-XTuwwmPtg8tV0XydGb6uz6Wko3i-IPTk802nmUEC3nVP-cCtVCQ1EbqwnW8GN9MSJ2=
bLuBynIqkHrTlXf4A3pgyqHrCxXMA~~ )=0A.=0A=0AIf your flight's delayed or canc=
elled you're=0Aoften entitled to compensation of =C2=A3200+ per person! Kno=
w your=0Arights... =0A( https://clicks.moneysavingexpert.com/f/a/kXTU_BX69q=
HKmjV6-8IWnQ~~/AAAHahA~/POiODKj4rD7AGHLGRXaU4PYja2geJIEfi_5izwXDY5lqoEDL2--=
PbR6zF6unriAAHATNXDNScp_zDkwy7h8JGUMaKHvoiP-4hUlZ9SS7Eu4iD9yvQebZWfGXwh9O30=
eAXkpZsf-x1aXOT3HNuetazqg2D150dqsYBhu9mKaBS900btLLtnIMBA5LmXtlJx31FTG0w2xxX=
DF9Xnm4sNFBSUVe86rQ-xDT2RZtfKbRkF8b4Mm2AL-1R4paKTG3QpEzl3mis1AaXR-IPYx3vp0r=
eQntTu90qRUsUly6bQSqUjOot_nzu1cxx7oOmnOLsgjizcZQ_X6CnEb4gl3Hp8ozosxPCNqGJY7=
jHpyqvI4vAnYEJQbj5HLD6F5HAu344T2nkpuzifR4D-Z-QjsymgwlG9kcK6OuaPjoOQud7jUB-z=
0Snml9CB0pvGBqlHdexN9Y )=0A=0A=0ALilia did: "Read your guide - got =C2=A352=
0 back each after our=0Aflight from Korea was delayed"=0A=0AThe summer geta=
way's in full swing. And while most flights go=0Awithout a hitch, some don'=
t, lumping travellers with the headache=0Aof delays and cancellations. Yet =
many are unaware that if the=0Aairline's at fault, you've a legal right to =
claim between =C2=A3110=0Aand =C2=A3520 in compensation per person. That's =
ON TOP of any refund,=0Aalternative flight or food reimbursement.=0A=0ALili=
a emailed: "Travelling home from South Korea, a plane tyre=0Achange delayed=
 our flight by four hours, so we missed our=0Aconnection in Germany and arr=
ived in London a day later. When we=0Aemailed the airline, it refused compe=
nsation, saying we didn't=0Atake off from an EU country. However, after rea=
ding Martin's=0Awebsite, I pointed out my rights, citing the relevant law. =
It=0Areimbursed us =C2=A3520 each. A huge thank you." Full help=0Ain our fl=
ight delay =0A( https://clicks.moneysavingexpert.com/f/a/guoDDppr9hg9TvtI3U=
Tj5Q~~/AAAHahA~/POiODKj4rD7AGHLGRXaU4PYja2geJIEfi_5izwXDY5lqoEDL2--PbR6zF6u=
nriAAHATNXDNScp_zDkwy7h8JGUMaKHvoiP-4hUlZ9SS7Eu4yuAtB2er_Yxzg-VKgO5pvjGVm3G=
NFJHaHNzg7KeBejbzr52ubSJ7fCLKL40hy6hqnVvzdXVCCzou7rGkxae4TpBOg-zj4YQT3YyAuN=
J3_OyKyfJk0ji4ou_CicC-ai69pZtLyBswFfgzwttgWocEikXNhKrhPH9LrjAkuOkQoVz8cGtaC=
XIHBceG2d37etzPA-Lp5acCqlx5VUngPBCfJKH0xOI9qewGKOHJvoiM3U7LtjT2NafD0IBJ4CXe=
aadyApN4w5ZxvimzuDsN1RzjC3hH2xFNvE_y5Py_WIBDC8qpzrfCiBfVBWxrKgW9VxyhALzj1Zk=
ws6b30pqeF0y5t )=0A & flight cancellation =0A( https://clicks.moneysavingex=
pert.com/f/a/gR8z5oxrgVjP9v62K8_WWg~~/AAAHahA~/yMrwgqyaoF0fnGnHimjisT2C_CVi=
obcyM6rwTxiM0nmM3IzRr47eu6abzULSubWfoOsPL8XAWaOMH5UUxPuidssLVRDASzZim3C0c1h=
ixXD6-z2jJjbNdRo_r_25qziUNZtplbLwUTmVsuZ0JBrvLnFAzd180Vj-KTQmUPSX3Ray5BWBAK=
wD_V9T9NN_qw6BhqjkJXazU5b7GkYQ94pDFX6bu9uYEfATj0uCG-iAoDPUHCM54B2lQc9qPHqof=
F9wCF9d6z2p8fLCGy1bHq-EofrnHmyXbTBFqRe3O2_ZaD9W2i0AhqX0hbwJAwwVyuy_Y1xPZpyr=
hzOUind1mazQ019tWFwCd6j8hAZUuWegybq0WeBTGtQyxU2t3n3HQXPs_ghel9j5CpqLlA3f70T=
vA9gA5PZLP7tnFmnwlOjOBeC1iZikrr5Bc1ldDs97ngD2hD4wmyiO4b9VeBzA7m1KbA~~ )=0A =
guides, but your rights in brief...=0A=0A* The rules apply to any UK or EU =
'regulated' flight. It's=0Aimportant to understand which flights count =0A(=
 https://clicks.moneysavingexpert.com/f/a/0GmD76tCedkdbOjF09WW9g~~/AAAHahA~=
/6BOZ9KvC6PV51vpFSB51fLegkEMSsk4BrBeEc3Ul20v7FoaEjCziGkgIHAuaSvGMFNVHMeu7m4=
8IcUj4KctX88c_OEdskTC4UNKM-sn0A2eB9CuOaGEYDoozDNMuzLFQQZietl6coensvuETSneVD=
NhuFmWs0GWhGmLIoVLjzIOAuupiCOAknLIfFnpv1bAsbKdqNyEG9VKIh2nuhEQbWUUReocPqxz7=
gPxRUkAD9-YR0hW2JzHe0iBT3jBwwjkHJ49fluKHYz2Mnk0Ogx-BGL-EN8jBa4o7mOnBEdHanUj=
06J8BRKXxs84xTLoaSwIdw2dKqRNJbQSBF4roqVrAV-bPvrMZLOBZRpcVQjXnDUdKAlHWGhYKYh=
njGcDrHcdyKsua0A28Fkif3K9YE2U_WVn-8ruAgcSwC53093SrtNuKmrIBHWE3RJfML-Axnb4mn=
xtHTkkzv9u5ZuV69YTSFg~~ )=0A. Two definitions:=0A=0Aa) Any flight leaving a=
 UK/EU airport (regardless of airline)=0Ab) Flights arriving at a UK or EU =
airport, provided it's a UK or=0AEU airline=0A=0AAn example helps... from L=
ondon to New York, you're always=0Acovered as its leaving a UK/EU airport. =
Yet while you're covered=0Aif you fly from New York to London on, say, KLM =
(Dutch airline),=0Ayou're not covered on American Airlines, as its not a UK=
/EU=0Aairline. In which case, the protection would depend on US rules -=0Af=
or this, see our not on a UK/EU flight =0A( https://clicks.moneysavingexper=
t.com/f/a/hOAjFU_8aM2pVwlWb-kGVg~~/AAAHahA~/LXYZ8ZRiyVs--tKjya7sMeo-GGtn8En=
5Fn4FXJDPvYTRwNFUBjkSdERsXXZk6Dieas_lcBBCXQtfC0viO5efYkjMbqyROl4kc9wVIcSe2b=
1Cl3cs8kx4oy-P64OBEl07_18hxjrcV9IJKsdmKNlEj64Oj5v1K5dfv9QEGkZPZLY08DWm-Ba3K=
RvZ8NeOGSFKckJr0-GqAnEfO84gJOBuMQKoDuTq942FRKZp90AQE-ICqghxB23Txh91j3KqtMQD=
eCRFW5-v3-80UKQ2Hp74_GeguODFi7tpbU8Z0DR8DfMyRiHt1g7UU9v_pBdz10ngvXPTnke94qF=
hdiMkQZM8qWKPB2vQbS0FScbO950xw5lZBAheTTGU3a3mAhnW3rQNDkW_21o6Q05CLngo5e1Jj6=
TJHdYAIaLPIleWywZtP3sGAi4N0x13FlL2I_kpE6lDf2vZNgfihCoCU689_5AQ4Q~~ )=0Ahelp=
.=0A=0A* This isn't just for recent flights, you can go back six years=0A(=
five in Scotland). Most people do this straight after an=0Aeligible delay. =
But if you've historic delays, you may be able to=0Aclaim for those too.=0A=
=0A* For DELAY compensation, the flight must have arrived over three=0Ahour=
s late. When you took off is irrelevant - what counts is when=0Athe doors o=
pen on arrival - here's how you check delay lengths =0A( https://clicks.mon=
eysavingexpert.com/f/a/E0nwa8C-DNv9EyhNtOuf3w~~/AAAHahA~/LXYZ8ZRiyVs--tKjya=
7sMeo-GGtn8En5Fn4FXJDPvYTRwNFUBjkSdERsXXZk6Dieas_lcBBCXQtfC0viO5efYkjMbqyRO=
l4kc9wVIcSe2b06f_3XlGOUGhfggbK7FiBhy33XBexPaipqCk4PAzmgE-M8aEHnK-j2CwObb5i3=
ryeDRbgWo79zFwXlb0MjyjqdOBwYb0w9dc0WSxM4eMp-RXv7ylRcWHJxlAKUlxxOwGzAj-xshw0=
tnh66zuVKdW5otb5O092MawyfDkbcd7Wc_X42u3GPUzntei7qQ7NPBkJBgdfZ0SpjCXuzNtHqXC=
doPv1YoH-BkYJVqG1Yq9KMMIRK_RwybaC6JKgZTKivy_jxQrVunPxO8EPiF__eFutPuokhWCtIX=
kgy1CjaGUgsiT_hb05Nn840b5gIQVbvz_7E0fAma5ckiDZsSQDp1OTXSLJFe5kqcK6jIBHEqKiT=
RA~~ )=0A. Compensation amounts are between =C2=A3220 and =C2=A3520 dependi=
ng on=0Athe length of both the flight and the delay =0A( https://clicks.mon=
eysavingexpert.com/f/a/oTl1Qb8i3egKDHL_twHCzA~~/AAAHahA~/i-IfHxZuay3KnYuadz=
9VjWVq5-t29RGV0WaVte8a-ffd8dRx704plpS3z8Tcxx4P3qxm12aLC20lUie8MINH598io7U18=
drc54eHx33XJRKTPPvKOZF_Xw_XinAChNnDE1WFNSYHl2dQmizoCfQVGkVinv7mPBYIEHELvkQx=
0KAKmQu0eHpoXKhVlDH1E-to8H02HsZsxA4uDuuHEOpddseoPyQbvOoKEX3VL0ad3VBTq3hcsMq=
_Re4e-NC5Kbh8kAkY9mtoQODj5NMIG8BlRg4tMDT_0wL4eKrDnn47YlhEVZD4sc1BqufHC-0wi6=
0xp0X9kpv1ZZQPLhud5jyI5YAyJ5RIOuVu2oEp78-3qk15UYUaGvgfU1XOxaMwJrf6ukLjeIU9c=
2Y--WCwWROF5ZoTNoJRIF8IDxgdFcHCzFN2tdJjVd4PiwxrUP85LamKgiC7UFypfb5CAsEcbSnC=
nA~~ )=0A (lower for shorter, higher for longer).=0A=0A* An image of two fl=
ight tickets. The first says "Cancelled" and=0Ahas a red cross covering the=
 details, which state it was to take=0Aoff at 10.05 from LHR (Heathrow) and=
 land at 15.55 at MIA=0A(Miami). The second ticket shows the replacement fl=
ight taking=0Aoff from 15.10 at LHR and landing at 21.05 at MIA. There's te=
xt=0Aat the bottom saying "Land 4+ hours later=3F You could be due=0A=C2=A3=
520". The image links to MSE's flight cancellations guide =0A( https://clic=
ks.moneysavingexpert.com/f/a/yTLrXZfwfhAew7VGBjvZWA~~/AAAHahA~/yMrwgqyaoF0f=
nGnHimjisT2C_CViobcyM6rwTxiM0nmM3IzRr47eu6abzULSubWfoOsPL8XAWaOMH5UUxPuidss=
LVRDASzZim3C0c1hixXBplFg6Y0iJfXX8Rvg3L0SH18Dpb5Glvb7XwqPjLQxJv48IeccfNUE_8s=
hrADm949gd7Rv-nalnPBxeixev4gTzWdIaWTDBNOOw-lYokNTJ5QP53r7Lvg9CuPRYYgm1dGFfj=
aOfzZN5DdKCxtnMYwins4O26QNwgtdlOtchfg7z2eF63b18H1BELZl7LDyxHrskc0o9XQy158Xy=
4Eb9_PwRjDevPI2ixgEcdyorJ8TktD2ZiddsDX5qUfiiuIdpr-FzIhoM76VjF44Owa8KeY_sX0B=
K_Xp394ZXru1k-o4u09xB5LW57iGenK7bQVHDQscIed56_tAeSsSXGFGB66YgDAZf3kPg1bR_KB=
8dPTR9Qg~~ )=0AFor CANCELLATION, the compensation is all about when you wer=
e=0Atold your flight was cancelled AND how late or early the=0Aalternative =
flight was. You're always entitled to a choice of=0Aa refund or alternative=
 flight =0A( https://clicks.moneysavingexpert.com/f/a/Txfm4bUuAC5omaGDQxTLx=
Q~~/AAAHahA~/X93c64WR4c9OBMnUndgep6YHr8xzyi2WKhzhRxAQ7bYJfB4BbBdur5qYGI4dPb=
LshpDNcbphlJnK1piV8cFpgXFtfpR88UdBfM2UMOkKy_sotgux_3pXPHZqO3yzRavo0akMCdSmH=
ZWcd0zKDcRc4GF14nu5syjBw5Rlxe2NDZvdEauq3RwC_TEoECTV6EUqJtjpPhohXUcPfmTZjz1l=
v0FGc6z3c6bYFIZfBboRqU_uGBn3xBiyLsY6GlZZ5q5gsZaMZ5HwE-N09vIYvKOWea6ptKmGZ7u=
OEePmTuDBS6qpZebAa7pLeiQ4_z6OEPmVxJ18ezcu-vBFFHF32Dpax_4WMJOED7SBDaOOddP5CT=
4bowxMnDaKbQwXeCIh391Wjhma2wG8vJLD8A6blkinStTxosVlzaLOl7bzrJiUufL1KsiQO9vSv=
CKSvvmpCU9WWuf8eaciiWKIVPEroxearA~~ )=0A if an airline cancels a flight, re=
gardless of why or when it=0Awas cancelled or whose fault it was.=0A=0AComp=
ensation of between =C2=A3110 and =C2=A3520 may be due on top if the=0Acanc=
ellation was within two weeks of your departure and the=0Aalternative fligh=
t offered takes off earlier or later than the=0Aoriginal (how much earlier =
or later matters, as it partly=0Adetermines the amount of cancellation comp=
ensation you get =0A( https://clicks.moneysavingexpert.com/f/a/3pnnzQwNfPWo=
QrvLquQ8OQ~~/AAAHahA~/tCKbWeklwYN48Jjm1yl461W5lmnESTjiLX_fAM8nAK74x_SiSHWZR=
JQrEBnSw898CyjDK_eIMcX93mcjCgCo6ZUINuvMv4qrr_-JskJTzyoMK4n3m3g1PKL05SOgR6rF=
Gd378h5eZSG7yDSxOn61s08IIIzA95CRXb8tawQcTxCwP0-E35LaB7yH26KBT08sJKugJoxZUhD=
VBwcPl16WhxntIrZGpC3xsZTPRR28IOt3i75-f-lu4mXZKLry_He6XAaB1V-LB9jfO1ceBijKr5=
6q0mecnHDl461Mpwm3IiG60EfVVH-8piSfF2gt8_mE_q0DIZO1L7Pu7IEa7BxyYqo-yBmNBzTFh=
jsSBCaBxarnGRjVxhRKxzYdmrkLoxY-bR5QQr5VrDQAJooEMH6Iv-DFKORQuQ--xorm4bbc5UtF=
o1Gr7D6JpZ5WpVzAGfGMfYGh7mcHpb1JpYzthkGiUw~~ )=0A - flight distance also ha=
s an effect). Even if you chose a=0Arefund and not an alternative flight, c=
ompensation is still based=0Aon the time of the alternative flight offered.=
=0A=0A*  Whether it was a delay or cancellation, you're ONLY due=0Acompensa=
tion if it was the airline's fault. Many issues are=0Adefined as the airlin=
e's fault - for example, staff shortages=0A(including due to illness), or k=
nock-on issues due to the prior=0Aflight(s) being delayed. But 'extraordina=
ry circumstances' such=0Aas extreme weather, or problems directly caused by=
 3rd parties,=0Aeg, the airport or air traffic control, don't count. See wh=
at=0Acounts as the airline's fault =0A( https://clicks.moneysavingexpert.co=
m/f/a/35tbGpwHrv-gIAzkYB0QsA~~/AAAHahA~/X93c64WR4c9OBMnUndgep6YHr8xzyi2WKhz=
hRxAQ7bYJfB4BbBdur5qYGI4dPbLs2IcY1WzmAUHjBGJ-84Q6NjJ3OswxDmyci_orFo4COCU9Ho=
r2HUoQsYiKOR4ZRi98Y5aXtghJZFFeA9lcR02a2Pol0xJtvqMy9FdrPYZuyUPGJ4kkClvlP496e=
_Wx3J-1DfF-CgX_mAHEqRF8paCxT8wEJxMt5ilKwXpfsVbsgORNhzZOGlUOXjq6DrEsk3a-vywb=
PPH6sV6n3MYI4woEQhJZojPVjaTRrdHroEI6S5vkUQCwDcA89GYJmj9tSr2f2bVslLu9dYbudbd=
ikPiOslKu3A2qCShVy9OHUea0rWJNCqEhBkzARlA8hzU9aR855Ed6BDnoYkHv4s-GKxEdcQzdjw=
S9mf5VKFtesJ8VjBvbXtTYrGxVTr3Fl2ZzDNRg3paleqjS8JMkukagGgHInw~~ )=0A.=0A=0A*=
 Use the FREE online tool to help draft your complaint - DON'T=0Apay to cla=
im. The flight delay =0A( https://clicks.moneysavingexpert.com/f/a/bbe-swbJ=
LBWlKsj17l_WkA~~/AAAHahA~/yMrwgqyaoF0fnGnHimjisT2C_CViobcyM6rwTxiM0nmM3IzRr=
47eu6abzULSubWfG_u2sXTklcZwsEy11Utz9jxVcQnWUmAm0R0B57rTCaB45Mu92Kh43vjhqevX=
vNrikTW015jvySRvyScjbEjfZvbQBSu3KCeZXo8sf9Ir6ZGANlNBIfVZ2L1bFrIkDlHiIf1gaaj=
-Z0cBxsCQtpy9fphmHZltZvMHQpa2T-sRF3aN8RxXRlEQYmfZa4wMy4FDhpIO2j_a-u91BIfWnK=
KWwdKxUgXeJDc4-VFn6f02uMjjXJpPFV-DR2aWUnj07OhMRwWicKBDoxuUxztxxEdJUeuHiehRd=
b9rfaM2WJKagpFvapar4wQlR5b6u0n8BkL8MjIaLIGg29-rT3_8rUMMSmR7K5UCZeq4c9h3JcD1=
QeuHYYB2ItiYsAJQcQwD_uxG_OP4UYVNc2wWInG4JFOmKA~~ )=0Aand flight cancellatio=
n =0A( https://clicks.moneysavingexpert.com/f/a/KzRIw6qtRMnPpp--yJdZpg~~/AA=
AHahA~/X93c64WR4c9OBMnUndgep6YHr8xzyi2WKhzhRxAQ7bYJfB4BbBdur5qYGI4dPbLshpDN=
cbphlJnK1piV8cFpgXFtfpR88UdBfM2UMOkKy_v0DXsxeq0DskKtH2Na1D1CAqytQB67c-4wsiG=
tRbSfukZs6UWKPoMTsaJ9OS5V-yG9PmHrMVKFM_E1Qy9f1UsDoQzMe7UVd8nWrAT2tViwrWa-DF=
qkp1On8GTT3AFaTBLf87gje683-UHLSVrJsioR2RQlu77Bqom2sbfCejIAjuDuB5eTFTaXMoO20=
Iby8wn66TJod9eAk54HbpbX7d3f-6Esi9mCYJNUe4_Kvz8z2qMtYfeS9GsQuWWTi4fGXQiTzpft=
_l8dBaTnDw7-NVcZAlaRGNQavnt6mDYNiGRyECptKU0F7jScCitjiL3px5cSzrRmVd9eR8_d5H6=
hsaRCctrSu2UtTcxnXKekc6f1dA~~ )=0Areclaim tools draft your complaint and re=
mind you to escalate it=0Ato the relevant resolution scheme if rejected - a=
nd as it's=0Atotally free, you keep ALL the compensation. Though if it gets=
=0Atricky, there's no-win, no-fee help available =0A( https://clicks.moneys=
avingexpert.com/f/a/VLSpjLByxHnJ7F5sh4y06g~~/AAAHahA~/tCKbWeklwYN48Jjm1yl46=
1W5lmnESTjiLX_fAM8nAK74x_SiSHWZRJQrEBnSw898QqJLNHZINOXCAM0nTCrqp2oq0KaP0UHo=
y4Mx3f3wwgMkXrENPE1tkkjjnfYDpXNAo_O5nYGuCMaDWbv3g2X3OPOAiPjyOpzZYH2itW7lPuR=
oTxjkxeFXyU6zzy6ca1DjJsKAnQaqyDK7DdzoIBZvgrKzGNNJTHt4DZAKnc41kOZN75VH6e1tt8=
Gp2CssjkalFQzAv-kkHaUZgzWLMTX1DTsVCEFcjhj0U0tXisWqJGNomPuLz2poImoS--pK7hYSI=
dDSqRf_AnLNUNROA8BF1HLB2f69WCbFWXtRbnE6cgKDobbqUvt15QS-M4yeW9snVrA6BGsKQuOb=
3VbzUQ5-uM9TWfXSugualuXJunndE3suMzBM-GaNQf5wH44fvYVwzbSr4d0E7b0lkaC9cG2T3w~=
~ )=0Aas a last resort.=0A=0AShould I always claim if I'm eligible=3F=0AIt'=
s up to you, but if the flight cost =C2=A320, is it fair to claim=0Aback =
=C2=A3100s=3F See Martin's legal vs moral concerns =0A( https://clicks.mone=
ysavingexpert.com/f/a/v4L0YtifyjGlE1S9AHyNOw~~/AAAHahA~/yMrwgqyaoF0fnGnHimj=
isT2C_CViobcyM6rwTxiM0nmM3IzRr47eu6abzULSubWfG_u2sXTklcZwsEy11Utz9jxVcQnWUm=
Am0R0B57rTCaDtSNppGwyCfkEz-cdFbYV_fvzYChZxcUOw1utjfgt6btCMhSDEPf0Ipdg-8tupK=
JylRIGKsi5LsohMOGFfnp1-g0D6W9T1cKjF-UkcNP2T9Ws9rnBYHMmd0IHfDJIl8Z2TlSNTvoln=
RWsFvr-ptllct36hNjFD0KFyWNkpEFiP56wyzsIM8u7MfPplz3fO2hYrJ9FsBGRwD-0fMuxAMvH=
PmBOq7iwFsmVqIxRFxMxNejEnPLMVlP8euHsoNWe_jwUPdhR_y6sSfpOe86T67cOCjdUkeA0Uq0=
3ZxDtf3Id15facX5D0vftCUzjcUzyvr2hc340m4dg_mi_1ws-KhiD_tnBoG6BR35nfnjImjj2CV=
A~~ )=0A for help.=0A=0A* If you're significantly delayed at the airport be=
cause of the=0Aairline, it should pay you for food & drink. And, if necessa=
ry,=0Aovernight accommodation. In most cases this'll mean you pay and=0Aget=
 reimbursed - so keep receipts. See rights if delayed at the=0Aairport =0A(=
 https://clicks.moneysavingexpert.com/f/a/viiQtDdxMNxLY3ENJEcv1A~~/AAAHahA~=
/UF2RABMuxd8NgM5UCBWuaBzVFBZGkXePu6NuX8CV1sLMh9a_YzKArdfc42H_mKvCSJYlVJRrtB=
W7jcCBcfZNVNYLnyT3ILUiJXOual5vvxmNUQ2Yae94IlBhJjxY0AJ9DCDcj3Vv6TStSYw04Gwyc=
UAD3D8QuivcIBqg5PPqsIRv24kxxdb542-g5uverzUuvf6t9qzZxjFtwF1QGhAgvxIopa2Cm88-=
WhpMRZPjYOm9HYZhhyCp2AAtTj3EKYOU-YmT4zj13szToQz01KPQLD2x57YhxTQ79HwYy9SBO48=
lL0L2SEbaKxO1dE4Gt2nOYlBsnPtXUJTN8HOw8fAYLs6jlHlejpoH14iTxx7GqR1522CiCkOHxB=
XrLw4NqEpoy8zHidk6lhEQYrHcaFqfk7URZowmGD02Uqio40ywpxXAQM5QOII6rRCL59Y0MwwR =
)=0A.=0APS Missed a flight because of queues for the EU's new entry/exit=0A=
system=3F That's not the airline's fault, so the rules above don't=0Aapply,=
 and travel insurance is unlikely to cover it. It's scant=0Aconsolation, bu=
t you can claim back air passenger duty =0A( https://clicks.moneysavingexpe=
rt.com/f/a/jC7S1W834oeM2qxasY1RMg~~/AAAHahA~/e1iknU4_Ly4OF7L3m1JDS-KdsFR-hY=
zLMZ0OACNCYPxVrGWlEx8--mDRcl9xZ9eIPkebmeRZMV2UIJGk5kWCYhacd-_iHxH2n0wgpPEb4=
m6ZRpWoDuHIsGhX7s1c_StK-ruLRJhPN1AP2eJ04_bylsgzzOVfHJlZGE5s0CQx4Qq9iepWdxce=
aaTEGMVgokpZmFlZBp2TtRdYuhykio5I-7yFb0qMqB7R50XJRqIEbIM2DZwRk_3pPAnLS15OpTa=
r1LHEND4YCITmWxI5cO-i0alK1wFr0A9M7WGmCaRLyovAfXn82s4VaKQBMsXy8NRFQhmK4AaFi_=
17Lt54dTpiUeesfYVFzChYX9POre5WOJsEZVKpdfkXf7kDRHl6fzXpQhLt77r4JpKOuaTrbBI2R=
xSLgB5nBaDgI3NMEv-Yr2Z9Ssqbc2cVHepVYS60JX8laxIK8snq70rOIO34w2vdRrw1byDrEiey=
Jl_aCZCPJzR1mCwQW-9PGr5g-CHrzSEk )=0A.=0A=0AMartin 1min video: =0A( https:/=
/clicks.moneysavingexpert.com/f/a/2Vs9zCs_qA30oD31-V3vIQ~~/AAAHahA~/qMJMHE_=
5Kl8U7T2b627-sMTAt6C1wLnPW3sfT0pCjDWKhCC27YslTlH-ACfB0IVzEcvJ62LB0sPKD_JLR-=
UiwlJYS7Qj4teMk9uAMzIuPjurKzUBMLkoxlQeitkcFchmHXonlLfUp896ngyTnISnJXzCqPAir=
r7x8RlRQ550lhI~ )=0A"Three numbers you need know to protect yourself from s=
cams!" =0A( https://clicks.moneysavingexpert.com/f/a/mw34E4LwYkhLpuXfgS9fcg=
~~/AAAHahA~/qMJMHE_5Kl8U7T2b627-sMTAt6C1wLnPW3sfT0pCjDWKhCC27YslTlH-ACfB0IV=
zQy0LDRju8lmnQxRwin6P1Au3zZiNpdaa9ZJ8puqWb6A_0yDom15FlC6OYtw1hVuT3_lZQBZMOx=
iGn0vgmkFibXK5seVvHbcJatMV8bHtUDc~ ) Pls=0Aspread word.=0A=0AEnds 2pm Fri. =
FREE =C2=A3225 to switch to top bills or joint bills=0Acurrent account. =0A=
( https://clicks.moneysavingexpert.com/f/a/A0XciooWy3u-Jh5KjjlsHQ~~/AAAHahA=
~/3igdRr3ck37CfQYLxyQElJEVaLnSIj5xMzvvq8ggQ9_HYS7MBeZ5Sgz65jqcnFcwDLPhAN1W1=
GmWVj_bG5JUM0TSYWJxDZ2jEYLoucUlK0YozmusiO7CpBaqEiO7RphmdBCycj9ttB6F5yE7X3uh=
MfJv72FLJ_D8TPnoKJerQbV3WCS2rXqTUVLuZ2ORPpV37GIttwNNqBkSggR95Ou52Uq2ZfpsQfb=
T-9IbwxLgRb5eCA85pvl_WZMHdXnZ5EDLoBpHL0g-gLa6AW-J-S3M2R66kqO_mbmCQcdTEGaIv1=
VCAbBJlPC9Pk-pQHuM-UV5nCYYrbBSu-I6zLmV0YlvTgy5s9jIb8y2n2ekx2qwx9_oi_0VCfRr5=
roudoO-gCdyJ_awEk0ZTxAXSBLicgIVUXM0KyAGqaTijnCa711xNA7SwlaHTloYNTiTAlYXKAfn=
OVKOHBuMCMIISubGZqy6okoGCy28LPw6mYP9Il0aW34~ )=0A Right now, via this speci=
fic link, Santander Edge* =0A( https://clicks.moneysavingexpert.com/f/a/OSw=
wVj33rZz-I-doNiEkXg~~/AAAHahA~/DQfu8iyJXMRd3VnKr8EY0RECBkpKh1MXQQmBsG0SnQS4=
4L6AsR5JYDLN4yzsfuI2kJRRjLg9oKHUtRxjo2gfc4VqamYgVI0JjWD2XotqY1wOrT9ohgLE20T=
kH5RWJTykMne_9L3RDvZuGOBSbOKbxAiGlZ8olxaKBB_rrV_xl02pPCO_b3oVV6FKPhZleIVXRv=
rzRf9zL6wSQgFH7Q7ZSOvciFa1Z8kPzIcLLsKyTl1vwHSyriy4frEOFubi-2mRRDaj8HBgV-Rf3=
P6hGoPTM1GA4IRl-JDNwZsZ67IanmkMadpRbeKOX3X12pB_lq-xuMvaS2zT-L8r4S5qi9vWV8Re=
qz3nanGY8dbJsMXJwkHT18UodC_7bqZyndfnWagDfmSyUO2lemR3_-IVpuKrsRLWlD0vOMcHcyi=
BfS2k4vQ~ )=0A newbies switching to it get the normal =C2=A3180 cash plus a=
 =C2=A345=0AAmazon voucher. It's the top account for bills, as while you pa=
y=0Aa =C2=A33/mth fee, it gives 1% cashback on household bills paid by=0ADi=
rect Debit - council tax, energy, water, broadband, mobiles etc=0A(max =C2=
=A310/mth) - putting most homes easily in profit. If you open=0Ait, you can=
 also open its linked 6% easy-access saver for up to=0A=C2=A34,000, and reg=
ular saver paying 8% on up to =C2=A3200/mth. For full=0Areview & eligibilit=
y info, plus details of other top switchers=0Aaccounts, see top free-cash b=
ank account =0A( https://clicks.moneysavingexpert.com/f/a/2XwnFtVgiInMPS6Tc=
MMWDA~~/AAAHahA~/LXYZ8ZRiyVs--tKjya7sMeo-GGtn8En5Fn4FXJDPvYSNyp8OI5bfp2pCDi=
D7e8I8mNnmPY_xrT37ukkM7I7WN0pNJYoaMK0-EYDLpNF5IeuZ9-v8hGQqE6yX8qsS86KZGB8-a=
Cg4FaN0A7VoffQGRloUCAwD2ewVgmv9djoDaU_10WRboopYpGcwf1M7VXiVkRgHHTwxXMECor2U=
3lnaTidad9D56V-hgkf53x6UBn8a_vCmVMM-Uk-UPZOoicrBPOroky1KK4ntRjfLmJzZv2zPCjv=
VdY5-xx0Y-TELYj7_VG2FRkxyDJUFu6gMGFtiWzd87dQxSKT3iHMJSL0VM6G-CV5vZmuA33AGyi=
Fg8Fz6CjrPa3iU8xzqTgNAonRZHCjlttYQfw7R2lilaj6qDb2iofx9oAPPJBIlC473zBEum-WLs=
4B0pt_46-JiUBi20J6ArsfIB_eP1Lzpe7w7fA~~ )=0A.=0A=0ANews. =0A( https://click=
s.moneysavingexpert.com/f/a/zt39PKszILNMW3WMYpyZhg~~/AAAHahA~/tCKbWeklwYN48=
Jjm1yl461W5lmnESTjiLX_fAM8nAK74x_SiSHWZRJQrEBnSw898ejO4Y38fjhQKzHK_RgF0hrQZ=
21LN-8ggzb4adbkoblMePeK0SQiZ9J8a4DadSVKE07qhp4hsIjKlFD1ZYM345T0FZcrUq7lLfl7=
QvUMnVx-wQJ5epIhPgwV1TFlSrEC1s8dEgZXkWypPRZCcNi6oqRMLp6J4ZX7ikmsx64cMXl2R78=
rqKBsCSWXrHZEN7AaPhbH2UAwVfH-BB8jnNAUI-3fZMCP2i2KSSReTooe-p-tW5m1pehQiVKEJI=
CNyR-QKvpSGeHSc_oof7fAPCXJ-UTHTJY-KedZ4WRvJgY_qSdJXJh9imV-LljQetfQWzzsuKQHZ=
dycCSAvx0-Cus7RZ2EIjp_BlHAhAjkIDJJX5evHS5qgwOdR4A0IrMZWInvvYBZcfBfA8op1JR6G=
7MDfm5Q~~ )=0AHigh Court mostly backs car makers in diesel emissions claim =
-=0Awhat happens next=3F =0A( https://clicks.moneysavingexpert.com/f/a/X0p7=
6SnIEcJGr-e73YOubA~~/AAAHahA~/tCKbWeklwYN48Jjm1yl461W5lmnESTjiLX_fAM8nAK74x=
_SiSHWZRJQrEBnSw898ejO4Y38fjhQKzHK_RgF0hrQZ21LN-8ggzb4adbkoblPAD1oatyuY4sLi=
fhHZcnwuHnMQIQZL-IcsvCqGxcZcUvzT5Z3sBQVUEi3S6kujGP_8wY7xW1HJ8NKUlz9pZSiXSWE=
9iTcw9DhUjuoW6Y4oRODYoOJXWRxEeTlVvwDsaC8JG9j6OUMz90vC14MgG5-KllebjqjI1X95AH=
lEXTtJlBQDcEz-6fcNVEYiNXPRkBdRa3B9LBdrlSNQzpQBRMm2xdYzhoL3I4PvI2RqQB2F9zHNP=
lAtIAV3_SN5b7aaiv87qLqZgZPabBc9vvh331AMeQ9_9o_m8mkwBGCqHGz4zZHa3lWggWma4b69=
qM8wPRWUOd5nhtd4H3RFTGjQpkIQaFy7zog_otJw89qhpf2K2g~~ )=0AIt's a setback but=
 it's not over... Diesel claims update =0A( https://clicks.moneysavingexper=
t.com/f/a/6jPKNMpDPovHjfb6K3F_JA~~/AAAHahA~/tCKbWeklwYN48Jjm1yl461W5lmnESTj=
iLX_fAM8nAK74x_SiSHWZRJQrEBnSw898ejO4Y38fjhQKzHK_RgF0hrQZ21LN-8ggzb4adbkobl=
OAdIfqjapmIBYAMU5r0Lia4wak7iORub4f0LR2PXm00Zjtp_hVe87DUk0-s0AaLhKxxd3rb9DyG=
EWn72TAmVDaEFFGgoNEfUdakS0oaRvWoe0QlGq0f7GzRZC4tyjRWBlkh5vdGaNbY0gl3xfzMVFO=
qDQpPNP-_9qj4U7zBDE2TbleHGRdZuTUjSNa0pcbMhKYCG4_OzKoUeh0g7yoBcvOEP86KJUixCs=
sTYSQATMRUeo-o5NPhO41So_qPgmdY72qD7K3qXo4x_EhTNY6JLsJrh-5XGMitxfIzkcQlM13xH=
JySlps2REedvaqXwhn-HyfSxjbJpJh5dMBfFwtUYQ4XEAQ7vCShqW7M5V7NK47-w~~ )=0A.=0A=
=0AThe top balance transfer just got cheaper - shift debt to 0%=0Ainterest =
for 36mths. =0A( https://clicks.moneysavingexpert.com/f/a/DzmpMXG1zfj6ZFDLZ=
vWZbA~~/AAAHahA~/3igdRr3ck37CfQYLxyQElJEVaLnSIj5xMzvvq8ggQ98FHMGYBX6VsLDG4o=
vlKI0k8p9DWB5gH07bF2LH7LJJiGk8AXkZn4xWCQfUwd_DVsSI463Dpgv2C3ACfljp7BeNifHX5=
WbU30lQWdiLiGgJ_nM41ATX9DQXCCxED7WcE_ei22M7Z12hS3Bs2qMw39xYN2y5MWThjnBMF4Ez=
ULOVtM1YgzUYL6vJ2PyI_nax-qctkTcjaf4dXsJWybIKNY1QloHXk5_SW3DDFfESV1K_sCkAvsJ=
V1q24HSpgC4R6munOCygK74haRKEgo_KAs2FRWgf5vYElpGhuUxKOzUSNKImyAMA6zij5jVeuu1=
DpJYQ0WJb9Yv61Zn1RggWFocIuXteiN_LBn_QTLf4eR67l6urF_TQlXUYeX0zOQ08AdxPHDBHVz=
heNKiGSh89NA--O_BYe_B12FzoXMSSu_g-5TmfGf8LbiibSjO3DzecvMwI~ )=0A A balance =
transfer is where you get a new credit card that pays=0Aoff your existing c=
ards, so you owe the new card - but at 0%=0Ainterest. A reminder that the t=
op card from HSBC =0A( https://clicks.moneysavingexpert.com/f/a/DIrDl33qq7Y=
V1eUMk77v5w~~/AAAHahA~/IP4HvkF-0UdUSjYYMxokNjiQG5X1nb7cWiat3ojKY7Dj0TyeNI4L=
IRxW1g7N074g3v2F7F8I-qy5t6cCxfGYxld6054Fki6jDCdG3QEDpxhvVo0ghjhULwBpQUlbTjP=
Gn5etfil42p8kfJPBZFEBIFs4eJzYgIC45baN_m31AC3-HiNRtSF5EAsepKagOVkDWVtaXCKmGh=
lQdQ0YXLc6RVKumCpOLnSTgbKM_pgWiSqhnJM3g2jsMNZAoZxUpmREGm6iF3iWnPe7eEungaTJL=
Flldi7lpL8U8GSTVNNhjgLNmTa6KnED3sMn3qCsmqkshl7UrBW58WTN9A_zUMBf4DoxA51siOq-=
3zqlhhzsd8PMkUVQFWh8nm8IXdrPtgucPdTUgruqp7wQ47WIYhJ_lw6vPYR5bBGY1wMynRURRxr=
Cpq2tSGuAMYYXzXRYe3qovTTsSRGqSqLiBj822qjmxqo09Ihoi5LnbC9XiuPc2QHymD-rwiWRZ4=
PNeHzhb5nQsZdJ5LlMz_0GmObQzncESE5Vl7daBlqyE2PXJ0UnPyI~ )=0A (existing custo=
mers use this link =0A( https://clicks.moneysavingexpert.com/f/a/x4UpTMMsvq=
ppPleCQrY3BQ~~/AAAHahA~/s9U_PJjHk1UzYl1D6RZlXZIkUBYqd66m3nQUd6LyA_IXtoZPeLe=
AJRDAYsfwiVXNhIZksLNCH1P6kRFKtoBoeyGrSBacDh1WRr8tMb2Qzm5CoR_k1Uh96BTmKIBdYb=
eO8DpO0RaSiIwq847Wq-8VCHDDd5ywxMkiv0Mt44ARt8kt6KyJ65TCCRdTkZN_QHAQtspWwWxp6=
pq0aBEaHjx4IpHr9fy7XZpfLZT4sD1iodquqh9HgPbyU1tP3QSAtH9t7-OTbQRO1YMg8fmnAvmw=
9CEgt8UmpvK8zdO15y4AilQs2rYRhdvqX_ZeGooq78yusDi7xTJSZOagqwrM8pxn2uPEuCIeMi2=
298SuokT6V7q1esw8PjqmgSwJm9JNi3tSZ4HcYd73uL4uqesTFszxPc97ZYYlvdTzccAjPTiIOJ=
N7ryaCf_LQK8P3RFgLiFrq63q3MxajcWeajRm-hck_AJQam-dbv0u_dKuZs04WypcBwEbmgmWdH=
AUnSEOFe1kAneklFk_SCGcKT69zdPM6yaJaeN0cRbQWs-L1LVxT7Gw~ )=0A) gives a defin=
ite 3yrs 0%, now for a lower 3.09% one-off fee.=0APlus, transfer over =C2=
=A3500 and you get =C2=A325 cashback, effectively=0Areducing the fee. Golde=
n rules: Repay at least the monthly=0Aminimum & clear the card before the 0=
% ends, or it jumps to 24.9%=0Arep APR interest. Full info & more options i=
n Top balance=0Atransfers =0A( https://clicks.moneysavingexpert.com/f/a/l8a=
M_n8ASzattxoPaQMa5A~~/AAAHahA~/zRZNEA3-P3iQ1DkAA0Apd1xcoY-BZOPmE5sjWi3BMYRR=
ORKEMYXtTaLWbdwNrivDJbA-_r8OYMpH3H4Y4T_LE4-c6-qSW-PKLfxqBO_6YEPThAcOjf7MdgV=
ut1AjI2Zr0mGsGq94_E4f2ZAb_z7mZ9qkDiL_TkfyN0El_hv2it2cK2Sr9ZjLPEG6ThpC8sKdTU=
SYPr4cNlrk7OhIRAIysZ7gqUIMOsVb-lw9leTbYR5mgLeKZifFkhxdBMk-dkFpvf7eLuSMJVcmC=
ALSilDluFrTBmEuqJb8yhHGBQw9hMgx2OqylWq_XulWHrCQ84IOn3uASngR7pRJClBt1rPF0sE1=
yk08Wc9voDD0hFK2Soovrw4tnugiqKMt3fqZMgx_2Q9ndd7EybfwP7pQndgTutINl3Xs8H9rgJL=
fO__Yu_xYo91jx6z7sjYh0fRX17WqqRaSlv-FQRlEGOTRXxYWdCB8usHvOLzKFExGLR9T4SQ~ )=
=0A.=0A=0ACivil Service Pension scandal - deadline missed, 1,000s still=0Aw=
aiting for payments. =0A( https://clicks.moneysavingexpert.com/f/a/neoW79CQ=
SfAOP7JxAuwA-g~~/AAAHahA~/3igdRr3ck37CfQYLxyQElJEVaLnSIj5xMzvvq8ggQ9_YUjxKL=
yi-q11LAxquPVDtB5qVu0KyMMVhskrTHK8pzsRrCyCtgPHGO4P6TIPvs_MyS-zxtkjPjB89Ewrl=
vvK_pBleiKcDVNCroYS1iV2OZjON_bLq7hQYOfCzDCWUGTCncV3_ZB6dvOCK1NaFCHnAnJByULD=
cuIhoEfqiEDaP9ghkgYoZfzMHYidiprwLwZ43PA6MxnHF_MjdwlbrzrKxzAmNrfaXCZ_23X4KNb=
jbdKXZxBkNCeGmPRy3A00_OAk2rEH8f8_1dX2_uXPd2bN7geAEzY1gQ98oawNwzK7RZfrHRb6aQ=
dbfqU0X3IJ-f0esQmpr9U8oAbJKJbGEzrxhu2uWsu18WpcYP2AQEnGSf4bkLNK_54tNydGnX9CW=
phh0kj2d5lq8SRP5soxpc-nwEPWU5h3kHNrp1YtiwCN630KTDDAbd3MocovVSicyZBk~ )=0A S=
ee the latest Civil Service Pensions news =0A( https://clicks.moneysavingex=
pert.com/f/a/FSVLOEBHb5eODy0k1wVyLg~~/AAAHahA~/3igdRr3ck37CfQYLxyQElJEVaLnS=
Ij5xMzvvq8ggQ9_YUjxKLyi-q11LAxquPVDtB5qVu0KyMMVhskrTHK8pzsRrCyCtgPHGO4P6TIP=
vs_MyS-zxtkjPjB89EwrlvvK_xdCUmcWGemTZVWwQ5SVf9asuGqcFLevioxL8dmQWSfOIt6vUbk=
4c4OiqMzzRg89gsXylwjfPQpKmWfgZEnPMELFTmUtNn2TloY9NuPowYPvTo7n4ZJFhJzAOy-TdR=
TdT8C4UwwNI93t1iz7Z_tFxwO-Roa9RTamGrB_SRJsjIXooQIdbZOCUPRgr53or8jXXHlIWwUoq=
6H31fezECtkDcjtqNx1UiEWvi7FlxyusuCUD11pkYLKpAFPtzMPgdgjkWhSO5B9G6-gV3eNQ7nf=
veE-bjjW839xE6zGA13xbwgKtrcdxWiFo7aC8jmPCo4qbfwBiyDHG2YyeDsPxKZo4Q82iH-MX3x=
-WkepCIuLWLAY~ )=0A.=0A=0ANew MSE Pick Me an Energy Tariff tool. =0A( https=
://clicks.moneysavingexpert.com/f/a/iJArOlEWhEu1mstMxccM4Q~~/AAAHahA~/RP-g3=
jNOX_D93gfNTH4QX8br1OrY0c-CKYfps0-ctFwC59OrD3QVNL252msuW_5w8n7WhJo_l_C5rBPr=
uD3ydquT7COjPjV-B9Kg181YyvyIGSABHPR4Rzz8NENOOlYBk9cPnZXiil8--UMSxQo5MH06gcS=
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5PzBlRqRdSFusUpkWW03TuZafDz9R1zHLepNij0-p_2pzaPmrFw-iRDgLYvDy0OmhaVPuqqIH8u=
w_NgPXihaeyV0QO1tB67BQs-qzTQjRUxG2i1SPCRfX4UrSzv9GG2WgeOWCocl_gghO9MR8WpoFw=
IwTfvW7MCFhrTxxDtlPwgMmyl7twyLTrOYjg~ )=0A As fixed tariffs get a tad cheap=
er too. If you get analysis=0Aparalysis when you compare energy tariffs and=
 struggle choosing=0Abetween a long list of similar-looking deals, then our=
 Cheap=0AEnergy Club's Pick Me a Tariff tool =0A( https://clicks.moneysavin=
gexpert.com/f/a/Ry66RbSnWlpgnxpsWoO19Q~~/AAAHahA~/RP-g3jNOX_D93gfNTH4QX8br1=
OrY0c-CKYfps0-ctFwC59OrD3QVNL252msuW_5w8n7WhJo_l_C5rBPruD3ydquT7COjPjV-B9Kg=
181YyvwiJe4atAxS_1lMu2uFEgpLP4xoVqJ8UJoZrdOxnPqsNqe33g4jR0h0eUFiiX0Q11fbUwo=
v3pmHAGto4q0vretZNqMiAW5ktYJG6RVgp5Lt8dscT4lpQUzfHu1hpWHFBD2ihHF2R4UAYPW0B1=
zTNDycB7r91m7M7uDONlBZMF7pktouFOQVlz0Rf7AWU3UOPEeo4MSfvDlnQxWvCbJ_izwfpf9AI=
lZp3eIfvjMI3467Jy1qomLoCgM1ZFbjfrRD4REmaBBAL2ksAScifk4Hm-oeUEppd09T0u4oBV32=
s5hNyLev1TAt2AD9RARCRbJMTtT1RkVSQpt4FNwTOTL6CenYYyktrtTqUcFR3CXnUQYD1UAco17=
2T677riNSeBwG2K4~ )=0A, (re)launched last week, should help. Quickly tell i=
t what's=0Amost important to you (price, a fixed deal, a name you know, etc=
)=0Aand it will find your closest match. And switchable prices have=0Agot a=
 little better in the last few days too (though still aren't=0Agreat). Of c=
ourse, if you prefer, you can still do a full=0Acomparison =0A( https://cli=
cks.moneysavingexpert.com/f/a/xhAil4g59rkQLDb-CL2rBw~~/AAAHahA~/DTRMTiSN2QY=
en9JTFYcRQ1r29NNmj69ulixHUVUlqGgtMjT68xmFR5J_e30n_GplTZlndIchIj2_4eEsiTPAUj=
WeFlvL1iQZWz_jS-nx1IFX14PCe_0g89PFCMhGGcWb4lXFviguYuJ0ps11YscYY8TL4Kug1Y5-4=
MOufg23vEiK18IgIw6X0_e772rnK-0rVUV2urUhMeVwgg6CmsWHicxvTDfPELHB8IRkV1FUxfsY=
fK4Pb6qrNd45nuZVgD7K3pnrHwQTMAFYsw6B8mUQrgguhGU8u4HPswP0q3lfb6ufMgtLBUBTTLy=
3wl5gDnFd3NFD7eHJDEEaYs6Z70yPDmBvv2wFFdjaWLLlghS9F0TmG2nyXUKLNiRn7JUR9x6_HF=
uhaQRdWTSIR4YdFcoBXifJ1h7X9buG9M75Gag1-4PH4aIk6uCPBg3oeSluw-qB )=0A.=0A=0A=
=C2=A390 K=C3=A4rcher window vac for =C2=A345 with code. =0A( https://click=
s.moneysavingexpert.com/f/a/N4Le91yBbuyfx1Zx343ROA~~/AAAHahA~/yMrwgqyaoF0fn=
GnHimjisT2C_CViobcyM6rwTxiM0nkVj-yFNYnq91GfpGVY5pc5i28e5mQqICLPwQxhn8dhRrHR=
Nkfhp-9h03XPahCOMreAGlali0zjrt_1mrbx8w3mCb2OhNj8o6VIn1SlG6-0Yccud9gsmaGHIVD=
IRMYZPJno83QSSjgV1f2OFXOzhQtzffTEIu_iEYXLnw5-vhkqmkvqT5n4YOok9F5NIdqiWg2hVj=
wPVOv1Ubur978NMTUPA2Y4lcif3kfHqvqW0gPen3BzXYgPsoX-qcozcxaXRTv6PeQFugCXYXwEM=
reJV2H4swc_YBJncu_03fA6TFxkH8RElVbnd_oYhIw_QxAfoKP0fggGp0OgRkfTo__Yho4aND5Z=
ieaQo5IZze8X-dZIzrGqisZaK3SNbzhutRGN7E4aNR958sNYQLIVIQS6vL_DKa_Z-d-fj8XZG_v=
qSc5TAg~~ )=0A MSE Blagged. Cheapest we've ever seen it. 6,000 available.=
=0AK=C3=A4rcher =0A( https://clicks.moneysavingexpert.com/f/a/oHIOkivhyLEdO=
D4LZf7VIQ~~/AAAHahA~/yMrwgqyaoF0fnGnHimjisT2C_CViobcyM6rwTxiM0nkVj-yFNYnq91=
GfpGVY5pc5Q8FTmZuQeEVJZXMVi90zHoexoGz5Bbta_4N1L6olbolRiuE2JPHuMaaL4Qt2SSC_v=
t4oxg-JBtV1tUxJu3Gx741lEiJeL3X9RQbq727YfxTLo4fRdlgEkRcjqPifuj95IF7jclmZqQzd=
RcVr52W5djhiQJa_m0eAUxBLXn4ggeM2M1z6v3r3uLzzpPII-pcQ6BoxSiDgnX2JASotkZUpqmL=
SnZB_xhfYKmCVz4CxFMgvtjlw290ifRRjl_cUblQcmMypUM1edwuw7XP6C_IAV9t1p6d4fGG-kg=
Zqj0DeNJ-KQWg3lpMiej1BQnZwB4mIlrDLJQJvOAXvyt8qa5up-uWNvNAm6DBJ95StNOe0HdzOo=
p_NQ_VlIAKBg8QoLoAwp2t3mUxNhvop0eD6fs4_3Q~~ )=0A=0A=0AMartin: Have you or s=
omeone you love struggled with mental=0Ahealth AND money=3F =0A( https://cl=
icks.moneysavingexpert.com/f/a/7B2oiFWIeZ94U0_6ZNThpg~~/AAAHahA~/3_MC7suTIn=
NJz4GLWz4llz8PnPWRIMy7cUy1HYRgPmG9FL-j8O6J-d9HBaaDdeI-xWojEZzhH5OKwsFEoeCkC=
3rmPAeYIhUeMY-MKcZq7xMaPh8kc4A6gtmFGr-dxZ5q3eS5z6Yg_nxpSD5mc0Ajx01fqSx61tTP=
Gu-w6gOShjY~ )=0A My Money & Mental Health Policy Institute (MMHPI =0A( htt=
ps://clicks.moneysavingexpert.com/f/a/_JBksJGn_gw2Wf90elswWQ~~/AAAHahA~/pEh=
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_P1kRRklEgZYAvHLNuSM9pAA4aGE4DKh2Bnysc7n9tsE-39zHtclFGwb2MIS2jTnk1L_aaiA~~ =
)) charity=0Ais 10 years old this week. Watch this video showing exactly wh=
at=0Ait does =0A( https://clicks.moneysavingexpert.com/f/a/mQdZ8zEjo5DHwEPG=
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wIVJ4ePNdJ-6vwQJEpusQHzKPgMYF_ov5MisTNg5eT5K_dFI_bNeyASohNn18tX0fRdk9gMDGUt=
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changes laws and business=0Abehaviour, and how people are helped. But none =
of that can happen=0Awithout people with lived experience sharing feedback,=
 so pls=0Ajoin MMHPI's Community =0A( https://clicks.moneysavingexpert.com/=
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YRgPmG9FL-j8O6J-d9HBaaDdeI-UQD6MHSZs-vr9y2BXC9GKdakC_eBWlsm63herJbwswOMQAcg=
GwTsBXHXDsFIrk2wZ5ZwPWKB6HzXhEDYD8QSg5G4R5zlSWcWE-ILTasd5Xs~ )=0A.=0A=0AExt=
ra 40% off code on New Balance sale items, eg, =C2=A350 leggings=0A=C2=A315=
. =0A( https://clicks.moneysavingexpert.com/f/a/2RJ3FeO4GLYd8TiD1mbqBw~~/A=
AAHahA~/LXYZ8ZRiyVs--tKjya7sMeo-GGtn8En5Fn4FXJDPvYRVxN7woyorc6dAGzI6uHy4CVp=
ccIHbYDR3gPQhjdH91Yo34IOiPKK8QyjfnRk-aa4PapCgfuvwWBiQXm2AKiO-8ezqktr2HvOUB-=
JGNxf_tkNZs7WP1A5Z6gW1WWaWkEhMKi1xbT20JIOpZmN7ak3WEu3sjm1sb_pmQsqqVMu0PG_o3=
uwCDhgKPmPXGJGa7GUxapAduCNopdPFFMvPGogw9pH8mL78Vp8Vwb4KJrhz7A7PFyOcsdfkxe47=
3dUdv_xm13Vrn4waUVEcPdOao8vgkBVBU29eja3N00yt9_rBB5RcK64Jngb3S93DRg52PTVLI17=
KPEmJVJLK9zM9NZXpynkayxk6F8NmQNq1ksIzcF1NZooHlDJ20UjQLqKnA79XsRewrzEMs35MqL=
bT6fLFzxv6_QkCqBRJx9wAUto6jA~~ )=0A Till Sun. New Balance code =0A( https:/=
/clicks.moneysavingexpert.com/f/a/rLoW1A5QddFIJFp5utZWGw~~/AAAHahA~/LXYZ8ZR=
iyVs--tKjya7sMeo-GGtn8En5Fn4FXJDPvYRVxN7woyorc6dAGzI6uHy4CVpccIHbYDR3gPQhjd=
H91b0DbiAmPz1F2vG7mXWLjw9sdX0pJ_Hv16svmDtmVTGp1ozKI64UXFfXlpdUc3VVZiRj7g_1j=
GP5Uxa4Obkb8YdIJS__4ukzqEziJvoLVgx9Ez1mV3WXwV6dPhpMASQBouUUR9IBnfEuV5R42HB1=
X6TaoAHCeJPiBZouX_P85IB0gceGMDFp4U2aowxli5xDaByrURLHlpWIF1x4Y7iDipyyUSTNG8N=
xcod9c5gABr8FOm8CoLO9DSTa0sDBnJ6PHHj4kE-FsQUeWGPkd5hmw5sBu76SCQj0mncMbtgRMe=
uqXhKHEEhpqf7H3VeS7zOTRmiFD90eB_cV2ARoJyGS0LBzmWxc0lrrDvYpXzzTHY_TyKNnTIUH6=
2KE8augjjc6UA~~ )=0A=0A=0AWarning. "Please spread word - we're being forced=
 to close and=0Amove =C2=A31,000s from our kid's Junior ISA because we didn=
't know=0Athey had a Child Trust Fund!" =0A( https://clicks.moneysavingexpe=
rt.com/f/a/sY7JL2cDgVbURCW3uWWJOA~~/AAAHahA~/ScrTeBbO5sU6Bk0KFVV5fOwFy57eqQ=
EQBWa410OQQyFajYGKItLTqOCSOMxKUkQtZ5FDmlyVngrfqsA4YR2E18thJWx_QBqi3rLpHzPCz=
7X5tFAMULN7_uoxhBKxcRvKImw97f52yS76kVVhQfjO_Sn1eVFp9BRYQn42U1su7lv30Q1LeqaS=
3MIpNXsUain-cJZU0KXJrnUi1-Zeb16MoKExjfisZ98C1CiUTihqbEM3bWRdCzuaGmflQrInyIC=
66Wf-aDQDw-Vp_h9BJmdLPxbGgCCVZvn813d9PV1H6HLMxR4vmJt6dGDgGI85VYNU-rbPRRZMSx=
V9AmPMc5L6TDAzL0BufPweuS9UBSucoKT9dqmYyEKzDZ-gSJEvjJsPZEJaF4Wg-KAbomX0pTdMl=
SPOAKcVZzDgGWT0blQCMRluA0Y7MT0Lp_gxOp-15bJhmMaJoXPM_4xkp1aSaEP8VVoKTC2Y5dp6=
Va7q7Qp-tJA~ )=0A Around 1.7 million Child Trust Funds accounts were set up=
=0Aautomatically, meaning it's easy to double up. A salient warning=0Afrom =
one MoneySaver who thought he was doing the right thing=0Ainvesting for his=
 child in an ISA. See Check before you JISA! =0A( https://clicks.moneysavin=
gexpert.com/f/a/wUP0j-bUtPp4cAmDtctG1A~~/AAAHahA~/ScrTeBbO5sU6Bk0KFVV5fOwFy=
57eqQEQBWa410OQQyFajYGKItLTqOCSOMxKUkQtZ5FDmlyVngrfqsA4YR2E18thJWx_QBqi3rLp=
HzPCz7X5tFAMULN7_uoxhBKxcRvK4Rb4bEcGRGvdY_FZ28NlBEXLqrb89ZalNALfaKem7LqSiVk=
Wa4smJNn4D0Dj0pan1nXQsyWsqh-3l7BoKQgo-SWvhgJKqNKQOIWDHc2HF6g4G3CXOaXhFjDJJl=
HgWTvWWlKKDaZakZSk723-ZvIgth3fcSHCIoxZkiqQsrOXRQw7oLqq8vxxlm4ymT_L6DpdYHxGY=
-KsMf3eOu8EkpisE4wVnWCc4jEisZbogqprod8OfCu6jk3E8p51p_gzVjaBpEfi09ic_gMqLg1G=
8H-iGSPm-v-BdHX4M6PkigVXjonFKfUa77sQi96xDz0kMGFY0oTz-Z-Wmd2n9MJxzwu1DVUhnHw=
6AeLZ3mWWjx2NO14~ )=0A.=0A=0A'My wife left me with =C2=A327,000 worth of de=
bt. Thanks to Martin's=0Aadvice, I'm now debt free.' =0A( https://clicks.mo=
neysavingexpert.com/f/a/B4u9ncz8Z5XdbRe9W3W0Aw~~/AAAHahA~/i0eAXCM18azCaeOE1=
zZku-E4XJ3c9I0T-UP-c_sqqmpmqBQaALOlD2MBwiTY2kWktTjdfTn0QpirRUNp45pRLx2qSY08=
DSEQGuHMOjTPd1DswqTaDzvv3frTOTTwj9wMwt06JJOVwkI5WG_pVxp-oUpFZiuDgHbEX0lajul=
iXEziUsjQS5y46w2GEllTMSXgmFvxl14cmIlQboUjav003sma2dXEbKr2BmbH8EBag6oGAh8IRh=
IVtFVSuxtMKg5PbBO1t-X-EllSawKJ3iPgAvSaSjgasW8o_TwkFZDcmtNaNw6JynRRt_eW9yGPW=
WElr-swhAcn6JnfoBBRFItUZGDp8xnF1lYZNMRXzBCRP0OqD86pUurVvUerMCvZeYtw7h5rKJyL=
qXBkaogrxO6VckvPV2g6S89Ms0ynZJwbasNu8R6yDLCvMF8PnPq_2DQo )=0A Success of th=
e week. An inspirational story from Dave, who=0Aemailed after watching Mart=
in's show and reading our Debt help=0Aguide =0A( https://clicks.moneysaving=
expert.com/f/a/Nl3xS7y5W8gGuYuDMDSV7Q~~/AAAHahA~/i0eAXCM18azCaeOE1zZku-E4XJ=
3c9I0T-UP-c_sqqmpmqBQaALOlD2MBwiTY2kWktTjdfTn0QpirRUNp45pRLwr176wPO97UbBdVe=
q_noeC0RwcSeDZDHgkp93-z6jqMMD6_QahJAgNMtbHBkO-UIuPhvtOwQ2yH-Vu5kUt1rBq3X1AI=
pLNvl5Z75rVNZ95r0tqCqfvgkiPLaA0IHVUU96VERrmk24u9Aq53Yw-HBlEevoVdkk2GxCJeYxA=
kXO5kpmeD1A_gjWLCp3NOZilxjRW0cKU7ROrSGxJQwyZqKvj2wO2rQDILqxHV8f9mK8YT1HTRRp=
Mwm4ygHefCLLn3_Kv-OiPuPRQr4tk9G0fcxeGfnnhVUbjsAB-cWpICHoS430FHecBol6P9o-CQF=
6jbDpyPb64_Va6z1Oaj9z0GWmX4T3R5rkza9tY82qnDP6wZ )=0A: "I would just like to=
 say a big thank you to Martin for advice=0Ahe gave on a programme six year=
s ago about debt. My wife left me=0Ain 2020 with =C2=A327,000 worth of debt=
 and a mortgage deficit of=0A=C2=A322,000. I didn't know where to turn. Mar=
tin mentioned StepChange=0Aand everything he said about it was true - I had=
 my best night of=0Asleep for a long time. Due to his advice, I engaged wit=
h=0AStepChange and after six years I am now DEBT FREE. Once again,=0AMartin=
, thank you." If we've helped you save or reclaim (on=0Aanything), please t=
ell us about it (=0Asuccesses@moneysavingexpert.com ).=0A=0AAn image of the=
 logo of The Martin Lewis Podcast. The link=0Atakes you through to an MSE p=
age listing all Martin's pods. =0A( https://clicks.moneysavingexpert.com/f/=
a/Xg0mIIkW_nfUD32bmorCPw~~/AAAHahA~/r11CVzJSZCeAbBhOaQvfagExvblEJKZtjwJ0aAG=
12vrVsNNgjoSgseNQmRvQcs7Rx5yo9xqhat-Gpqr2vXPPPzDleKF933ztYZQBiyG4Vvh-wULrIP=
Gapiu_N0Xm-Yaa77E-jPrLAwbHflG87_EBmvfS9L-DBP-O_tI8PPexeua1dq-mYRz7MDduYNATz=
NhnWAMN2VO5BfA4bh1V1ScDRVsy8BpPW5dxymMn9t_jLI2tzlZ_AdBAUldg8oELZkTig0VU8xIb=
VIQyONGDdR_Gp7D82wcaAOZbvLuVKqTnJAVk7hz92ZNjMYiFCK2bxhyc2iiBWVvryfWuQGXCBBy=
cbghQLdnPlqrIiNql0DFxRSeF7lNYzSESR2hDF3X80Kg6-MBwSwSIBj0m2Kq0snfi2S4phLbdxT=
3SoFE-S55NfJyb-0bwi_D4cRuZY7r7W8gKea8ZyKXe3DJmbbQi4AH2yxGTvf5kNc9nCIDcCwTvn=
E0~ )=0ACan AI improve your finances=3F =0A( https://clicks.moneysavingexpe=
rt.com/f/a/yXfZAVsGLNLfJ8TN1oHs-w~~/AAAHahA~/r11CVzJSZCeAbBhOaQvfagExvblEJK=
ZtjwJ0aAG12vrVsNNgjoSgseNQmRvQcs7Rx5yo9xqhat-Gpqr2vXPPPzDleKF933ztYZQBiyG4V=
vio4X545J9wSF0x3B9k6nlWOJEsvlwOhA7eOe1ZSKaU-NpxA1S1Agp2kE37N9_7NpQeiZ0RIdqm=
RXqG8h5RdZ9FpxMuo_BXCFMObLFwIH7K4rBRlM06eENMBEWw3Mtz6FDsFh19fskmIEd9a0r9Wec=
G1K9O7M-Eorih_9Z1aM-mp_1LeaPFdMiGgjdfU9TcESdBcz7_bkr7t7yokMBBh3g6qAf-kni9zT=
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 )=0A"I saved nearly =C2=A3400 using your online tool - thank you!" =0A( ht=
tps://clicks.moneysavingexpert.com/f/a/oFGLCafH6vjD41kd3zADag~~/AAAHahA~/N_=
3XoltK_gws0XKSbngcSz2Ki_DsUzOfmrapzRGM1MpkmK2_p7ypgDRDpXOSZSdNEDqtHY3s-bKoo=
-K1Xmi3U2YYpfQq06JdzYRQu_-Oe072Q9I4mUQ49GVVmdrrvriManR8GnNrSR4zmLP51of-I-I2=
n4nGHh-9m6Q0pPF7tJFcUFoMUOi1t9Lb99j6gylq5d-sZRUHgcBYoYmx2PsapBPk6f8eZpDWzjr=
TTKz7VTLWyr8IXATdbEln608e4QAMBttaLM2tI2qLkaYTxHSrWrPYnMVt-hoRmOwZDUtwQL3DnW=
_g2SUfKII8fCgCtUVskGQvm-g-upQ3EPX2w_-Vgf1jjXvn7C-vs3Sa4d6_JX7K76FvE26nyLLIA=
UATq9rNmtPGYwQoA7u42LwaL4NnHcOk-C3yKK1VirYJTey3C9Q~ )=0A=0A=0AIt's not look=
ing great for home insurance prices. The data=0Ashows it's starting to get =
costlier each month - and though=0Aoverall prices are still down 7% on this=
 time last year,=0Aaccording to Defaqto, just a couple of months ago it was=
 10%.=0AIt's important to understand that when your renewal comes, the=0Asa=
me price as last year isn't a good price - you're potentially=0Apaying more=
 than you should. So it's worth five minutes of your=0Atime to see if you c=
an lock in a low price using our Compare+=0AHome Insurance =0A( https://cli=
cks.moneysavingexpert.com/f/a/tA_MQ1unXDw7vi03uj1_MA~~/AAAHahA~/N_3XoltK_gw=
s0XKSbngcSz2Ki_DsUzOfmrapzRGM1MpkmK2_p7ypgDRDpXOSZSdNBKb0W5NtybAD14wj-mY-kI=
hX8OGEtSXxJJat4ky1TX3Kcr6shI5WSPKDIxVDBixhmM-VLBYkeB2ndRmJFNqNOPF-E0BWRweU5=
pGcI1h6TXMdIRwMGPgQSgbZFhTP6UV0f935yzdhUH1uGaQs2nq3AORhb9GPrwYLrD5-v_LdDxJY=
56rYfBCae2lzDAAJdOh-zrEpVkJwKUH6CJxdvjVcVzUOOi791sYpswsTbrIooi_F19wWM6uqxPk=
MXuSk1xfGAF_J47DrySGp4-IawJk8Fr6tfEY6Qm6jkhJY48NWP5DSVp3XcNC_FqjNsi58uUFEaW=
b0jQmPgCClKWdZ2fhGWSYd8IX8s_xK1jmz4fjJ_Qk~ )=0A tool. This also applies eve=
n if you're not at renewal.=0A=0AAs Henry emailed last month: "I have just =
saved nearly =C2=A3400 on=0Amy home & contents insurance using your online =
tool. Down from=0A=C2=A3682 with the company I've been loyal to for far too=
 many years,=0Ato =C2=A3287 from an alternative. Many thanks."=0A=0AThe sit=
uation's similar in car insurance:=0ATry the Compare+ Car Insurance =0A( ht=
tps://clicks.moneysavingexpert.com/f/a/qsK0JzmVg72wwDh-v3YzPw~~/AAAHahA~/N_=
3XoltK_gws0XKSbngcSz2Ki_DsUzOfmrapzRGM1MpkmK2_p7ypgDRDpXOSZSdNrkYHkuQYAlfRj=
UH0u07Az0C6bOPw6GbiDTu17-Og9VD_d77x8XFy3bglAoc_nsCnR-yXjCwkf5sBA8Rvz6_EXgNQ=
77YuvP68ygGIW-kVugIwuRaL7s8EsomTMulHOsrynRpEt3p7Q0c4XbiIEr3kilvGZiBrUPHa8Sg=
oYFWIIX7Hkjyw0e_Q94UkQcIQ7Gn-40fPGjHDPpqDSWPiBrQq8EH0kQRNGfZXyxa0hpa6Hr9Wtd=
1Ur_VTPcxiB2auFABb1XUDMhjcvu6z6gC7n9_PDw4R2_TB5eqzJVNfd2sGeyPRAVS-bOqSXxqXp=
rMf_iIkY4k87m_hS3C_y_L4IW7mBtbMo5eUXsSifM7s6Hm0NMo~ )=0A tool (or read more=
 on this in our 7 April newsletter =0A( https://clicks.moneysavingexpert.co=
m/f/a/LgqbSZsSo3NWEr7v4s3JgA~~/AAAHahA~/i-IfHxZuay3KnYuadz9VjWVq5-t29RGV0Wa=
Vte8a-fehdT_ZA3nwebDbUBc7B3kP7m2APdpHxdnXj7v2c2BY6992GxC5hV_sucs7SeEL9g0X5m=
-CxPjf2rZL4bdnD0d4YkNZWsAWUvBS3jOvftRQI3YXe9sXTemJlqg65AdJJpvVugWE0o0Hm3jGI=
lyFo3z_it9EvB9NDTZfTVzKArnfUraaStFCohle-pgCumVgCe6p1JVFG_3q5Xwzk82BB2KH3t6G=
IgxR8RmBDglQXxI1ZOfMfta91rHOI8XoIM-97AS6aVZmJ-NM5P7-ClOJVAmvtg9BjrzlIPC3j6u=
9WU7q1iHhIsnhZepXBlUM7SAsZ_j9OcPbTErZ1s4hY0e73FaKCgp-VJmYu89SXqxyoWySElXmXq=
R-u09ICtQ4sW-NpXtgL8tb7yqFGGpArcoV1_wwBcxvtclWZW_mW2DsAke7Dg~~ )=0A.)=0A1. =
The easy way to do all our tricks is by filling in one=0Aquestionnaire... W=
e know getting quotes isn't always fun (until=0Ayou spot the savings possib=
le), which is why we've shifted from a=0Ahuge guide full of tricks to cut c=
osts and automated them into=0Aour Compare+ Home Insurance tool =0A( https:=
//clicks.moneysavingexpert.com/f/a/ZiadXE-hXXYd5c1aKMxQbw~~/AAAHahA~/N_3Xol=
tK_gws0XKSbngcSz2Ki_DsUzOfmrapzRGM1MpkmK2_p7ypgDRDpXOSZSdN1NvElf1t09X850o-P=
1CQBUU6fOjd9yvPhvgkNgZ6T6wfPKlcsdsUIZOfAQoZYBG6Farn3nd-nHjUGnerpPTOZHVhh3un=
Gs34rk_Px14HTcAHFp4JlG-05Ig-jMxNLYGLpHnm7i4CEe4hIk8o0bY_Thv17PegF7M_SLG6Cb1=
HazRvtleUlW3N5eXGz-IVeHaIbrrCk2h2Z86Xd-u31EHqcZqmj8MBD7rCcGxvrX-PdvLGueG-qp=
yq--9UC1QN5RnHDZVpV9pXbZBlUETLXjLv9mYD9wYgwr3ImjflAbqhtvHi8yZQT1CuVXbaiAFZ-=
btmQVTyBhbVj9jI_56yfS_9obzwCmhwAeb7X1w7LyH9Svw~ )=0A. With it, you just fil=
l in the question set (we borrow=0AMoneySupermarket's - we're part of the s=
ame group, so if you've=0Aused that before, your answers auto-fill). It'll =
then...=0A=0A- Give you a benchmark quote using the cheapest deal from=0AMo=
neySupermarket's comparison.=0A- Tell you which questions really affect cos=
ts with our unique=0APrice Impact Indicators (and highlight any cost-cuttin=
g changes=0Ayou can make).=0A- Show you which other comparisons to add in, =
and in what order.=0A- Take you through whether you're getting your quotes =
at the=0Abest time.=0A- Give personalised tips - about the excess level, th=
e best way=0Ato pay, if you should combine it with car insurance & more.=0A=
=0AAn image showing a home upside down with home contents falling=0Aout. Th=
e text around the image reads "If you turned your home=0Aupside down, every=
thing that would stay is usually covered by=0Abuildings insurance, everythi=
ng that would fall is usually=0Acovered by contents insurance." The image l=
inks to MSE's home=0Ainsurance guide, specifically to a section about valui=
ng your=0Acontents. =0A( https://clicks.moneysavingexpert.com/f/a/FxaxTrdyR=
iDW3olWMe82EA~~/AAAHahA~/lX6xbdVUJqrKqHDwbbB5ygdz0zAOtywvZHZx8MOKXT7tdp--9W=
pBrlFRStpzto75dqR6WMVPtNLb0XyuM7YYZPcPSSjsbFjH5PNbOCZKyVfEjvrZDliSi7LJz5E6z=
Xj_FF7fKEW7TlyVfXaEkO-BCMsMImznUG4AeHPTWaa5ttCYXJegqYRXfjjHceDWR_ov-LVdyjH8=
PcZkbORCkqpFrmRJ2WtpCZsYCsg1XekC_fmvNhxJzO9-6yR1sJXnXmdQZ8K-o7DX7Mm6LTF2Kid=
jtkuSjg9P8FQ861Ci61ho7ra4cZGNBmE2BnT_9R4kn4cjsWAXRY7pRKnOF-yZxeTot9PYe8JEdv=
lJhaRZVds8U5CJN01F6CGUebk8WPDBTPARlZSKc_Wfk4CdJcwTuvkFlOduOgDRFloqp_GhpFn0D=
VgqhjL_GKgX2gSsl9PcWnnbD8FoITrflWFyDE-dgdwBMpEBJT-PA3kLrOOf3JzlNn4~ )=0A2. =
Are you sure you're covering the right things=3FEveryone -=0Aincluding rent=
ers - should consider contents insurance, but=0Abuildings insurance is usua=
lly only for freehold homeowners=0A(otherwise it's typically the management=
 company's or landlord's=0Aresponsibility - check your lease if you're not =
sure).=0A=0A- Contents insurance: Beware UNDERinsuring. Many underinsure,=
=0Athinking: "I'd never claim for everything"... but insure only=0Ahalf you=
r contents' value, then claim for, say, a TV, and you may=0Aonly get half t=
he TV's worth once the insurer assesses whether=0Athe cover was accurate. U=
se a contents calculator =0A( https://clicks.moneysavingexpert.com/f/a/AZo9=
N8LJiOP-lPXsU7dWZg~~/AAAHahA~/ScrTeBbO5sU6Bk0KFVV5fOwFy57eqQEQBWa410OQQyGrn=
h1HrKRIgQNGhgmdHJsdonNWGg48gyICZxNIRdDuYyOf-CkOFyWNKLpQUh32v0kK1bMaVvoKbyQh=
vwHzYLlMMfuv4yQe5XrkFgIzKDAedE2hbNb79QrxXcx-STVtTsC6UrP4Ssp137vWyFOYaUXsSbK=
w0TiFlqQrWieFop14sFfjgO_hvG3uZsTwh9d_tZlwSWXFj3rWtfDaxQLhaA8tVMMIn6nbpqTQiv=
kdi4Aa3JLDdTwjk7XRS1FuZPnQBE4ch11vZ-QQ5BgvIONd_34Uror9w8-01VUZrMB3mrUWb6c0I=
_hFTZWacMOgh9s-pA5VTScEVeOAkXuLck1Q-o937c31pYc_slDNK0fpM5RBu_abgfgIKB0xB-50=
tXJnLPdPzYTa_l2-28nMHKWv4D7fNo0FkIbqZyaEe_UVWM5vUgz-4qvY0bDyJr4c-xgjjxk~ )=
=0A.=0A=0A- Buildings insurance: Beware OVERinsuring. Many wrongly insure=
=0Afor their home's market value, but what counts is how much it'd=0Acost t=
o rebuild if it was knocked or burnt down. Use a rebuild=0Acost calculator =
=0A( https://clicks.moneysavingexpert.com/f/a/96mHclxRnzIJs00wwUAYug~~/AAAH=
ahA~/3clDYFb5_nYDZeVfSlJLtCCpShBq1bVQAaGo9r8oQ_fh5r3gxraZqGNZHNmgpbX38CyVLa=
7GKXc2gCuvydm5fmLFUIXVnatzNfqPA4T2orj62ryqkisKqfW8RI7PKa-VM6ys_8lG3_VpTZRkQ=
1EY4yB0GyYXyQE6UcEbUIakH4SwTYMcOL5g0IjEBEMqhaIfZKVAPw83gYeT1ewO2cBWPAzdw06E=
FV229raGOB536pOxvlA81aK6D8r1L2jG9Eo-fV3qzsCaCrJTPX0rAKiBO63dwmmudB6Ko3pUuVK=
H_inAk9vrVSO2Do_VAaRZ1jBwgY0w7Tjrgba1ve024PUUvE5BtbFnlEwPfXj33K3tgGsp5sfbu2=
5ww5Sz-SKCsg8Od1MXZG4QrkUWd7fFE0qnbY-SClxm6amSdPPIhkRbty13IwvRbJ2xMp3VGDc61=
dOrl-OU5bkVETsavWMch3s3ChuQSrVx_wwHACLl69sqtE0~ )=0A to find out.=0A=0A3. N=
ot at renewal=3F It's still worth a check. If prices do climb,=0Agetting a =
new policy now means you benefit from locking in=0Atoday's lower prices for=
 a year. This is only worth doing if you=0Ahaven't claimed and can find a m=
aterially cheaper price than you=0Acurrently pay. It's worth a few minutes =
on Compare+ =0A( https://clicks.moneysavingexpert.com/f/a/7Wcz2eiAWaPbFQecK=
j8Gvw~~/AAAHahA~/KETQcW5ubmWC9oK6aAJe11xdqsKHphMZH9Dy510DxJYUYQGjaV-tLnDh58=
fNx2qQaM8BttOIl1uiRAHKptX8EdJEj-ej2NOEJZj8t4ogCC5sxOr3zh_Jbw5AgTnFxBrJGaUqT=
FTbNaEYvXOQiNb838GpHgK09PQv1DBYY5A0qXmxfghqz4NFdxHC4i157eP9R2buEth8hNyVDIXq=
k5Fak0fA7NJL5y7GFz-4SVnDFwIX0BfzfAQ766b38__2-KddZFL0YfJ7b5VF1RXdL1PFVfwA2WY=
IKIb24FEJXVh4uZY7vx6U5h4VdxMk7B0LSJoQqmu04O6Tc7wyYPiFCjGi7yI0wXlYe4RevAeMJs=
KaDRIodqnt5-yl9OmsgtoiGVr7fZZYc4vH_7vya-e16PPx6GpLmEGjEXx5m_EoexkeOhA~ )=0A=
 to check. If you can save, sign up for your new policy then=0Acancel your =
old one. You should get a pro-rata refund for the=0Arest of the year (bar a=
 =C2=A350ish admin fee), but you usually won't=0Aearn that year's no-claims=
 discount.=0A=0ATip: When checking prices, set your policy date to start 15=
 days=0Aahead - this is the sweet spot for the cheapest prices. And as=0Ath=
e start date is irrelevant if you're mid-year, you may as well=0Amake it pe=
rfect.=0A=0A4. Make sure the policy's right for you & complain if you're=0A=
unfairly treated. As with any insurance, check the policy details=0Ato ensu=
re it's the cover you want, and that the insurer's=0Aregulated by the Finan=
cial Conduct Authority before you buy. If a=0Aclaim's unfairly rejected, yo=
u've a right to take it to the free=0AFinancial Ombudsman =0A( https://clic=
ks.moneysavingexpert.com/f/a/wFmseW-cdnIXS-yXJeOyog~~/AAAHahA~/i0eAXCM18azC=
aeOE1zZku-E4XJ3c9I0T-UP-c_sqqmpbArACUekdCSg8X9jCl3jazdZiuYDS3ABG6lrBX8JDu8V=
56d39nartUCvG6vf2LOJoIsILQ3XMqEVnodX1oi8lK-8yWnzg5gtzxlPfObmgLJ88AuXESCxRjX=
G85U3NOXFvM9YNtCCPpSDeLxAyGRk2o9hvAyksYMSSgUfzgGKfjaAlMDCU0DRrX-I-3JvQfSB40=
00PRnKB3-t7MArOBPBFhksvELZx6FTNjcPyXIViAla-43JxfBgtDP90WoUtBC6LW3oObqlIIlgp=
ZWJPQ13EDDBa44J4iuQcdVSc46gFRHnbFlVn6ynwNpKpkHOtKTRkycZGgyLv_QJPQsEgTKBuAIq=
jmHS9VNBuu6MYJznOhly3HKFigUoVjHzKmN60r0LRBbbNiexpV3Y8NjeW0rcF )=0A.=0A=0AFR=
EE Lego Pok=C3=A9mon mini-figure. =0A( https://clicks.moneysavingexpert.com=
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UJV2rQZWy5YiDDmOR_nE3k-si7SOVdhn7PHw5mhC7h3hziBUAzZheoEYIQEB4Acd8fgHRZK4M1V=
DlY57CfZ76PaffG3DKk1k40iMGpaD2g4zNXrm0xI9xeqxqEr51U4nXx0FhBR45p-SxAKLvtuOH1=
pbLgJz6iLhQ6X3Q1IPzFIiWXg2v37CpBuBFpci0VFrJaE6oGWA339nmESj2-SGG2oqwqHHZOtkJ=
fj1p8bdsRXfsDof0Og7qIcATh6W-BHyGfbMdGCodu910erUVx-3isJNiXhEgcUWz7wovqtJ2BQZ=
_XWCtewOhTV0DIFj7iSeUd0Zv034fGzZ8k9nXYoKCRly0haogfCJ_UwzXnqDvU7Ht_4lMNHMiCC=
TjErP2ZDjE8ppcVt9Wkje9qjfCEr8ytYP1PylZXp0kuYtzn5XJLzRTF_QJA~~ )=0A This Sat=
urday at two toy chains; limited stock. Brickachu =0A( https://clicks.money=
savingexpert.com/f/a/HH_oajWzEF8Xi0am7FKmdQ~~/AAAHahA~/pniLFzc7TuRBOHuhY82E=
zHHLyn4y5Ftvv51kUJV2rQZWy5YiDDmOR_nE3k-si7SOIrpYYkcE8kCcZfD7tUjNlmrEBtQr09L=
77-pFyA227-7x40LrAspRW0I00Wy-7nvEjTOGtjesuerILODZHxQgheqD82QI86wYuBPgSJrHC5=
Sf3Jw_ej_zXZkuHkh4Gsrihm9ZxqGe6Xxf863Qz-eY6Cl6LjBnfLjVAfp-46bI7wyLLFN0chPaU=
JlJiCWwzSt59ykGVyLTsYxfCtM-VuRadBcvBSVuhZDWSY4bqtziUSxR3CtWkiBk6s3xo07PYuR2=
1zfWU7dMxwKW3UMtk42fYbASXXEU3Lgq3-tutKwEV5xig0Gg5JBLSIH0lN3ejbfTqXB6qR1PKEa=
UDcivZKEs9YD8l9DzKjKOOIKlN6aM0LpLl1d486Q1CbZU5ODNVdZdzjPmDC52tTr38tjgDn_fcw=
~~ )=0A=0A=0AMartin 1min video. Is your debit card a secret debt card=3F =
=0A( https://clicks.moneysavingexpert.com/f/a/5fWXa2Rlf7tClTtWzTXvjw~~/AAAH=
ahA~/qMJMHE_5Kl8U7T2b627-sMTAt6C1wLnPW3sfT0pCjDWIwyVafnJezpK2hc4OII3r5g35xv=
zjazCRQKQuEWKJKQYeTB0PfZjTjLBd28URjtzWukX1koOv4ZoJuyMGsRm8dlgP6p5ZDNu0yg60R=
xYuv4oFnmF05XeyiOMYgjwV6Ik~ )=0A Subscribe to Martin's YouTube =0A( https:/=
/clicks.moneysavingexpert.com/f/a/OzjHl0BFmnnWu_b4oicM3A~~/AAAHahA~/KRqTNS5=
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S7LFJ3eXJtdElGt4XuS8JcocGuBz2jSlH7xaGfDwGu9KKGFZvay2RnSjQxbb7mVkFauK9tajtjy=
uzZPQwM1uXN_w8~ )=0Afor all his vids.=0A=0AGet an extra =C2=A330 cashback w=
hen you spend =C2=A35+ online. =0A( https://clicks.moneysavingexpert.com/f/=
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EhGyl_QnWl_IPjnV3DVVdk0PYd_6IELVMR8hXrkjvVdXfaoUmMvDuA76BcGheht0dCZ7-7kr-ea=
07vKKoGjlETwD2OtXiblvlPcGyHnz2rcDvQSaCoqhqIx0YEu8FQS2S-r3Qcu-FyULD1EAUYEId0=
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LiuVwfVo9h-Py4sEfVddUicYBaGGhZPF6MB4WY55UJ4djTuGJOVl2NfdoBbJY21w50ri3RW-Igq=
idOU9mlLJ9fSFf0LqtAtO04evqP5tmgyPjEZwscA7VCqFz_wv_FRdDzA~~ )=0A MSE Blagged=
. Newbies to cashback site Quidco can grab this =C2=A330=0Abonus by signin=
g up using our link and spending =C2=A35+ via the site.=0ACashback boost =
=0A( https://clicks.moneysavingexpert.com/f/a/GV8aDg03825TXBkC3yE2hw~~/AAAH=
ahA~/U-T1krhwZg2L2ySGBrLS4sGuELfTKXLtWBcdfchaRgszvAkktw7SwfIg8DU2lQhbkBR5kC=
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eMKmvFdNUJq4BANKoOKR4XiBonOvjzpzst8YRFT8ePlfwUFbHQ8iOgXg4qpsMqoftvoqgg38wx5=
dvdw-xbLa-DyWb7KnkW6ktUfUx069Qr5w_XMtzVziAskPwXTdcqRMTRa30iIlqYBMHfIy5doxSp=
gLVGA65Suk-5arv0MdCS4SGAw~~ )=0A=0A=0AParent on a low income=3F Check NOW i=
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vw2LzzmfkQEMQ1tvc56jt8YyT-y0PKc96aFLPu2TNqgy089so3jHmqggzOFbpp )=0A From Se=
ptember, children in full-time education in England will=0Aqualify for free=
 school meals (worth around =C2=A3500/yr per child) if=0Atheir parents/care=
rs get ANY amount of Universal Credit=0A(previously, you had to earn under =
=C2=A37,600/yr). This is a big=0Achange and many more now qualify, so it's =
worth claiming.=0ASee expanded free school meals =0A( https://clicks.moneys=
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U6cYwiKx_1VXP055Z1LXMX5afLrcdl0q7qScVAUO3g0UuqfKOG46KNM-W94bze0rI0s6eRQW9ig=
qWqVJR28s68dVgHT3lb6Mtc2EAOgc45hd-N2Ogwx3NnT-pkZa6FtMjTbz4E4e_SbzomgtRm-3Nf=
yhe3sbiSni7arj-XjyYZPbH6Stb4geTHxt4s0_M7NRBKkuODueaB )=0A.=0A=0A=C2=A32 far=
es, kids go free and more bus travel savers. =0A( https://clicks.moneysavin=
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mye7flqyNcEj3FJw3HkVfeaLDaRm1psDFcs0kyQklycZCo11 )=0A The new Prime Ministe=
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sxg3epv5oFJVdFl )=0A=0A=0AGrind 35% off matcha code. =0A( https://clicks.mo=
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3YQ~~ )=0A MSE Blagged. Valid on sets, refills, and ready-to-drink cans.=0A=
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ds about us=0A--------------------------=0A=0AThey can get this email free =
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A GLANCE BEST BUYS=0A=0A0% balance transfers =0A( https://clicks.moneysavin=
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liTO0HzMuy4Y5cA3fwHS8-ULEJze5f6hF3k7wgC60kSROb6Tq9YLGHQZajpvstb22zDeoCpIlsS=
4vjK0ewmpxdz31GfpRCCfkDKmyrUg0GuhO8jqoxnxrjPPSuaPyFOKUMgQvvP6 )=0A; existin=
g customers use this link =0A( https://clicks.moneysavingexpert.com/f/a/MOc=
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fh )=0A) 12mths 0%, 24.9% rep APR=0A=0ABest bank accounts =0A( https://clic=
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L8PEwenslQI376E2i7QkIt4MSBeIHRVDVDFzbYNDZLiY7yE2NDoQ8RGnhfIXrvUCPbXrjPSAus7=
LOVMbSTk_TDCDssYG68xfqaJ7EdCeIJpYgf1Cg8oxldz-YWjwmBZKRaKIn8B-RLKd3ZSTjqTHba=
a7GRXNfdIBFeWF5KgKcZjDGALHbO1t_lIuVOXcFcXJZbmgsPQChurwoj5P81mqSoFxC_A7rDsae=
vHu7K_0i3Ly3zAhcP4KxtWYG2TSAexyAfDztabCTYcRX4I-V-bTD0evq2bxeTqLIpAzTMaXvh1J=
IKWhDr_L4Uhc8fNkvBaZ-O0Ok9mY7HFhGVaiPRDzSOAN1eNh3KItXD3Gt6hNFbZKX2J6DS23z7-=
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qSqFZNRknCWEje6a7edT5xKn10VOcfFQd3sX1tdFG6NynbRH_hVCLZ6pT4CCkzsJKcVdBbOHddB=
rnwbmSumYwLTPG8FL8eRZ95g-YSh3In4w9w-KeMCeQkTJAVKYHylsEiaO8y0H6UgA0z8dUknj5M=
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aQbZ4HgLK81exn-wjjrbNUZ5j3psYNV1tzHwOlIj4s_KrrQIRzG3HictdIK9hIfYVpxEW2SVEvW=
D8yIBVhrtBZEuiD8cnCTTaymPRJFsRgnacetNxqkNnyTwzsOrq149CxMH1UrYbD2ax8NgzDe3oQ=
jja41hh6AoENkeNspfigIcRqR1Zk8QdRhIyh8AhXBBq5-O2lKICCZPW0MLxHQTzygwzshB739GR=
424BF9wlN3UeojL_9s_0phUBpShXGPBP99tmYJ5taEyJL5Ighuqxj7gH6j0FggWvKSazzdTAmXd=
v0OPWY_viXEBeHvAmcPoYdtS4ODYpZPFvF9L_juzmvyGm6-ubGg4x20pYcoEla8QIYHnR-g1M5Y=
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WemBjVL8fDyx8R5JWpownuVui0tO13XkGmmgadUwXPbsnbS8o9viPV8FdApGEF12Z328zaCHV9b=
rg98J0D-HMFjImOTto9fdYxTsOm84SvTWGS0uC0m2K-zRgr_PVD5jU-24rp5ceW_542TMgsArvf=
Rf2zogp16GmGaVafAI-Boo90aooQ4DnSC0-lBkXO1YbHVXNqJWEVaWC8dL1aRoECwLM2o_jOLWg=
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MSoP1k1QPhq_2-KzAtLeDYqU6JStQ2QcLgG-yzfsNobWCoG5FTuzdDMb4MPMbFnTlvtkGiARQAa=
oIEp4ncs0oaY7NcPjH7oV2WxpYEJkIDjgK3uL2pDBV_v0nEoEfXro8bqaS3u )=0A=0ANew. Tr=
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XoA43tUmH1mivjB9LaFXazIAp8mFEp70cIIl297XzLJerXfCC7CWNADDAWwbjWgyMv2_fvMP7qe=
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 https://clicks.moneysavingexpert.com/f/a/zFGhnpBqQY1pHBL2oE1_6Q~~/AAAHahA~=
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mX79YwOQOOuyzoOUJhyTff0LI_41TISmrgGpBr13J7j1KTT66RLGtje04ywbYdXrHbfSqgkcfv8=
rzIZpMV2o0JASGWLiIvZ7h2VrD5G3txxSoC0_mGZpr2M0PSZhb9Li8SJtQCIIgG-9tA4m1GqNCy=
tRGpGZg2MiHsqrycfIhS_kC_nPi6243lCWVV-AqlXNDGDDPS-IHeAg3R6nfdzTubYxAqWi0tDfU=
4cSPPP94Z3ZvhqQnhCeUhD7R0ofmX-ilH6A_IGMW-rdw6dAap2cjecF5AC0WfDbno6Y5q82Ehhm=
dN7mgoGI5h-PB4FlxOKDYKboQwcAN-bAJgm0p1NHzuPKZyaAmjL4v5VNuysAMVwBR5WiF3rshai=
2XdEykgB2UQco3zywNQAA~~ )=0A =C2=A35,000 to =C2=A37,499: M&S Bank (check el=
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7npIOhb49KQUvPq0_jNMwnR765wUgFwo2JCO224md76Izw1dkRnX5olskXk61LP38GpesJnEpT0=
upcatEafEYk_PDlVrq2pWeYig7EKOQYwrn8bZ22e0pl0Uhxmp9SqEG4bHrnsgTubCiUkcwl-iy5=
770uS-tv0ftXvUoR01qkLal-yzb7kXx_u2x-UWb-40azzqCiU_CKazqxcLJCz8CB87sdY7fmO_u=
z65dbC6eprG2cK3H9-D5gn9ZdfgEfif-vhUZaQCj-kjjR_eJai-UD1x-Uq8Hg3dQ1y2I8-sbmlZ=
g5ZKdazNw7gtq3BdS7RvedbgnmA2QsR4nIItqhpxRZFS9sC8lQjv-snkydgiGgD8Vae9c9D-0Yp=
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VNNCzLo7C5vphvrrpoO_wm0ED3UvXTzLQlqm2xkYlQ2jLkoz2NHfITzNtXRmGfly32qcfOSHRuC=
3oaSRVLrYylu2uH70rm3bdyhfzHHQhs11EAVDajrK2Hk5etIN5uhajyr6fPf40dFu-kpPtxiJcw=
Tkp2I7P3C1rlsd5k2av41OHWxg-NCyRPEoGj8jno71YttLf_XCl_obRtWOtvoe1Qq2sNzQf5dA2=
xoWymyJcL88HUxEZecq7prvOZdnIfSALPVsevzgVqpHuZjxWdj3ytchECIojUahjWaK6dUJyFXo=
Ao4CLnjTMGALDktv0gVkXpqdmsMKmmNRPLEV8MFM-bVGBFY3tLmt-Wiah22CRSVzr3ayVs-Cw-d=
TCLAnnCD6co2h-2dY38FYVivjK6AduyqU8FWLj3YA5teFsf_fzjfbgMrk4BUwAH97j2YiOoQWCa=
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OO29loYCtdArgGUYubzUPvXGiICEZRd0BEt56LNKoB6ZbBkCzLFPv-YGTgWOMWzHfQpRWjiIJGp=
JZqM1H3OGtx4pkKhydwrm_ZpwYNXNvlAf52FFi3FBBYzhsdppQ-V9p5hZ7ORjC1gjrV_4QBBu6P=
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DKE6Me8U6oos_FoJ8jywJzNY9IwFwbNWvKkQVFKm1FIypAvXmlFw1Qm--1ecJYDitg51bpnPRVY=
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 https://clicks.moneysavingexpert.com/f/a/cIywc7LLLyy5IWuGd3XdpQ~~/AAAHahA~=
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5SGDe0gnAjqccoRP9alLFGz6injJhXH9Gf9tMVoG5-Nav7xFUFIeKI4dRqO0UKa1N-AgpRbUe3I=
b-VcF4aJI9N-xcZcyuIrEUcIzsA2rGYbikkzNermhkgTMl80GZWt6DoL-4qh4OJdSVeBnye_RTX=
2pupJvfRuvRbi29jb21eoUyacPfrcpMKqik477_CxVx9UgXCjw6dqasLA_teNh0RAAoJX_OOA0B=
4yH-a_jFBxVxHMS9qLBiIoelRhqUfW4W2dup7UXPFFR7zcsXA5tANborAPNM-JuR1_SEEpdkEMF=
FCHRjqYQSt-zTWAzoAhseMtu2YVPOFXh7trQbOWnkAdKEYXdu3mf0ZJDs2Fz19fRsnAjPiudjgf=
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GB =0A( https://clicks.moneysavingexpert.com/f/a/w27Pwc4TvXGHomYCUAo9Eg~~/A=
AAHahA~/zpKySlL9q0tbl73XrmdkSItF8nt6c5Wv149aHeO_qf61XXJDJLSpXaTgp52IO11q2nF=
bLfc9q1dKYM6SHsWvZOENyJ19JWyF10TqmUFviY8D3VnUws7gfO5wF3mOrbsWICWWlGrn5hU0Io=
kBwakRsQZeiEfnVYeZtpvuTPSmHZ74ozw9e2ADJd80O4xTOXEf6N0lTI1XnZLd9aHIe4p2sVYld=
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FCFwOndQjfIXDkzr8eS_WezlViS_lA7NTYI9-RT-zeL57x9D4d8vdNbZRq8iwioixIOZIW774LL=
XvKbnFQg9nCV1pVkA6RGlGWnRvteO_YhWmtInqDTmT2BY6jNjzY7jj0OpJbS_kxWCslWUESO9qz=
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52IO11q2nFbLfc9q1dKYM6SHsWvZPtmdQaAIQjYIe6Z0x7WKzEqambeCJeS-CW6a9P447UoheQs=
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EANNBEwuRKbnXC1GM2KHfeBtnAt3soph0a0x2uAvtbLdMSLDq9tzCyPcA-qOck_ESS8HplPcWW5=
uxf46v7x-ynED2gADkC5nePRuNt5N32mGviRECYnhvArLiapnaIHqDzrH1gjFU3yrnH_FbW9Cmz=
SP6UStKdvi_UD95qtOUhqmxBHoWYvBbXFK1aql9dOYyBxp5U9ISTqgXGV1B5pbF5HP6pizKell4=
dURgbQJ231iV2EkxIsMQQMzNzRsl19cA3W1lpg~~ )=0A=0A10GB to 30GB data: Lebara, =
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zAldpadXxx-fXkiyCjpwyKUje5qtIeekrViy1vAVupTqk7YufTQ~~ )=0A=0A31GB+ data: iD=
 Mobile, '=C2=A36.88/mth' for 100GB =0A( https://clicks.moneysavingexpert.c=
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SE NEWS=0A=0A- Top story: NatWest and RBS to cut cashback on 'Reward'=0Aacc=
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=0A=0A- Electricity VAT to be scrapped for six months from 1 October -=0Awa=
tch Martin's analysis =0A( https://clicks.moneysavingexpert.com/f/a/62Zi72d=
ch9W9c6pJKE5zsA~~/AAAHahA~/RP-g3jNOX_D93gfNTH4QX8br1OrY0c-CKYfps0-ctFyowTVh=
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=0A=0AMONEY MORAL DILEMMA=0A=0AShould I tell my brother and his wife they d=
on't need to buy me=0Apresents=3F =0A( https://clicks.moneysavingexpert.com=
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WzvUnGpDbn_W2_6 )=0AI'm a childfree aunt to three young nephews and I love =
to buy=0Athem presents, take them on days out and give them pocket money.=
=0ATheir parents don't have much money to spare, but they get me=0Abirthday=
 and Christmas presents 'from the kids' to say thanks.=0AWhile I appreciate=
 the gesture, I'd far rather they put the money=0Atowards themselves or the=
 children. But I'm worried if I say this=0Ait'll come across as ungrateful =
and patronising. Would you say=0Aanything if you were me=3F Enter the Money=
 Moral Maze: Should I=0Atell my brother and his wife they don't need to buy=
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)=0A | Suggest a Money Moral Dilemma (MMD) (=0A%20mmd@moneysavingexpert.com=
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neBcYFKckM7cbSyYEuc1qPk1CPi6ad0UVgYJlTVnvjfGl8AE7XQYqjYt-L7Q~~" style=3D"te=
xt-decoration: none; font-size: inherit; line-height: inherit; color: #fff;=
"><img width=3D"196" height=3D"18" src=3D"https://images6.moneysavingexpert=
.com/images/Money-Tips-Header_v3.png" alt=3D"MoneySavingExpert" style=3D"o=
utline: none; text-decoration: none; -ms-interpolation-mode: bicubic; borde=
r: none; font-size: 15px; color: #ffffff;"></a></p>=0A</th>=0A<th class=3D"=
text--right hide--mobile" style=3D"font-weight: normal; text-align: right; =
vertical-align: top;" align=3D"right" valign=3D"top"><img width=3D"17" heig=
ht=3D"14" src=3D"https://images6.moneysavingexpert.com/images/Money_Tips_Pa=
perplane_2.png" alt=3D"" class=3D"paperplane-2" style=3D"outline: none; tex=
t-decoration: none; -ms-interpolation-mode: bicubic; font-size: 15px; color=
: #ffffff;"></th>=0A<th class=3D"text--right text--left__mobile" style=3D"f=
ont-weight: normal; text-align: right; vertical-align: top;" align=3D"right=
" valign=3D"top">=0A<strong class=3D"header__date-v2 text--msc-title" style=
=3D"margin-bottom: 10px;">28 July 2026</strong> <span class=3D"hide--mobile=
">|</span>=0A</th>=0A<th class=3D"text--msc-title nt-viewonlineheader" styl=
e=3D"font-weight: normal; text-align: left; margin-bottom: 10px; vertical-a=
lign: top; width: 114px; padding-left: 5px;" width=3D"114" align=3D"left" v=
align=3D"top"><a href=3D"https://clicks.moneysavingexpert.com/f/a/vGIlXFo9K=
AekD5QU1i0uTQ~~/AAAHahA~/-A0sce9KacEZ3JKd2g92rlFuT0cpEAfq_iSzFxAmgV0HKBhsqL=
N-DMWOOfy2lrBer9_JFG6slumciH_i8MmkLdQ7-rjrI2ns-KmXtqd1HIDRWMP_EOujrEWa10QV4=
ulckjCMqGMS4WZOqZiWpMnyYNQ9NDe-DAQDk5XBzr6s2TtxNYum79YIXqQSuNCbndQXDBCo6eKh=
LVeqablP4IW7rp_C7YOiQNrsccZpCNhR3CywWILKeztnM3_M-IyzckyBWGbVNjkP76HmzggqIrJ=
RL5qCjZheFL_ckEvVuO6oO8mfzWHyjGYH48Ku0mqW-QcX7F8wUDOQjsMyHNyZ3mK_RL0dYfJOXb=
7uBVWQCKLYOBKfsAIA9XvJXrBaaH6lI0rkEbfq9HqlJe2w1_acs4pONDBTQJ7HUaugqMIvqmnW1=
J_sSkTZcdGyX4vmuGwyeFVo" class=3D"text--white" style=3D"font-size: inherit;=
 line-height: inherit; color: #fff; text-decoration: underline;"><strong>Vi=
ew in browser</strong></a></th>=0A</tr>=0A<tr>=0A<th class=3D"hide--desktop=
" style=3D"font-weight: normal; text-align: left; vertical-align: top; disp=
lay: none;" align=3D"left" valign=3D"top"><a href=3D"https://clicks.moneysa=
vingexpert.com/f/a/-k5hLj2pAsuwoQuloqhzKA~~/AAAHahA~/Z2C31XRTCgLNnpfd5DtVhA=
qSbtsEEFij3IXt_nYkz1jCmj_EQ-sbH3ZqgvCa6pXGacEP4n5wrdz4xIC8V5O8hxrEM_MQQz7Lm=
DT6RsCLO80xDSbgIFLSvOtlTSqhFR7nJ8bJyMvYD1gZuQGH6ZFV8g~~" style=3D"text-deco=
ration: none; font-size: inherit; line-height: inherit; color: #fff;"><img =
width=3D"174" height=3D"17" src=3D"https://images6.moneysavingexpert.com/im=
ages/Money-Tips-Header_v3.png" alt=3D"MoneySavingExpert" style=3D"outline: =
none; text-decoration: none; -ms-interpolation-mode: bicubic; border: none;=
 font-size: 15px; color: #ffffff;"></a></th>=0A</tr>=0A</tbody>=0A</table>=
=0A<table align=3D"left" cellspacing=3D"0" cellpadding=3D"0" style=3D"paddi=
ng: 0; border-spacing: 0; border: 0; border-collapse: separate; mso-table-l=
space: 0pt; mso-table-rspace: 0pt; Margin: 0 auto;">=0A<tbody>=0A<tr>=0A<th=
 style=3D"font-weight: normal; text-align: left; vertical-align: top;" alig=
n=3D"left" valign=3D"top"><a href=3D"https://clicks.moneysavingexpert.com/f=
/a/oVcgsuCrfHipeiA9mu0VpA~~/AAAHahA~/vW3zZhBzEmYDCuhYiH09Z5M1oU0aH8sfhqCGkL=
e5J-pltEEP2_4nmzLHI6jQmH7o-yMcqld27RZe2Am63OxFQ93uRAlRiK-bdDuqWy7z2XyCKX9oL=
RP-D86L-MSuALRcfJN8NJLemAysOhiZUsW6G5UymVvfmRJwIADXDgVZ-PA~" style=3D"text-=
decoration: none; font-size: inherit; line-height: inherit; color: #fff;"><=
img width=3D"314" height=3D"40" src=3D"https://images6.moneysavingexpert.co=
m/images/MoneyTips_headline-with-navy-container@3x.png" alt=3D"Weekly Money=
 Tips" class=3D"money-tips-image" style=3D"outline: none; text-decoration: =
none; -ms-interpolation-mode: bicubic; border: none; font-size: 15px; color=
: #ffffff;"></a></th>=0A<th class=3D"hide--mobile" style=3D"font-weight: no=
rmal; text-align: left; vertical-align: top;" align=3D"left" valign=3D"top"=
>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<img alt=3D"" src=3D"https=
://images6.moneysavingexpert.com/images/Money_Tips_PaperPlane_1.png" width=
=3D"32" height=3D"27" class=3D"hide--mobile paper-plane1" style=3D"outline:=
 none; text-decoration: none; -ms-interpolation-mode: bicubic; font-size: 1=
5px; color: #ffffff; padding-top: 9px;">=0A</th>=0A</tr>=0A</tbody>=0A</tab=
le>=0A<div class=3D"hide--desktop" style=3D"display: none;"><img src=3D"htt=
ps://images6.moneysavingexpert.com/images/Money_Tips_PaperPlanes.png" alt=
=3D"" width=3D"0" height=3D"64" class=3D"paper-planes" style=3D"outline: no=
ne; text-decoration: none; -ms-interpolation-mode: bicubic; color: #ffffff;=
 display: none; width: 0px; max-height: 0px; overflow: hidden; mso-hide: al=
l; height: 0; font-size: 0; max-height: 0; line-height: 0; margin: 0 auto;"=
></div>=0A</td>=0A</tr>=0A</tbody>=0A</table>=0A<table class=3D"header__nav=
igation-v2 container columns" cellspacing=3D"6" cellpadding=3D"0" style=3D"=
Margin: 0; border-spacing: 0; border: 0; border-collapse: separate; mso-tab=
le-lspace: 0pt; mso-table-rspace: 0pt; width: 100%; max-width: 760px; margi=
n: 0 auto; color: #000; font-family: Helvetica Neue, Helvetica, Arial, sans=
-serif; padding: 1px 0px; border-bottom: 1px solid #c0c3c9; background-colo=
r: #485279;" width=3D"100%" bgcolor=3D"#485279">=0A<tbody>=0A<tr>=0A<td sty=
le=3D"padding: 0; vertical-align: top;" valign=3D"top">=0A<table class=3D"c=
ontainer text--white" cellspacing=3D"0" cellpadding=3D"0" style=3D"padding:=
 0; border-spacing: 0; border: 0; border-collapse: separate; mso-table-lspa=
ce: 0pt; mso-table-rspace: 0pt; Margin: 0 auto; width: 100%; max-width: 760=
px; margin: 0 auto; color: #fff;" width=3D"100%">=0A<tbody>=0A<tr>=0A<th cl=
ass=3D"mobile-full-width" style=3D"font-weight: normal; text-align: left; v=
ertical-align: top;" align=3D"left" valign=3D"top">=0A<table class=3D"full-=
width header__navigation-v2__links" cellspacing=3D"0" cellpadding=3D"0" sty=
le=3D"border: 0; border-collapse: separate; mso-table-lspace: 0pt; mso-tabl=
e-rspace: 0pt; Margin: 0 auto; width: 100%; min-width: 100%; margin: 0; bor=
der-spacing: 2px; padding: 0 14px; text-align: center;" width=3D"100%" alig=
n=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" valig=
n=3D"top"><a href=3D"https://clicks.moneysavingexpert.com/f/a/rxvJ5YvlmcVNW=
M15cMpUuA~~/AAAHahA~/UPMM3nXK4t0SuVAG-jXNBd6bB0JT2GOdSqIoNl22k7xmAjpaBAxE4w=
QV76eHVBZeQh-j12RHryYIlAs3rAUS4F6n6Arg4tJIHb02-suwZQGJCTGPK69bS_ojzF1xbfb0L=
O2BrUPZGeqJy66ZRxT-a5l3vEAQz6kI-W9FHQSOwvF5JQpG5nVCYDPBFI5_IOHxA8ASMcxQfgoT=
f1YwlOxem8cUL8zDH8om-QSahwrfRXNc9pqgK4HzQmqyF2f0c8_tINIaeJacz-Q-5THZiJZIg29=
BgACMNHBlCJR8PywCtSC1eX9HXqAFTxUBXQlIAy8xXYf0tqlM67RP0f2cJRJ69tDzxSNBwAaC2U=
SZ5sQDfwcq5Z31i5chF37jBfRINVDg29bksCHAdIXcrQ0Gh3KAKRnwXLdTgwkBt7ZWjxEaAk4~"=
 class=3D"nt-bankingheader" style=3D"text-decoration: none; color: #fff; fo=
nt-size: 12px; line-height: 22px;">Banking &amp; Savings</a></td>=0A<td cla=
ss=3D"utilities" style=3D"padding: 0; vertical-align: top; line-height: 16p=
x; width: 92px;" width=3D"92" valign=3D"top"><a href=3D"https://clicks.mone=
ysavingexpert.com/f/a/W1SdqptNs1MWOW_ssZ3i1Q~~/AAAHahA~/N_3XoltK_gws0XKSbng=
cSz2Ki_DsUzOfmrapzRGM1MrepZ6KU545ii-ipU64Ae4XSm2OL5srtG2Lttu4LjLFeRAbC5Nbte=
yqGA8NHzc8oqDbOgr07V4jd2oRd_EcWe7bhCsvqvForO-eB1nLoSnyusl7Vko6hEEXcYxp75-FU=
ohagS2lWcgB6xU6rrQncrIFLkxdRfgHheu8R4SCuI_oquGZ2klv2LAPdPKLosfPWRGK3clr2dQt=
t4etuXYGCQAsy7A4agU5ufmqHd0J-TBz5K579T43atSxofP3yA7hDQlSrKwS5XcEw0og-lUVUBZ=
7Ak-8h5T4RASPOSljt80oQLQZajTRITK5NIqJF-Z4YNOj3yxyZRYDfEDntX9xUJ6tazPnPO_WP_=
CsSHCnqoQM9NPwpCQ3Gv-LfIsN5FRKMug~" class=3D"nt-utilitiesheader" style=3D"t=
ext-decoration: none; color: #fff; font-size: 12px; line-height: 22px;">Hou=
sehold Bills</a></td>=0A<td class=3D"deals" style=3D"padding: 0; vertical-a=
lign: top; line-height: 16px; width: 49px;" width=3D"49" valign=3D"top"><a =
href=3D"https://clicks.moneysavingexpert.com/f/a/Vnux0M0nNGgh_amnuD4MiA~~/A=
AAHahA~/dgR7x7UEK6ejC4htLz8pTFWPPvIcpDQven-wVQwh0GXVUpel4qPhmcZZSUahUs6IzNb=
SMicCMre47wIbBUS07d5804K9IJk3BnVpskbjsJQWFAQbcHi9qrRpZVCpw9eDyYonaI5S-pP0zE=
fii81_JVCLqA2Xhienwc28J1N9_A2cUXH_URABreRX_LdzKvH29HnzMtU-YHVHY6gbDjQEM9Qbf=
PgsJSFbbA4kuK1cVWJ5stGBLrEgmR4VqvgYLS1_z49eWEEYAuxrdHigkibjfJZPkWQ5oCdYvdhi=
0TJDloGabrl1UW6Cj-eAux_aiadWYyPt-Ju0cYvmGPwi2XRQqezQnTqEcSoKtvcIWlHU8HhnH_B=
tKmzP9owlyWxOFpcns2o1GjzDiUMU4NYJQcogCCbLLWCEiwZV01nXfC5gLCU~" class=3D"nt-=
dealsheader" style=3D"text-decoration: none; color: #fff; font-size: 12px; =
line-height: 22px;">Deals</a></td>=0A<td class=3D"insurance" style=3D"paddi=
ng: 0; vertical-align: top; line-height: 16px; width: 58px;" width=3D"58" v=
align=3D"top"><a href=3D"https://clicks.moneysavingexpert.com/f/a/iih08z3mV=
UEp1VnoPr6LJg~~/AAAHahA~/N_3XoltK_gws0XKSbngcSz2Ki_DsUzOfmrapzRGM1MpDwr5NXX=
-uTQBLRaFHOA1bM3Gj47NJph0qPKKhCAhSbFRsHzzDwTG-pT-_g0jxxalJNijOS8ELcQUjUNS3b=
JNjkVIriKyCTiBhljXZfd4OxiXiQ3oKYQb_S3NnV7P2sDrIwh1wNCzy2cIdiYkLkaOilYuGLOUo=
SQZSjcTT1uKO3GtB58NUYp-7lIdYpThcRGgKhB_XvpgXbTpS_MvCAO3uBd4ueoPrFCipbupsCUI=
qVAmZq3_8NYaogLsmx7IBijiAsbrFf037cAUiR9VVJ2ZEVIBlzgpKGccsopz6eV4zeLxup7-BKJ=
U1SSs-eUr0oQ_KCYA-XLAM5F0ty_brlzzwjPS1oww2Q7IE9frepaffp8GkYXjmMijwrkA0VdQ94=
kw~" class=3D"nt-insuranceheader" style=3D"text-decoration: none; color: #f=
ff; font-size: 12px; line-height: 22px;">Insurance</a></td>=0A<td class=3D"=
borrowing hide--mobile" style=3D"padding: 0; vertical-align: top; line-heig=
ht: 16px; width: 96px;" width=3D"96" valign=3D"top"><a href=3D"https://clic=
ks.moneysavingexpert.com/f/a/zn3q-DXnuOUrmakXzEO34g~~/AAAHahA~/UPMM3nXK4t0S=
uVAG-jXNBd6bB0JT2GOdSqIoNl22k7x3LBfgxbvXmLCYfamkSuToPH2JhifwyY2_yssHCg3AMP6=
GnWZBzUTuwDre5_T45R9oA1CRrWv7IzDsI3Dfqhe_NSBbN-F_043JMkYaOOQmnH4IEYdTtgsu5_=
oWze7XkFAJjoFn8n3cs5qE5baSoKfcFLdGLON8wmwws_SwHB8us8-qaKPRla_QxKP6o6nd_7yHF=
cuyo0Rmzh6YgLuWyBc5eDTZqpb183TmdEdMyEuYBRL-j9VD31BrwzGVCTI4GDLHD3EkjRlPauWR=
m035VcSKw3kHXKT9ZmaRLcg4fULg1WYq-LO3hLV5Ac-BxxqJ23iVScYV6hJhYvbCoA5QHNFbMaT=
c70vhNoImXQ2XKz3dR9aV9FvKuy0pNycKqCWIll4~" class=3D"nt-cardsheader" style=
=3D"text-decoration: none; color: #fff; font-size: 12px; line-height: 22px;=
">Cards &amp; Loans</a></td>=0A<td class=3D"mortgages hide--mobile" style=
=3D"padding: 0; vertical-align: top; line-height: 16px; width: 66px;" width=
=3D"66" valign=3D"top"><a href=3D"https://clicks.moneysavingexpert.com/f/a/=
84IwczgcWbMhU-Xy-_qe7g~~/AAAHahA~/N_3XoltK_gws0XKSbngcSz2Ki_DsUzOfmrapzRGM1=
MqSfsykbqzJ5hpSm7Jns-6om8ktFfLoVS6DkZgIyBh1mNjl6hPm2F9oY3xQdyIk-dvA5OwJTlv1=
Uu6PM88wCyGMfrwgaHWZPXqrLTOcVIYlrX3W3ro0WHv10yw9W4NX1MlmGY_eHxGp7UyBZ2gwsQP=
n7OleiNbbmKjVvoeetwi1zat_NQqZ5oldpf_YonsAzxdxuz1kIlwBhw_1OL2HOMgERKJF8FP5Yy=
mrVyQ6XLc4b8EfQ0IpXwXw5_8J0G9MxOIiwyAILb3FN7FaU-9yHNjkZtTPFCD_E6Lh9c5Y6d25t=
UyuNXq0oeuIL9t5wQHOhaoIuJN9zLwkKTR5Om43tXQWpzokzYFMt5MRB-qgFn_laygDlCOJqSzX=
okkI_zMK4tQ~" 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; lin=
e-height: 16px; width: 62px;" width=3D"62" valign=3D"top"><a href=3D"https:=
//clicks.moneysavingexpert.com/f/a/w1RaiOWBoa0Kiz-yAcSeEg~~/AAAHahA~/wEuIms=
Z6RmnxxJDxOfqfuzgkv5flMLLFvsIzryu76Rs4E_mEk_9gEiuC93iGb2QzC327D4ROUYmkLC4Re=
1y0z5hIy9kcQ1J6SEth2_ZNC82s5GITe14lR-66b5pESVRReB-eqWYGaoNwIQ6kmvfGQWqqxofU=
G-YSPFU6YCWFFL7WvF5j1sZE-Oe95QkdwipLT_8QKMBoC6wVjFKmjCpomtC3rfM1qhBsszxDEAu=
FARqYKJ7Ec-OhgRgORx64KCg0M1m2_gnGvOeDXibJSiGMdcFyAZSEJNOfwR7pYm1Jzb0d4kyhke=
phdT4dFv5V8tDyNHbQ4pp6rHGmzD_iDMOBm1LYdPedqMX1_dm_aroVc3rXOcuraR5LWV1nNBQiF=
NjNqFOWH2TyzNWqUQH5Am6-6d2P-Qki71DWbpwsd4PtsGA~" 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"paddin=
g: 0; vertical-align: top; line-height: 16px; width: 54px;" width=3D"54" va=
lign=3D"top"><a href=3D"https://clicks.moneysavingexpert.com/f/a/UJt3zqmNl2=
IsOHqgvbV4zQ~~/AAAHahA~/UPMM3nXK4t0SuVAG-jXNBd6bB0JT2GOdSqIoNl22k7xZXnjzV-D=
5PfnqyXNFr6EaUZ4gHQ-ti0scD1kgaMCZhFIXh8sjkHHGXcwn_giK-fkhP11hoPyYKxgtFa7gVe=
pekxXvmdSLkmU3y-dsvqJYknIQGdsoPQvUyNiaeRmsmh4xA4ZNUlNUf1Kcdcdlbr8aoDjyz3r8P=
WgFwPTPygBJlAeOKCATlPCUNEbgjLSxK0J75vHItvk79f-InDLew6X2WT2LDhSt5niB3bgGr0o2=
VPLfMWtEn4UWl46E2nxRAQ1DtwQUSW4gdA9RUeoXXAeqTdwDzjpsTe1KQNPjkgX1BgssEZwtDpO=
nGDVM9wAW0ZDouFRYRYh35UQM9ltRPmS3vluaKvTZ9HStl5ndnmS9p0VzldsyUWek51MYp749yW=
k~" class=3D"nt-reclaimheader" style=3D"text-decoration: none; color: #fff;=
 font-size: 12px; line-height: 22px;">Reclaim</a></td>=0A</tr>=0A</tbody>=
=0A</table>=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 cla=
ss=3D"empty-gap" style=3D"height: 10px;">&nbsp;</div>=0A<div class=3D"full-=
width" style=3D"width: 100%; min-width: 100%; padding: 0; margin: 0;">=0A<t=
able class=3D"container columns" cellspacing=3D"0" cellpadding=3D"0" role=
=3D"presentation" style=3D"Margin: 0; border-spacing: 0; border: 0; border-=
collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; width: 10=
0%; max-width: 760px; margin: 0 auto; color: #000; padding: 0;" width=3D"10=
0%">=0A<tbody>=0A<tr>=0A<td class=3D"mobile-full-width highlights__containe=
r" 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"=
 role=3D"presentation" style=3D"border-spacing: 0; border-collapse: separat=
e; mso-table-lspace: 0pt; mso-table-rspace: 0pt; Margin: 0 auto; width: 100=
%; padding: 17px 13px 0; background-color: #fffcf1; max-width: 375px; margi=
n: auto; box-shadow: rgba(0,0,0,0.5) 0px 4px 14px; border: 1px solid #8d8d8=
d;" width=3D"100%" bgcolor=3D"#fffcf1">=0A<tbody>=0A<tr>=0A<td style=3D"pad=
ding: 0; vertical-align: top; font-size: 13px; line-height: 22px;" valign=
=3D"top">=0A<div id=3D"highlights" class=3D"nt-highlights">=0A<p class=3D"t=
ext--light-purple" style=3D"margin: 0 0 15px 0; font-size: 13px; line-heigh=
t: 22px; color: #4f6084;"><strong>THE TOP TIPS IN THIS EMAIL</strong></p>=
=0A<div style=3D"font-size:13px">=0A<div class=3D"highlights__link" style=
=3D"display: block; padding: 9px 0; line-height: 17px; border-top: none;">=
=0A<a href=3D"https://clicks.moneysavingexpert.com/f/a/xwqAhjGBRog7bV0VOkpf=
hA~~/AAAHahA~/Qh4YUxL_JPSxvZWYGQ_P-Ngp96F8kevIDZg1ohbJWX5uQj_N04OEZiEsLafyP=
BqhdVIFX_1_XS_bDY0ddtzIHgaYfg5ZKstmbv1L4yVzvmRCPZuPdtZltfe-fZfHHUyBKXAcdSR7=
au8HOZpQyDRlcbn7ymoBcbjPsPXoPBVf8igk3mTDmqMgH2F920zEcdN_5CvixhiGKTxxp4mFxAP=
W-XOlAvRnWd86UqxrSXU0invu-Bo777FVzvZGQTqKqRNVv8i4-fULM2spD9HJE0km98nT-Dd3pI=
hJ6X0Eykdan2RcTPvBS2GbhGm2DWLYTu7_FF3wT3mpKyIL3CO9p--QZmLJ12ZY5jMgsvBNxSm4H=
UOpUIxqr5ViecWZNcUqnbwvBAYZk6BQcHaM0-VDEwCsfoCrlcS3wTrsWXj69U_eMZQuaaG7vo74=
pz_FRlvIsLzP" style=3D"color: #0047D9; text-decoration: none; line-height: =
17px; font-size: 13px;">New. Martin's crucial guide to cheap life insurance=
, incl:</a><br>=0A- <a href=3D"https://clicks.moneysavingexpert.com/f/a/085=
BeBmCDf3G0SSj7vr-cg~~/AAAHahA~/i-IfHxZuay3KnYuadz9VjWVq5-t29RGV0WaVte8a-feh=
dT_ZA3nwebDbUBc7B3kP3lEftjyyg4xEh4tGjuNVtLSb8PBmJ-NJZeGps1PGTzYljsOyl09EzSY=
YvAEjGbvo5pzN_txO2Ot6zaIUb-s56N4NltCFMi-E-pog_mb6uqjGz4K1PsiqfrYOZDE3vJ746P=
H15g23VIihSKNntZ99fwcdeXJpXkKwFUbzFPDJI4vzLgLjzqgpg81vd5Ti1TFHNaJFjFKmrfweZ=
t92re7uqMdpUoBrGiCTz_1ruGnYrtIXml_W6OxDWoN1O2ZzqkX0GmV3oMxS5-19wlkU9doJl3kK=
aS9pHCbaQfYV_BgJLigaijCbqXjiMQ4uddb294zG9CJTeYKH8PVqynacXGBduAZE_zaMoaY57Jk=
6bOpF_CKbQ7Ke3p2MLXuHo3WpgBSFEOPtAHWPumCBtPG2C7ROcw~~" data-eligibilitytype=
=3D"" data-eligibilityurl=3D"" style=3D"color: #0047D9; text-decoration: no=
ne; line-height: 17px; font-size: 13px;">How much cover you should get</a><=
br>=0A- <a href=3D"https://clicks.moneysavingexpert.com/f/a/gonmMIAp88DovYx=
9JRmTJA~~/AAAHahA~/6BOZ9KvC6PV51vpFSB51fLegkEMSsk4BrBeEc3Ul20tfBdNA1PnVOJAb=
E0pGOqRWXb2q6ZiIFgQuwVY_d9k3iEb8qaPxt4iY5DAMxCT5E-ND2mWKxLNcQiBg8DpQf3xlcLJ=
DC0a1pzuG-s7DsdOISmLVNgKuOy4spbRCNetm9Gb6jko6a7RJC8MavSsrtNZivoPCcyUMGc4LT_=
vX8NbsvNaEVXOICC5bOP3f391dtblb4zuqB8QugMlGkjisKVpe07DKTcTLUwikzXc-BzjF6m8si=
I-OHaahSSWCgPvTzNaQLtf6FtUz4BLAZDeWkSYKrFY9qjtvFUJfXQMklHiQUN-ZwOeaIR3VFosU=
b3feRo-DCucjKG3mXw3iuvREGtvmn4jT7GHilnaoIb97wf5ibjgod7AsZ_0v9JxNQAlEb3IFhUu=
SAG-lLkgEjim4MMiCGqc4kC5kMxn9ev_1433yFQ~~" data-eligibilitytype=3D"" data-e=
ligibilityurl=3D"" style=3D"color: #0047D9; text-decoration: none; line-hei=
ght: 17px; font-size: 13px;">The cheapest ways to buy it</a><br>=0A- <a hre=
f=3D"https://clicks.moneysavingexpert.com/f/a/Vm05-t0ffOKXKGIQc2zmUA~~/AAAH=
ahA~/6SO6288cYFH4kV1swcnH9cD9bpJGsKDxDrnx4h7EUcP7IqnxrnTbWvbK18sdh6HpRSIji_=
ATHvSFThD6jb58ZYxgPtIa0ZEDuxXTfJKdLFKtAEyDvUB1THicldC5dMP8BswCmyobJbJwSXtOe=
PjMmZp9S7mjhmAWE35VeCCf9z5v8JdKFsmqWpgbFa4i1mkH2UFs7_PZxvEvDYemgugoLAwQwPij=
pcsyaRl9xtBoo94UdskF6XNXedWHskdWqO4BXmsiUFg4zUOPGdlZ_dE5a1O2BVdCfb5GPvro4Ds=
VluV2xZ6VodUXCzIR9JEH-RksWrbrrbv_CGAaPtYa-L_eLXQxry8zbw4ZaUwxmLAfn4eZsZHzKz=
pqt1EWjCBAlbSZJlYO12A4I2hJcCkm883xqw3QuJgCfvpRV7_BKjBiMML66n7xoo_bNcI3H1een=
jjug2HzT53YkXjwRDubSpZ1GA~~" data-eligibilitytype=3D"" data-eligibilityurl=
=3D"" style=3D"color: #0047D9; text-decoration: none; line-height: 17px; fo=
nt-size: 13px;">Get personalised 1-2-1 advice</a><br>=0A- <a href=3D"https:=
//clicks.moneysavingexpert.com/f/a/Xo-CD6XmoffpqlhapZxffA~~/AAAHahA~/POiODK=
j4rD7AGHLGRXaU4PYja2geJIEfi_5izwXDY5kKsD9HLfatUuPxCKofT5zDDR94XbUdVJXKbqG3V=
FEMCGp1pzctwe1noOJvcn9eY2EwZF_5Xt4Fa8v3xb5ZmXJ2LWCVQnR4xeOakkWdATYMX7tnUhi-=
eJeOkpGn98GdeUYJS3CZcgpXlaLCZ_8kRgrNotZgX_NsZgfEGnjWUxMQ2-l5TvOYRWMR-nXSiAm=
ulPA4z4adRNgRX8hEAuePZr9CtyB9o-LJnOD7ssCEvaoxXU00B7QzK7DI7zgoZvUcGn32lLlw2-=
vt-tsuBUPlxpmGfbHDg_R4_deJgsuHe-xOYKnK4huH0a3DwVCkRg8N0DYcbSDFbo2loyUIyINzL=
OWR6hsOKurEcthN5lyJvKByjuNEbq3HShyU-K8qx2vikSwJCIPUQrAdTt_fYcDN9UWn" data-e=
ligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"color: #0047D9; text-=
decoration: none; line-height: 17px; font-size: 13px;">Protect loved ones f=
rom a tax bill</a>=0A</div>=0A<div class=3D"highlights__link" style=3D"disp=
lay: block; padding: 9px 0; line-height: 17px; border-top: 1px solid #c5d1e=
9;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/9_KiTpadiRuZ3-Fy8Am=
rYA~~/AAAHahA~/X93c64WR4c9OBMnUndgep6YHr8xzyi2WKhzhRxAQ7bZPTbPV1S_n5SKvkukW=
HzEfvcm00iW-ok-s2_CzcL_DitZB0xux-UYuEy2fWO_Ms24zt8BmSMY4gdiwc8DKGmAW71Fe0Fv=
wy_EXPVeUkcpzoWeGIF5MYFnHECw-vRvhCSFr2h5VZ9PkRWe6-3Ga-tr-POn26th1xfpQRQ6ho6=
vFzyHyKD7xec59qmuJKDuchzsADQ70RcbIgEU2Zi4qYuPadzL16JGjZ1e3HpomjLVGUsJqVltOK=
-Y_yIyY_YVSvXw4Gxbnlej_5pkaEgu2f5pjdt3lYClRG9gZUWzSZfSpo2dAkpGxJA5wtCmt7nHj=
cwD-GG4dS-PiBxYPXt3hyJPnUIaTPMafSp9f_24ezeqKjxk4csjlSWO9YCAE_GZp9AeMFlu-ixR=
mVk_WuMJreJIsBAd-2BeAnc__3rb7Z_uuIg~~" style=3D"color: #0047D9; text-decora=
tion: none; line-height: 17px; font-size: 13px;">Flight delayed/cancelled=
=3F Are you due =C2=A3200+ payout=3F</a></div>=0A<div class=3D"highlights__=
link" style=3D"display: block; padding: 9px 0; line-height: 17px; border-to=
p: 1px solid #c5d1e9;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/=
wp7mt34aFKKc5SbhPX5c1g~~/AAAHahA~/i-IfHxZuay3KnYuadz9VjWVq5-t29RGV0WaVte8a-=
fehdT_ZA3nwebDbUBc7B3kP3lEftjyyg4xEh4tGjuNVtKAF3I75Rvl7LL7dpsAEfoJ7a-bc2QMI=
yTDAnxKGMi_viA4CEnSekj5Cv-8qYx0Xu4wk0EVrsyKbxYsCrjcytuF6MFz0KyyuIw73KWDh1Yo=
zIOo32Ec41yPaY5RLKXM9tnHS602m0SjJvgXFk6_u2Bpv4jLUDRYshbFQS7TuKwIDobqFiwoJzd=
4_QuIcr3WenM-gl8fOK6a1F8hIUs7I1KNmILyGgAZE5iweakE4fFnvXc9_EWqheCtthQ0qTiHE2=
RXaAw_8i4OhtCK8Cw-LnMFECnFLBWnF4besLJ7Sk23uKWTR2TFKeTGKY1IA5ZHr9VfTdg6em5c3=
4EnuQaM_lnKFuMR1bP4AXwxoBH8oj3XyxOgYZDuSQ0gjhjG7kjh-OQ~~" style=3D"color: #=
0047D9; text-decoration: none; line-height: 17px; font-size: 13px;">Home in=
surance price alert - don't overpay!</a></div>=0A<div class=3D"highlights__=
link" style=3D"display: block; padding: 9px 0; line-height: 17px; border-to=
p: 1px solid #c5d1e9;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/=
01AqE6QMrLmltDomNZPg6Q~~/AAAHahA~/6BOZ9KvC6PV51vpFSB51fLegkEMSsk4BrBeEc3Ul2=
0tfBdNA1PnVOJAbE0pGOqRWXb2q6ZiIFgQuwVY_d9k3iG9qfTr6rfj8y3_AdW72UFQzaRgrjFbG=
4Go78ETdyAirbz7QWORT6J9Z6jI6Xhx79sS0alwN4QdZnJynrkWI78H9XH3ebGcKe-7pMLrGOOF=
td7R7ZaTKW2CDgLxyQQAs3jbVW9iw6HKAYqg_XhRzOkqHDTb2MOX6fw2_VbAVWSlYE2odAKuCwK=
8vPfz87mdJNgZDz_EmmAALBUpS26et8wSfKRVT2NzloBG6lf3bW-CtWxmyovlLdTfbRZ-CwW1QO=
3ETc57pRVuTLt3bhPFC5xp-2VA8aU9QZP_esWBA7gFqdobd6a8U3WoxcXavmgl_rlOtX0BFT4Dk=
7MDTTcU4WoAHi8dboSw870PKslOqjJVLrqCmaG7k_6LQOgTFglKIcw~~" style=3D"color: #=
0047D9; text-decoration: none; line-height: 17px; font-size: 13px;"><span s=
tyle=3D"color:rgb(0, 0, 0)">Martin.</span> "Three numbers to protect yourse=
lf from scams!"</a></div>=0A<div class=3D"highlights__link" style=3D"displa=
y: block; padding: 9px 0; line-height: 17px; border-top: 1px solid #c5d1e9;=
"><a href=3D"https://clicks.moneysavingexpert.com/f/a/fWgXePqp7qnKD9aT-icQd=
w~~/AAAHahA~/hV4x-IijgtxKRrBVvpbhRxRovX5-VOHY4BullZA82ZM1LJe2_PorgxIgny5RiZ=
HYRK8WP98HjYs0OXNUQ5sFJ-zNKuJPya5BQkcJbudKOpZvJpua_FkN4UfQY9MT6AgAonRwBirV4=
ULcQtjDma7VuE5FNjSUfUAKE6SW_jYH3l9k6ozFsUVTbu0oGoHC6hNhsMbUBRQRQrLFdruK6toz=
dj7h3IJzgMiY7eQdU1nRAWEBf2Wf1o58omVae7TF9UHy8TRrqVYCdazhrRIoVDsZdIQxEFQNAV1=
9jg-t1PJ55nN1tSGLpYHL8klxqTHl4IYx-HQ0TEQ6bSF70EZte4zwwdEDqzTXzF_rCeARi3LkY5=
E5ml3RVrB1t7JP8uF2B_KpMiKAwGJixiK7vCKwcNIiDNLEldxXHDmdrvaHW__8Ghkto4t-ml696=
JgxCHStP62mivAz6mjmPrgjGwbFP-o0zQ~~" style=3D"color: #0047D9; text-decorati=
on: none; line-height: 17px; font-size: 13px;"><span style=3D"color:rgb(198=
, 32, 53)">Ending.</span> FREE =C2=A3225 to switch to top bills account&nbs=
p;</a></div>=0A<div class=3D"highlights__link" style=3D"display: block; pad=
ding: 9px 0; line-height: 17px; border-top: 1px solid #c5d1e9;"><a href=3D"=
https://clicks.moneysavingexpert.com/f/a/cybBmcn1nQ9VNNraqZk1yg~~/AAAHahA~/=
pniLFzc7TuRBOHuhY82EzHHLyn4y5Ftvv51kUJV2rQYK2480JCgxEHGQKSKD_KLyaZ3JQORNPU8=
FuiYMre2Q0RIAHFjtkglwSOZWmpl71AJqUtwh9_xSVy3D45q8XlQZ-HOBy3xM4czNKN_OxafWeW=
G5r27AufA2hyVYwAjKrb_FHThyqf4aerRngvQuIZzajQ6fuq3iYlM7724LGC37OLwoEzLucl-UH=
7t6XXeby-NfPQ22Hwvwlue2EIUn9clNc_JyY1P5Y4dlqNzE31kel4bk2TMpImuQZ2GSLiPxK3dy=
UhQqCjDHStsinqYdQsrr-STQh9yJHdF9Io-ymkBV_poPbVu4kQp8hHc1GXJli9DJUDkkrj0hg-h=
TRcexxllJwMbXoyOzpj5GXqi9_m51i8ERBWQ5BQvvqIV4OymnY-C-gIRLB1zFsi4EOGAVM1o2t9=
TwYP27K1BEUlN_ekfqYA~~" style=3D"color: #0047D9; text-decoration: none; lin=
e-height: 17px; font-size: 13px;">Major diesel emissions compensation updat=
e</a></div>=0A<div class=3D"highlights__link" style=3D"display: block; padd=
ing: 9px 0; line-height: 17px; border-top: 1px solid #c5d1e9;"><a href=3D"h=
ttps://clicks.moneysavingexpert.com/f/a/tf1i8O7Imw5m6PUtAwY3IA~~/AAAHahA~/9=
rfRdgfZcOVirfu4wzOPHmbfFjPu5NcalemBzlNT9GBfq5wqSC6TKQsFFQxRNtBT_WY5_7TskWpD=
_Pd8KT73ucbMx7_GuKxjawdQ_AosEuwN4l-nMWyq_HSilpe7nGY7z1Su-tmIJc8tC4ASJxrpgZQ=
NdDldvt-vOA2lWIDWwn1KyLtscLP_CMpZclkXt4DuDipNCUxR9Gx9B3GddX80JJvbo9g1Ykx-bX=
6DjlGKOXxJsGhyvCvYXGuFcKKx-voRCIcRXDmvM5TjqhRVlrhTIrj342axJvXkhMk5TXM6Flvj8=
BdaeMXgzN77XdCU_uU3tdUYAf3fSuUovbuD69kbjzF4rEonhjgyOQuni8mVjq4ges2NhQocU8bq=
0vE6cdnx9aXJ09JJcmaG0Po9dEpiTVz1U01uDdtQceqdB97jeoex1Z909Iyc8lGk9xmvNSMr" s=
tyle=3D"color: #0047D9; text-decoration: none; line-height: 17px; font-size=
: 13px;">Shift card debt to 0% for 3 YEARS</a></div>=0A<div class=3D"highli=
ghts__link" style=3D"display: block; padding: 9px 0; line-height: 17px; bor=
der-top: 1px solid #c5d1e9;"><a href=3D"https://clicks.moneysavingexpert.co=
m/f/a/smrGSCmauLKZ7vlh6Mkh4g~~/AAAHahA~/zpKySlL9q0tbl73XrmdkSItF8nt6c5Wv149=
aHeO_qf4mPwWbLIPQsNiSMmBjc3cqsReqQGFTYKD3199f9K7FXvyXiTtlMEfrRFQtd5lALSsqww=
u82h0HxS0two2kT0iDo4JgK6WP2vH8WLmUNyI05B8wma2jrZegCcYgjYqzR9Kh7DOa1RVvrndyb=
RCehcIlfqOzCZ0ARoLvdOeMO6rBmTXr1d0KeCgtuLClR8aGwqTJCafkfXO8FKEVYLk7kP3Ue2k-=
IfjCDaYcoadiejArf9011uNv-3AhR4lQTADrM_T4BTbme4VS6taZv-HAWXXuGaORTSZATaktId-=
YfqCdFqwh4g7lmUqaYU1GYQHjOjDDVdxk6pgrwyvB54Vu-8YWiKOLIuTyiQPxnrm9Dt8RMuajj3=
fOMxhZNO7lk-xb85IfmlKG1BywcssVOoEWKt2vnlj1Yj9PHhrEm4fKpzysDA~~" style=3D"co=
lor: #0047D9; text-decoration: none; line-height: 17px; font-size: 13px;">C=
ivil Service Pension scandal - are you affected=3F</a></div>=0A<div class=
=3D"highlights__link" style=3D"display: block; padding: 9px 0; line-height:=
 17px; border-top: 1px solid #c5d1e9;"><a href=3D"https://clicks.moneysavin=
gexpert.com/f/a/srFVx5BhE183yNYUKUY8sg~~/AAAHahA~/MpJFXUMFUrdCi59bEng9SpYsr=
U4zMQqKaniHz1DzfgHucY4Nk4kgo40fw8fHCminFTDOYMZJWoOqpJK-PJ1_DOLUJnQE84z7rC15=
d6t2VN1olRVxA8p-EAq_3FFtM0SI1V1Z38B8-kSzFQEizS_MVjxmYxPG1DB7AVGPD8oaZjIzMNj=
pL1yceYFGC2Scj-BMZ827K2xXxZixgP5MlOFSmcMqYKfJuWeLZCZL9GUH5kGtPFinbFpiwn7tz_=
WFLAlSh2KpM65sdbtMJPP2Bgtlog-XsAzw9zMlbyCmjiZQaQ2Fp52crGm3EqA0WXjEj027OC8S_=
v0pXPKNuMDEXkOD0ttCH8jzmugSoDUEb3JCVWVcG8hjj3nQtUyMuoPnWvJdtwlomGxbqE8nAncB=
UTk7Uni-w5KEJ_DqdFa38fH64qajVZl1G-tPxlnihj48MG3i" style=3D"color: #0047D9; =
text-decoration: none; line-height: 17px; font-size: 13px;"><span style=3D"=
color:rgb(198, 32, 53)">New.</span> MSE Pick Me an Energy Tariff tool</a></=
div>=0A<div class=3D"highlights__link" style=3D"display: block; padding: 9p=
x 0; line-height: 17px; border-top: 1px solid #c5d1e9;"><a href=3D"https://=
clicks.moneysavingexpert.com/f/a/WtV_iQHGcrzM_kk_GvCKsg~~/AAAHahA~/U-T1krhw=
Zg2L2ySGBrLS4sGuELfTKXLtWBcdfchaRgtM0csF8qxFcWh_2H1eV_xN54g6yxmS9AbnWYD_EZp=
uXofrykkjUp6lBlKkocTVLHvHRHTuXcIN_oUWNEI3Sz3u0X5bdfXjVABG61HQCkBE8Os020aRwA=
7t7k6WZTpIbzNRSyq_75rQ5kl7Pl-BFOvrGsmNFsBqh6JcpLRndSCYPaiGWKCKpanuti5ONiKNI=
dIm54HJ2Dh0gITILVlUBnu3gYF3pdDTbnaOZYU2YFmI9CjUZv3FGyQdLmVET2KJQnHxrDkmPGFG=
jsR-jOnBE3NaaOKH0MlAMbi8Qd4_IdYKI0uvfjdLhXHzsZ6221M8c8ofObCsBMP4Sf7tyTJJECA=
qOHfYthn3A2OBxgeoVtEI5SWMhFFSgKHdcpHPhnGIkfowS0InkGwnshFesV521aa2Xpix3EB7SQ=
G4cD98qKZyaQ~~" style=3D"color: #0047D9; text-decoration: none; line-height=
: 17px; font-size: 13px;">=C2=A390 K=C3=A4rcher window vac for =C2=A345</a>=
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9px 0; line-height: 17px; border-top: 1px solid #c5d1e9;"><a href=3D"https:=
//clicks.moneysavingexpert.com/f/a/0rhQMxjz_MERCyfF0OJKWg~~/AAAHahA~/mcoVoA=
4blH1F9ynRpEKgo1yN2wN7q-16vzJssIDRgF-A5SOWKDohJFhaT9TTkuiyopQUZTgrCtcc1dIZo=
PQaAW5GSQBtEmEr-Xp-Kwcw5i7VdQJwGYdUmkdpSiZ2JdwVGHSHFeR_rYxTftwpUKL_ufyCODD2=
859A1oRAv94Uh9bCvDLXxXbO67awIV3DMhOoSbxbjfOb5eH_GWVrkc22KHY1moA7z4glbPYdJn9=
NEh5h6rcnuwqFQ28MIMQh1KjGU_LJFnkPHP0alTtuuewAUVp0rFzLke8TWZA8aK99t6a2OMd4wI=
6RqDLdCj5JYipHJ9lbmJZIldWQjGs3nKojARjvl5UwMEq7DXKONapnol_-O--ANJIDXtJ7ONcpD=
AxAI5nk5WL8NjCnW9lkX8JeqyqTvrzYQigZZxYIJ0LNIIQ43dHXXuW5-wDbQCekyPOemH3f8NpT=
pZ9gDW3ekY-pMQ~~" style=3D"color: #0047D9; text-decoration: none; line-heig=
ht: 17px; font-size: 13px;"><span style=3D"color:rgb(0, 0, 0)">Martin:</spa=
n> Have you struggled with mental health AND money=3F</a></div>=0A<div clas=
s=3D"highlights__link" style=3D"display: block; padding: 9px 0; line-height=
: 17px; border-top: 1px solid #c5d1e9;"><a href=3D"https://clicks.moneysavi=
ngexpert.com/f/a/AnVlyiNmThN1OISSqwkfKA~~/AAAHahA~/LXYZ8ZRiyVs--tKjya7sMeo-=
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9JUX7IV4BS5I_DyrKVrA9QaBztvjfD-9UfcVIcRGMMwSfBjfmMok7WRVQmq4sZgMhOVvstyExDP=
FX7CPMi5tBmAwCIggcBnN8eG5rCdY_WUf75ueNye2tqQ9RSWpgCeNRpPOEggso8CZdd1nOInuGB=
uBEEoBjofRniIGBbIX7hw8bHtOat5HpXrkgY6LEychqMeFC_bON4ioKVD-_XyUBL0TZEDK2Uxyz=
-y3lsTriL27dcJzNxU3pUDhpkrSIoVFEcnmCcQbJ99v_cv1lq8whRBhpw_kYJw5N0UDJAPbdk3X=
OkhJqXGrvYhEugWoLqwPuyUpIUGtzRPdMSMpSHIP_hZSa_oH0QWuGc0RyszYnMuaJH6NxWg~~" =
style=3D"color: #0047D9; text-decoration: none; line-height: 17px; font-siz=
e: 13px;">40% off New Balance</a></div>=0A<div class=3D"highlights__link" s=
tyle=3D"display: block; padding: 9px 0; line-height: 17px; border-top: 1px =
solid #c5d1e9;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/m9P__ZQ=
maqjIWCCV1sLUfg~~/AAAHahA~/2lT-zcpl0DRRPdIJCXkAGluPp-eIoQ5plmM7MhB7Q7487VHi=
Sg1AtrpEj4h8ZHL_3459GO22q0TgDSK1fJvCNQ3MgDckEyXduKU90ulkHHv4GaYfnXmN9kKcrKd=
AeOAE86NEQcMt35yc4wnDwLn3ljIsDoJTROsRmvDBglvQHxB1iJc2UbrhrZk6PZnwHFpJb4o1P0=
GwC9QCtpn8pyv0p2Fj49zXjlwmCfFCDM7ZiuRWf4UemPtVJShRB-lvhQcR6O6Ae_Ia9dpzKLStd=
uZwaRnxr7Jxga2fKqMNWeegfYKvHI-IBNqoPPVEwe1Q-qU9QprOtphcKNPW7BmJBqToWgCcZuxo=
k6rNXXpw7Ugblui3XAMq253TGcJo7QDhth4tk8scEgPW0sXC0AT34U4UBfHVV8clHeK4bJvUTrL=
z7r1V36HoIxIcDbGAkoXW6J-OezKMm8OCwt-ttu6YtafksQ~~" style=3D"color: #0047D9;=
 text-decoration: none; line-height: 17px; font-size: 13px;"><span style=3D=
"color:rgb(198, 32, 53)">Warning.</span> Saving for kids=3F Don't make this=
 mistake</a></div>=0A<div class=3D"highlights__link" style=3D"display: bloc=
k; padding: 9px 0; line-height: 17px; border-top: 1px solid #c5d1e9;"><a hr=
ef=3D"https://clicks.moneysavingexpert.com/f/a/cggyfbSDMsJM40D21ULBgg~~/AAA=
HahA~/yMrwgqyaoF0fnGnHimjisT2C_CViobcyM6rwTxiM0nnRzH-OWApw7C_6EFBeEmhV6qaNd=
qcAPIm8KtehETSefBEU2c26rwsRVILT9krmOl9H1bnj3IrOxK3WpRV2el5uG615U_b2oIwFZS0G=
PThTGfw2UKvlRLxNWL50lCo3aynfxFvV499kUHdIboUJq4sVlbX0fdoLwvnlmFf15Q0qFdICL4G=
yCIj8YxiIBA0Pj4uEz_45Csltj1USKigd1N12Lt9VAFgPPNj07L4wCdAqO61Fi7kPVNdCw1s8qu=
xhQjKWHlBlRMpSul2IXUjeXXoEf7A8RoFczjF1lRRp1m6wryHACjrcqLnuLGkKp8yBtnTRR8iI-=
PNyr4wVfbD39meRbx7pAEGFUEAuIAay0ZsQwAbYkPurKRjeTwo4NLjjviJEcmLiagkQnLpJNdm8=
bgHM15I0Rta7fCrfJVKxM79zBg~~" style=3D"color: #0047D9; text-decoration: non=
e; line-height: 17px; font-size: 13px;">"My wife left me with =C2=A327,000 =
worth of debt. Thanks to Martin's advice, I'm now debt free"</a></div>=0A<d=
iv class=3D"highlights__link" style=3D"display: block; padding: 9px 0; line=
-height: 17px; border-top: 1px solid #c5d1e9;"><a href=3D"https://clicks.mo=
neysavingexpert.com/f/a/3NXAemPi0e0EGHA7XabI7g~~/AAAHahA~/MpJFXUMFUrdCi59bE=
ng9SpYsrU4zMQqKaniHz1DzfgHucY4Nk4kgo40fw8fHCminFTDOYMZJWoOqpJK-PJ1_DIgaHLnM=
YoJv0CDpuu46tf9nv5w_ctSUo_-Hjvt_7rbkOvNtS3n5j19LqsDhF-EP6JdyeJ7qXv69qckwWZv=
ws9SODkFy0KNJZAccN7h_0BZO-TnS2bcvJV7f4Yc1yzCtuh9lHDT22HdID0ku4V2JpxtmL1JwSH=
2yP-d1fuUj5_2mhWwbXeS8mQlQNGa2bpe_9ro5GV_nPoZ2KpadAOqybA6Kry4gpPKi_yCzb1y1T=
_xDa4OoM7KCZd9-DE9oA0AwvEQklWcynIeK7JYE9r4AhPkcUeV_JneudPs41IIAfTasihL3c3Ph=
CzJb_ZtrFEG6jUjLYKWElzjgCDvI8brdRJBEHSB82JqnAJWMYKkQccjP" style=3D"color: #=
0047D9; text-decoration: none; line-height: 17px; font-size: 13px;">Can AI =
improve your finances=3F</a></div>=0A<div class=3D"highlights__link" style=
=3D"display: block; padding: 9px 0; line-height: 17px; border-top: 1px soli=
d #c5d1e9;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/1qjo2yFmj4C=
0_eSegoCEHg~~/AAAHahA~/MpJFXUMFUrdCi59bEng9SpYsrU4zMQqKaniHz1DzfgHucY4Nk4kg=
o40fw8fHCminFTDOYMZJWoOqpJK-PJ1_DHoZqzFd1GZRB8GT_FVy0kIUDTDYdJfFR2syUmFg7y9=
jEnH7Gt-pAPEiDnN_KO-WZI25qXsBl9lwBUbpFVEhWzIQ_u4yI8gaAioCCqHoeDFbVHRqq7L4OU=
I6lBpWzsZdfiXDRE9vs0GaL8vJgpGERA7g5aRYaYyserRgFVn0-afLQfpr8x1sNBNuR4V508lgZ=
P2yeIWKDtKLaQnBFPcBdd-hyKAelFDJwR9UfUZ-cl7sCI2zBlF7S1FbO9bi55oW02O12LrTrMA5=
ZCFWa9tLHArSUH1U10tYeSN8hc6ZE8HV43Yld6TPmWVwCL40IB_Q4tVMpAxEhoU-nB4BPuF50CY=
r1JQSru8et854tPBk-HNZ" style=3D"color: #0047D9; text-decoration: none; line=
-height: 17px; font-size: 13px;">What is it you just don't get about money=
=3F</a></div>=0A<div class=3D"highlights__link" style=3D"display: block; pa=
dding: 9px 0; line-height: 17px; border-top: 1px solid #c5d1e9;"><a href=3D=
"https://clicks.moneysavingexpert.com/f/a/Siz8fMQF4UWXXOHaoRZYcQ~~/AAAHahA~=
/MpJFXUMFUrdCi59bEng9SpYsrU4zMQqKaniHz1DzfgHucY4Nk4kgo40fw8fHCminFTDOYMZJWo=
OqpJK-PJ1_DH2igGlIQfSO5XXXNHY_fGtLfA4ys-W_0yaTThzl8Cs0ZlhmCIlVOpaQOrq6Zt8hY=
mNhdZWh8fwqOMIHaRjkY-J3qNdxC7RlMqa6PfY_hU_eK01zOFJTkmUaxZ65ogJswk2c-9dsnGj1=
PiR7MPS0IUmOu-3CoW33Wp2LPByDjBB177CcPgrHNQuWlUUGOBwyIu0CnnvM8lC_s9utk1lyvJW=
dz4Q9OWRweh9D0PVtSuICBNuKQO44YkIxI15VZlftCKYXdR49L1kMWveheyfPZSC5c9_RMZQZRc=
0lhaZNAq-h3lOXXr18OKBcnhNtU0vT1EHn5bK8MLxM4rJ_ccgKm5WDVAs0uhEWCWwD8MfmRYc5"=
 style=3D"color: #0047D9; text-decoration: none; line-height: 17px; font-si=
ze: 13px;">FREE Lego Pok=C3=A9mon mini-figure</a></div>=0A<div class=3D"hig=
hlights__link" style=3D"display: block; padding: 9px 0; line-height: 17px; =
border-top: 1px solid #c5d1e9;"><a href=3D"https://clicks.moneysavingexpert=
.com/f/a/GraqZIuGHIXA_sigO8h_ag~~/AAAHahA~/lpiws9JCKvE8lbevL8_Cmet8plwDkdy=
Rv4tkU9bB-L_7Sy4U7EXUmta7bI-0cjW9f0vDdk6EYMRROXOO5eJEeGDzlPyOQ3qwnhu9exAe_q=
53LQrtfw4vsJXLST0TyEFQ3Ho79CURCi7zL0dFfPg_a2VqJwum4QcdtUbQ6WW5rKpm3rFM6CQb2=
ACUa1WjzMwLmQdLO6voAsI6W5QjlzuefEwbFSowPWkUdBQ6g8PqLWY3EhjaNOwLvjpuzyKeMSCX=
UqVeIWDTRe7ZfdinhFDFESp5CQAL4QjagTEUz19r4qmXV1o_bSKEXRltiMdk0rDjzjbVl3yswQ6=
v8dlZvB9M4UiN6RVSeaGf-EEsCSLZl4rxtPu8cMkSq-RMbQuV3fjImsNkFU-XVWuI4kJBv4-W51=
ltWc0SlSEl5ZCKQIQCkrjcLQHfqBfLgw4dbOuN6hreuiJiBwWzBFOXBcrJYKfbfA~~" style=
=3D"color: #0047D9; text-decoration: none; line-height: 17px; font-size: 13=
px;"><span style=3D"color:rgb(0, 0, 0)">Martin:</span> Is your debit card a=
 secret debt card=3F</a></div>=0A<div class=3D"highlights__link" style=3D"d=
isplay: block; padding: 9px 0; line-height: 17px; border-top: 1px solid #c5=
d1e9;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/bAt5UAjlGxd3HA8y=
X3IGKg~~/AAAHahA~/pniLFzc7TuRBOHuhY82EzHHLyn4y5Ftvv51kUJV2rQYK2480JCgxEHGQK=
SKD_KLyaZ3JQORNPU8FuiYMre2Q0TSOCaZd38ZuNsnSBucB6dNd_ViAUrb6Lnqhuuixs_ln71KP=
qgZdmkcrm3bScB6BgMe765o5MpQTrB_9Drarj2pfNw8i0HQjksaizBFDU7vvHAL_hbYlWMAYSYK=
aiNjpWQ4b3ZlYC9zWcMjG9gJ8htR0P3-rjAz9g0hmxNr67yhx9KXvCMvuAFy3dgRSJLLpxjC2Q_=
bVVF3U2_gfFJHKW_VDQvhwojArWkcNvmlf38NsI9D05GLdEMbmabOhXYpQJ3meJ7ap1YGZkAMvn=
cL4AQ-Da681sOol9TJxNh95sdCVupXIpVMQS4zAyULyRCrWDNOfxy0Oi_xLDmnAttIxMccsnTSS=
SP0CVEW2Y6MjTs7GRVc1oUBnKJ_BXD0EXSpzFg~~" style=3D"color: #0047D9; text-dec=
oration: none; line-height: 17px; font-size: 13px;">Get =C2=A330 extra cash=
back when you spend =C2=A35+ online</a></div>=0A<div class=3D"highlights__l=
ink" style=3D"display: block; padding: 9px 0; line-height: 17px; border-top=
: 1px solid #c5d1e9;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/i=
saDIFvHpMWOPfb2CrISjw~~/AAAHahA~/zRZNEA3-P3iQ1DkAA0Apd1xcoY-BZOPmE5sjWi3BMY=
SYreulHAeEdeNvooKqP41u9CJaFGn--nPq3OUqAEsjt4qCUi3e-LleHmp8ntR58kj-CsjV-SgeD=
3nclrtS7YFzNerQDhuhOKUFwccTIcBjrPG5TuqYFZJFBDSKbsZk1vt6yi6gZH0fszwMn_UGTuON=
_3KQP_8g7dRh4vTraJCy_IfqtJ6-o_pky2LLk3jQKT-0CULcY1rGV0-jLFYccvfw1470hxvRhln=
-vwthO-xIRpNYgZspkH6SNehd9GQYkrbu-RtjWqI5_5ZODxHtEcXv3_sLpUzdKg6BfZ32S_GXXK=
Gl2hUfiCkMTcYihlI27-kSUtOwaeKTpb6kNFMLLW4rwPBJDWNLHKNxDVC3BTdvoHqv3rRYwtgoI=
dtyxb8enk0AMbLjA8QTnQkIuoITG0HXqYqV03UpvTUazBehGIqP4qq1eWftLWSHGVYD1HQo4NU~=
" style=3D"color: #0047D9; text-decoration: none; line-height: 17px; font-s=
ize: 13px;">Urgent free school meals check</a></div>=0A<div class=3D"highli=
ghts__link" style=3D"display: block; padding: 9px 0; line-height: 17px; bor=
der-top: 1px solid #c5d1e9;"><a href=3D"https://clicks.moneysavingexpert.co=
m/f/a/CgpLnfAFTiXs2Wz9j8zF9Q~~/AAAHahA~/TeQCNfvZ1O6wBV77tQJu4BTzTH1t-zARuST=
WeB86c2Hcnj7l7LxqfOn-_wpdl6NwQZE-lEDuig5-Ay6pJRYzn-KcbfLZ3gIbzXUGHO6EdHptTG=
PD_fDLqd4DywKkOjLqrXC0N3TYZvh8Ima0pgf1uNoBOIqp01rI7K1Fc4h-XaYc8wDhOLR8REdfn=
WGBS2bWC-EH1CKUEJNp66i_5LhWdjAh2AXg3lryCG-De6hT4Tn-2YE2vt1Bb4EdPwR37vFUpJO-=
CWvnCAJ1dcNJprSEcMdYiEaXHILcM3AGpyytqw2URB6tBTvdxPc_7luxq88KosM1Wm-KsmlzIVo=
Co1HkLhehvYyn2IYN6K5zS_X-Qe07eGRVD2c2QgnBLZYIWFEIBuCQbQlE3US7v54NW6_EtyYh2l=
y4fRkmJy-mmfA5ZLnnVfIqWwwQ6PXiewOC-JsN" style=3D"color: #0047D9; text-decor=
ation: none; line-height: 17px; font-size: 13px;">=C2=A32 fares, kids go fr=
ee and more bus travel savers</a></div>=0A<div class=3D"highlights__link" s=
tyle=3D"display: block; padding: 9px 0; line-height: 17px; border-top: 1px =
solid #c5d1e9;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/IsdGnuI=
s4KnYbRuopY2YfA~~/AAAHahA~/mcoVoA4blH1F9ynRpEKgo1yN2wN7q-16vzJssIDRgF-A5SOW=
KDohJFhaT9TTkuiyopQUZTgrCtcc1dIZoPQaAYyNUpWsew3MKATkN21pRtGDfGVVQxYkwiL-sBy=
EsXgN3lhRmCvaXnsl8vD0m4HToUcrrQ9jkFzfsjjmGnfzpPGxbv_IwHlGj5bKhV4uriGIzssX8m=
zlzAAZWK2aF3kqG_2_EpHcpZbZ_R4qkpMEhwcnhx_pwTgh_g9jcnVL1Ar1tQEXI-EnxbYDg4iQM=
pJiMK03PtzF-1qIIgMHkquu_UNtPu6OsBxdveY5L8A2ietoZ0WqPHi-qR_m5m5c5B6j_576CJ9A=
WQQyng_tLkHg3mv_IpMIeLO2UOZeMNxSQmw1Sle3HRt7McKMgabJ00JsWj16g5Trt2GytSU0CKP=
3CoFCT5ridCZEcbmQOPv3EcfMcSLKTirjvmz4SYk7JbtBxA~~" style=3D"color: #0047D9;=
 text-decoration: none; line-height: 17px; font-size: 13px;">Cheap matcha</=
a></div>=0A<div class=3D"highlights__link" style=3D"display: block; padding=
: 9px 0; line-height: 17px; border-top: 1px solid #c5d1e9;"><a href=3D"http=
s://clicks.moneysavingexpert.com/f/a/2dxHFlXxKSofcM0hzumovA~~/AAAHahA~/ScrT=
eBbO5sU6Bk0KFVV5fOwFy57eqQEQBWa410OQQyEaFaH1kRRsfc4vldXX8ozwDSizEuIlyfGYYGL=
MYzkLrzgJ7g8JZM47GVtByQSWXNCpqrYbhLQNKkCGsuL1zmMrX8eJaGHavCdEiT3H9LZqGzemdh=
l3gpjtaHKSRVsGrjvUrbId5uI3dq5fBEDiAML_2PpQXO_kQ08XP3Iq36xKSBbDqbRqeysUv29N8=
XvCZM7E-NN9xbzcuZUFArrI4B7Fk263CbF6HCcnEHqzUKV_uHbm-uCWgzUKPSU31W8F0CFK5SbN=
-9ouuT9q7rJMK58F2FZmfHZE9pxvUYaD406tYQHiAv1EvpdXH1tW7pF-hH5YY673HyrvMm4zl7X=
Jd_Aj7y8NXIGn83p4XFK4Yzj7pBXGLVCAckox-vRj1Bcr3Vh4F1gpDKoJoelD51js0DVzonFpl-=
NPoSoAH_qYZcgnqHq-acxVHxdtQfLiLbneNLI~" style=3D"color: #0047D9; text-decor=
ation: none; line-height: 17px; font-size: 13px;"><em>This week's best buys=
:</em> 150mb broadband '=C2=A318/mth', top cash ISA 4.71%</a></div>=0A<div =
class=3D"highlights__link" style=3D"display: block; padding: 9px 0; line-he=
ight: 17px; border-top: 1px solid #c5d1e9;"><a href=3D"https://clicks.money=
savingexpert.com/f/a/063hjWE7LJFDOwKTp4sweA~~/AAAHahA~/TeQCNfvZ1O6wBV77tQJu=
4BTzTH1t-zARuSTWeB86c2Hcnj7l7LxqfOn-_wpdl6NwQZE-lEDuig5-Ay6pJRYzn0D3D3h35Vp=
woR_nENkRkh8unAzgxaySo-5478p1SzF6ItL8t9xEf7y3kB59cpydhzBhZzJl1ueRkJ80prmc3a=
3Ja1BvJpHY6aS2yaXKxw34WwdteJl-g9B0nkTQaRry38uK3pHRJZrP0zAOT0GOGYBk02mSB3wWY=
BFHVH4TMzKNOzQkejwNUVBBzc0_zl_y-oSarzt6vUHCXq9tDfN0EI631X9YyCzTgi_QD_9ZLYZ8=
AQc9YWue-iybn5mSOe9DlTFXhg4suZBbSfgb7fYS5GAasRN5RXTVS2SAjbwIaUp5uH3aR1nc0L7=
RmluX-WAqIlgQvtIqWRS3RY2Y_BH3DaE0Jk-2onhxwBpOyjC4byce" style=3D"color: #004=
7D9; text-decoration: none; line-height: 17px; font-size: 13px;"><em>MMD:</=
em> Should I tell my brother and his wife they don't need to buy me present=
s=3F</a></div>=0A</div>=0A</div>=0A<br>=0A<div id=3D"bestbuys" class=3D"hid=
e--mobile nt-bestbuys-quicklinks">=0A<p class=3D"" style=3D"margin: 0 0 15p=
x 0; font-size: 13px; line-height: 22px;"><strong>BEST BUYS &amp; TOOLS</st=
rong></p>=0A<div class=3D"best-buy__link" style=3D"display: block; padding:=
 7px 0; margin-bottom: 1px; line-height: 13px; border-bottom: 1px solid #c5=
d1e9;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/_fX0e6gFVS-Ok0pv=
9OXUmw~~/AAAHahA~/tCKbWeklwYN48Jjm1yl461W5lmnESTjiLX_fAM8nAK53KKGlKNIjb2TC7=
7COHO8qJaTZaJWLwzVB_0ZHLTMxWmbuT8_jVYZf9wlMcltMbIeuaYJcjabhsg1NuruCTNr1LCin=
GoJNrN8F8vDM1UCRKuIuepeZgMYzgaDcZT6iLdobnPVD9jtQrqtxZl72iSKuThr1IrOGFQlqqiH=
qJbHKZFJ3-0fWOBSJhlV39Zh8ONnCJg8qW2jn-fQhuhSXDPOWtXX7ZdVYK6UKfJgoVT0wzMuH59=
0r3BkOM1RtWcvDRNjEBQST8MoKWtu5Rh0ZkZjxqq6Zn7dtC6hWNoBzsc3gkG63OBrVM5vCKoC6M=
cM3-Sm56Sh0DZdrY4wzFNTo7nBU9YcfV1cPTuo5VjGpvMSgKRmzFdIepvXGaP5zqRsSMUf-FhXo=
kAZCBaCaZ9E_6tuGFbuptpy8d8OX6Tv0zQ5Q7w~~" rel=3D"noopener noreferrer" targe=
t=3D"_blank" style=3D"color: #0047D9; text-decoration: none; font-size: inh=
erit; line-height: inherit;">MSE Cheap Mobile Finder</a></div>=0A<div class=
=3D"best-buy__link" style=3D"display: block; padding: 7px 0; margin-bottom:=
 1px; line-height: 13px; border-bottom: 1px solid #c5d1e9;"><a href=3D"http=
s://clicks.moneysavingexpert.com/f/a/6B6KrVuFrHmzzR0kgv0pAA~~/AAAHahA~/UF2R=
ABMuxd8NgM5UCBWuaBzVFBZGkXePu6NuX8CV1sKUj8wWN_AXAN5ZUi0BUE5g09gNybkAKoAHb88=
4o46uwreCxU5MP16GwSS7Bb1nUIl7k_Ox7atJtXOl21bd6DKK-9l7Gb3hLmLZ4mXWZBWK7z6tug=
uj6g1biCmOs1BAXLaL1Kx6EvhSvoTsKwE1JYZzlapb8rT9qaVAa09CWpBe_F3qwo1hSluEfilHx=
ddg0UBtXBg4ToxWF7Ww9J_hvXJx3kxd2YwvCvs5ANst2xVlIJSX0uEyydl12y_vbNqoHKzPOOhV=
SWJpC1e3zdShOhSEJuqrPpkJhKWWFYAnYEMwMRer1UgxPeRD8e9mitYoPeN9BjckQ5t3In4tSTH=
9l0Rzga2q7ZPz29MoAfidFImrFrxM0WuXiuBp0cI8jNZ2U-P8TrGsww3QZc9G0NVXZ2CL" rel=
=3D"noopener noreferrer" target=3D"_blank" style=3D"color: #0047D9; text-de=
coration: none; font-size: inherit; line-height: inherit;">Credit Club incl=
uding free credit report</a></div>=0A<div class=3D"best-buy__link" style=3D=
"display: block; padding: 7px 0; margin-bottom: 1px; line-height: 13px; bor=
der-bottom: 1px solid #c5d1e9;"><a href=3D"https://clicks.moneysavingexpert=
.com/f/a/KVI-emozLcQzGktW8POJLA~~/AAAHahA~/T7VvDEsnYtgNApSJYivQGn9u3ONNV7u=
duX_BT6ApK9cPHBfYDOgMvHEfZ7QM2FIkcn6uzMX03TiO5bvVM4MqRM9iW2_dAyZPxEQY80j1Jy=
9k-k2rTr9vsvQqekuwbQ-DY9qFB07NmLgVm3_uHPTNM2Oovoo7Ddlrmlk2XtP9YU96NXqMnn-kF=
Ew8wCNPckdQel29T7j37eXoJumLZdD8f2Q20umkTVIUE3KFzIU-rwnbOVovtkbJUAAbrIUsRgVN=
yU2HtsA9F-lOh6s46F_fxAdCjeLfBueo-qW6h4xxvY1w-Isl_69wWVsK9K1MedzjZiBlRFjcK5A=
bSIIjIT8G0FawbdrsqYvWxH6xwrdmiYxxVZgplm2zzfljlarljw9vls8cp_qTd_UxqF57xyCyjp=
IntiL3AEVVjvnN7q45cz8UpXdrSd3X3IEtLViqQ4Lnn6uKJOrkB7kHr9ysjilqZiXwYEQVa_O1Q=
UrleCY1EZs~" style=3D"color: #0047D9; text-decoration: none; font-size: inh=
erit; line-height: inherit;">0% balance transfers</a></div>=0A<div class=3D=
"best-buy__link" style=3D"display: block; padding: 7px 0; margin-bottom: 1p=
x; line-height: 13px; border-bottom: 1px solid #c5d1e9;"><a href=3D"https:/=
/clicks.moneysavingexpert.com/f/a/_omcf5gFEgtyJ5jVmtpMRQ~~/AAAHahA~/pniLFzc=
7TuRBOHuhY82EzHHLyn4y5Ftvv51kUJV2rQa_ZwcNPXODKR7ki11ODogajilEVIJmm5KB6Y6qUu=
CMTrzJMu0LUQPawhkJTrPuM0YVk9SE96oYF_AZdeC2rgDc_vkwQa6NlCe6TORBSkkrbqoPzvzqA=
4UeicsvNSey33dnJhz0BmfK6A7FQQkIZqoedfwhYHyYyBK5IVOMjz2sYPaPFT1ZXYcq04IVn0Zd=
w_KQs4-WRw2QHi_xVB1DpRVucgqlGTbcSTF4q-Y-1UQMEqpKLqqY8jrNkEZjkwyXyjqVfWn4XLN=
K5SXvmsBwGIfbkp2NoGccQrj7fCzfdhK4tCvaMpwJ9rCQ16pwQLSmcYkMjOr0ZcjZf9BuNg1TFO=
Sxeh33jHixgn2DRFyYPwkXF_x9xCWzioTmPcPitn3XXXOLhNwexhj-pn_SX8DJ3Ltp4PLmFJPrZ=
eHfiYWS8N44Lg~~" rel=3D"noopener noreferrer" target=3D"_blank" style=3D"col=
or: #0047D9; text-decoration: none; font-size: inherit; line-height: inheri=
t;">Compare broadband deals</a></div>=0A<div class=3D"best-buy__link" style=
=3D"display: block; padding: 7px 0; margin-bottom: 1px; line-height: 13px; =
border-bottom: 1px solid #c5d1e9;"><a href=3D"https://clicks.moneysavingexp=
ert.com/f/a/uHLEzb8O9wgitYfIbsrFaQ~~/AAAHahA~/H-sAaWWg-nQfnTGqKLlas2KR5oWPa=
rRxEG7acwvkXf0gjgWHJQGSGLs7sH_w6jXSA9zo24LdUQTJ3VjQjTqyc_1z8G7Cx2kfG08I1feN=
dc5PVtn1IJu5G0KRs_pkImqj0FJCOA7jb1FT8uTFQSqdfSH9BStNvCpn01eNYo-DkM0tHUXy4ue=
HNm2ijMGAagqvyyK6DPTF6S4ozvQWyRDI4A_8Qh7Ek_YWqFo2NKKcQxfrmdidY9Q5WZyja0f8XI=
O1NbF_ZLtv4UQ_UoTWhcL4KATpTuDyL9_vJKDLdJYXUzmMmZRokPGCzQirAt4jA1vf5DJ8ukGnC=
SBQaIKahIMokUWVVU8bo_ThaVMQVXE93-ATHtGvqPcERbtrljsHlrjQHTgB9N4Glf0NDmYvbGSa=
zZ9tn5Mr1oC1kGMaC3L3-p5uSMTGDuhBo0xd2W1YRT60" rel=3D"noopener noreferrer" t=
arget=3D"_blank" style=3D"color: #0047D9; text-decoration: none; font-size:=
 inherit; line-height: inherit;">MSE Compare+ Car Insurance</a></div>=0A<di=
v class=3D"best-buy__link" style=3D"display: block; padding: 7px 0; margin-=
bottom: 1px; line-height: 13px; border-bottom: 1px solid #c5d1e9;"><a href=
=3D"https://clicks.moneysavingexpert.com/f/a/jwG4abqFwEWHPTXQD3AR0g~~/AAAHa=
hA~/X93c64WR4c9OBMnUndgep6YHr8xzyi2WKhzhRxAQ7bZGK_JZmNRuaLkB0pTZUj94Lkrggwt=
sL0h8utw-7YMIqbJo_9h_IWVl2wAe4kUAYH8U6puAo9TTD1GyndXFZqeSI_DDauX69pOzJA19iR=
YsKumv40U0O7lSPmA5mb8cAM4vXznkTBJ4dmeHcJatBmqeBX_EMpi_ur5bNua8Q1Fs2JoUrT0iq=
7IinnmNBbceEXrWVoqkosiZ-sXK8w8aCHaLLFzXfx0bRpsv5zKhLEKOOAr4OFXIYrga0kisXOMP=
3ZHTs2AzJRQzKZo47PVjL8V6ri-kX7nWcwW8EW82k01vxuM-UKYFMYZRbqvcG8CyJx681L50BBw=
TohO1bkpxQWcXJDdjKdqY2-x-Igl2XfFyfjv82Pm4S8IrLyxOy8lN-2sCJVG80dsEVuRFIn_T7K=
U5PN5AFnlnY6sJnDrIK2KoDw~~" style=3D"color: #0047D9; text-decoration: none;=
 font-size: inherit; line-height: inherit;">Best bank accounts</a></div>=0A=
<div class=3D"best-buy__link" style=3D"display: block; padding: 7px 0; marg=
in-bottom: 1px; line-height: 13px; border-bottom: 1px solid #c5d1e9;"><a hr=
ef=3D"https://clicks.moneysavingexpert.com/f/a/myKruat5LOhR-m5ZgG39Sg~~/AAA=
HahA~/lX6xbdVUJqrKqHDwbbB5ygdz0zAOtywvZHZx8MOKXT4c89jqu6F_Q--2v9_X1THVhKTB-=
WjdXGhekHQjSU6WV_8sV9R_iu-fKjkWAe2R6siQNHnsNiGDcEBZo8dT11xar-ScV1mWf3mCkOdh=
XbRSoOwop9mvoC3MuXWdbVgs2ZGMlpxO-upJCX24pYzS0rCqVa_U0jdZF-z9bxeuuoOzqrncA-t=
h2d5ECT3a_YF8eAKhARhUhfL3kZLW8ngv2KGQ40ybA776PiW3jtfdCHtTmW8SC4puQMfEHjU8sH=
PxXdVmAKUGuhBCUfR04LQFLjJR9z1P2WsR9qmqMiTstJjenHjS_6W3p0P28qw6jj7KlXx1l0eh_=
Li8R4DjmDWLMkfCZWihmEJKIeosrGZeP3NZVGLIkTmKsG5zUdWU5C_BC9CShFL6RIYiOyT_98P6=
Q6r_e6Tyw3yA6oeu6qfKa8TnnSHGxvia7bmKlxubXdpnu1U~" style=3D"color: #0047D9; =
text-decoration: none; font-size: inherit; line-height: inherit;">Top savin=
gs accounts</a></div>=0A<div class=3D"best-buy__link" style=3D"display: blo=
ck; padding: 7px 0; margin-bottom: 1px; line-height: 13px; border-bottom: 1=
px solid #c5d1e9;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/yjiR=
xtsgEuC8ga6SXWaDOg~~/AAAHahA~/WUDXVZ3YGCUvuTYg10ZWev4s1CQkV8plnhgUkByg1tEbA=
IyNZpG6LgeeFc5Xq4j_HAFHHgKdbYNVqr9YvkIxdj6TlyWVz4pXkB564FBnw1NAH8sp5XZCOE-9=
U5OcLXDSiFNW6o6v3gcE8WvAwXvXP061jMb3-Y5QwmAxkVnhUw_J4SoTLFwBxrg_xAj6jL5CzEt=
f-4CDyin4cEit3G0oGw8IVxmk8_a-VUVgjsoPk22mTZKoMJw7W87Ib1yABwSyVK-LOMYr5Lwr3U=
CFjbLQgrduHhDx8WFwUrEYxR2I6kR471VJstwrEh4pOgDgXpK8cdcX-kjsBAUOYrHuN6BeE3Jth=
uPZ6BpASxS08nCB-WQe6tjgcIaPYrX2oCXqBwIoHeSyfJOqg7QjA5CkmQTZJhTQlviZjskgH95S=
2tDt9PHNYhnyrXbdtmi_VmNaEMUo_9FvRPDOvR2lRh2vc_Cp6w~~" style=3D"color: #0047=
D9; text-decoration: none; font-size: inherit; line-height: inherit;">Credi=
t cards for bad credit</a></div>=0A<div class=3D"best-buy__link" style=3D"d=
isplay: block; padding: 7px 0; margin-bottom: 1px; line-height: 13px; borde=
r-bottom: 1px solid #c5d1e9;"><a href=3D"https://clicks.moneysavingexpert.c=
om/f/a/lN69MnOHBI8JhQTCw9mOqg~~/AAAHahA~/LXYZ8ZRiyVs--tKjya7sMeo-GGtn8En5Fn=
4FXJDPvYT_wlEqp3X23YGlHRhkRuWeeLvWxnkTWaCMca6syffU3g88IbI63jZ_QhuX6TVoUPcjY=
BnMDxkEpFk1cbymL6n6ZK1V6BAZwbkspz2uE22HxmKVM0hhCGJjrw9jjSJBZP-QbU1gNezRAzuo=
8v0RvIk7rDPmClN8XkIMe0heoG0cVlyKUNTfZHZpoae4tchN_N2L000mPZTRFSR2yAfwYGGBBn2=
At513aKJ8lQoxwXoePe6-WpBy8REB8d4WEIFA2L-IfpxtJuSYV82WhPE1L0sH0nYV1MQjExvwII=
5BdYKWDexl3jj5QWWUz53EZjhb4gqGCZrlCyEI9md1BPB47vk5QRwB0cCfWtc_4csQUJM5qAD_k=
Qyr_Pk_VpRR66nAp1C0aLy-68k6evGjg4gKAyCOTOaO-vwbSeUu_f5s_FZxkQ~~" rel=3D"noo=
pener noreferrer" target=3D"_blank" style=3D"color: #0047D9; text-decoratio=
n: none; font-size: inherit; line-height: inherit;">Credit Card Eligibility=
 Calculator</a></div>=0A<div class=3D"best-buy__link" style=3D"display: blo=
ck; padding: 7px 0; margin-bottom: 1px; line-height: 13px; border-bottom: 1=
px solid #c5d1e9;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/_NIg=
EYKch8CjPRkY9lfR4g~~/AAAHahA~/WUDXVZ3YGCUvuTYg10ZWev4s1CQkV8plnhgUkByg1tFCA=
IxRLvflC-0O5d2qwxlKUkjtDnd7XEUD9O_Sth1Ll7a3-24df9wDVTTSIVGStpbY5kseIjYFcTYC=
DgVu71b2_a_GuF5pD7y_wtx3CgjkinZWRW0GlnNXR50TxAFI2JHrt-ZCfbBbfN2D5YQs1sWtbBg=
EwiEfWiCotr2RhOjOeWssft7LPLlHANWs8ce31ciNdt0RM8vhhwJewZ-2Ry3L51khffK5_qmLJU=
9ypmJ2sTPvTUugNc1Vy6JedTgT8gpAsRj2F1OFXy_oeqbEolNOrNQ83A0tSrWnnqpge-T-BlSHV=
ffm0DXnY1ZvbwNeCjpXudApc-CcqyD3WJa0dhaFRimPyj-fUoOSncRkOUbmDp-nIeFCqdFuqVlq=
aHklrA3sKG6QyqgnP9zvF44ubSZXVGJN8R_Xk95yks4csPGSlg~~" rel=3D"noopener noref=
errer" target=3D"_blank" style=3D"color: #0047D9; text-decoration: none; fo=
nt-size: inherit; line-height: inherit;">Loans Eligibility Calculator</a></=
div>=0A<div class=3D"best-buy__link" style=3D"display: block; padding: 7px =
0; margin-bottom: 1px; line-height: 13px; border-bottom: 1px solid #c5d1e9;=
"><a href=3D"https://clicks.moneysavingexpert.com/f/a/_I2w3w9veLPY3itSmqNAd=
A~~/AAAHahA~/POiODKj4rD7AGHLGRXaU4PYja2geJIEfi_5izwXDY5nNKT_R0NKMb4zLDzjY7V=
C_qkGd6WDYy8P8yOKWbafF8T9_53t9btKxl4mWu70pIKzBcqvK7wTdkS3DCOpAqL2mF-vZ3qBHy=
2klmSSIwfzXqpIsPy7m6v-0EZwXX71qyteJu3ptwth_HzkdpJ3AKFl065RCS0wKkVZadOtVy5Rx=
Cr5ZtskOBr2xg22mMdoZHSv9leRST4m9hgWoYshCW_amoa3p2cK_YyTYLEJEnT6DC0yS7A4qw8_=
vAE223Q0Xg2hT4tSIVn1IXhNqt-3GEe3AiPQLRFTYIt6X8-Lg_peg4I_pAu2fd85UBDZo4bkyZn=
JQT_QbSssukhRHK9-N9y975mVxO6ra8y6PHTxtZQkfagtoQrnIEtYje3n_D-WTExCFDF9JkxmKj=
C_4BeRhMJKE" rel=3D"noopener noreferrer" target=3D"_blank" style=3D"color: =
#0047D9; text-decoration: none; font-size: inherit; line-height: inherit;">=
Mortgage comparison</a></div>=0A<div class=3D"best-buy__link" style=3D"disp=
lay: block; padding: 7px 0; margin-bottom: 1px; line-height: 13px; border-b=
ottom: 1px solid #c5d1e9;"><a href=3D"https://clicks.moneysavingexpert.com/=
f/a/mrToWX6rK4x1vmfdexNiUQ~~/AAAHahA~/XN3WXCW4ZJ6iaWMyJ5uxil_8MJBYZd7I2GWdz=
87qaOFXuHeGwlndjqqSBNmnno0l0r-NPwqoZHEtTE39V3mjm6ddwPKGcverLLVeZ57rJ3rXIF7l=
z1QKqQcvYeJ9cFaof5Vazlj_ydsSa2M26HTeZgyDfiYDYvoSGV3A3Q-FHv24jSYH61xgtFdd36F=
AF4BpJMNP0CirjTtb03IhBw_5e-5NEA-trvLi9VGp3fC5SFEJ1rjk5pMKgddstzZa0wBaZuTAOf=
mx0idriA1MXaTZGv3dEuH7kdoPqyg5LpD6_Ay0pRiEwvvqIlG5UnRBxPs_Fk1HVRQ5QD1H_oZ55=
fhbYJ97Wpdxy6TdeoESftWL7sN_rktFE0w9z52MyYIGlRJglVf88vTobKkRvNNSYuogLJHK8J5Q=
wvEemjbEwmmSufS30dNZLHbayaIMGqVsInWY" rel=3D"noopener noreferrer" target=3D=
"_blank" style=3D"color: #0047D9; text-decoration: none; font-size: inherit=
; line-height: inherit;">Compare travel money</a></div>=0A<div class=3D"bes=
t-buy__link" style=3D"display: block; padding: 7px 0; margin-bottom: 1px; l=
ine-height: 13px; border-bottom: 1px solid #c5d1e9;"><a href=3D"https://cli=
cks.moneysavingexpert.com/f/a/Rco2bwFSs_byjzLuSfvKGw~~/AAAHahA~/9rfRdgfZcOV=
irfu4wzOPHmbfFjPu5NcalemBzlNT9GBhdMf7pLDTNWRTnAQ36O00D9jpsVlZcaz6f22f-puq_n=
Z4w80C6WS1HSjGlnUch7N5t-69UKpOnmn0rH5UB3IzVcFLNhYqAvRazoKbMDD_qIL2Mb0RNEvgT=
dR8fVZmbkXizDrA2wEGCj8UB6ajG9BA5F9_u7JWtKzFQ6N-TD7znavowb3z1U4geg5aEYd-5oDc=
ZD6dWGC6RDWpX3-Cvg5_ik4BhRgvwR5vZWdjKe4RWkoUTAtNiAMNgTWnkV-ok9iBYiMEnHBUQBy=
9ZrTbhnWcQjXYlZCNR_wBLKKZEOa398UVqys0WgUdfoYlH7daAMbJ5QLpkmHEcJ1R3yLAZdWlli=
9BK5ixUVpsSjBOirY8hmJJUhaGznyj1ueXj6_9DqWKA8mrSBWHVdBJbFPNn6fB" rel=3D"noop=
ener noreferrer" target=3D"_blank" style=3D"color: #0047D9; text-decoration=
: none; font-size: inherit; line-height: inherit;">Cheap Energy Club</a></d=
iv>=0A<div class=3D"best-buy__link" style=3D"display: block; padding: 7px 0=
; margin-bottom: 1px; line-height: 13px; border-bottom: 1px solid #c5d1e9;"=
><a href=3D"https://clicks.moneysavingexpert.com/f/a/Kza3NRWrO-quEVcbEqqE_Q=
~~/AAAHahA~/2lT-zcpl0DRRPdIJCXkAGluPp-eIoQ5plmM7MhB7Q76G-WNSBdGKEjTlE86XNxw=
ETUbawxGcfL5Z6GqfQ4kfNH2rF8KrWEMlfyviPKZX8Pab8TUBcQgs2_gZNT5JCHB-oQkYIl6vLM=
3OGNSPm5JdJNJC89oxRCXc73PgTxoziR24E9s8NiFvFZUMY3pEKJiU0do5tWsD2ZPBKfcDp0f9S=
hjLs2cntPL4ZaS2yfB6lFFprmbPrBSjU2MxOsSewC3A7hXUjIG5VRP-2pCEqxU6rlLXXXL6PLVs=
E2dXsIIzUaLlRfoazHtdUgyrs-2ot_AvMmjlioVNI1SXaToj0j_Flle5v2Jhx9EsMd18JB_cfp2=
EXf__MnAxSziryxHY1GWWL52ECLiwWukWjxCfynEn6WUDPZWUQC0ZhGTvqbHKAURk_n6upkfiaS=
4BB0WbDWrP7lDMMdRMuHOCmdU2CvuOSw~~" style=3D"color: #0047D9; text-decoratio=
n: none; font-size: inherit; line-height: inherit;">Best Sim-only deals</a>=
</div>=0A</div>=0A<br>=0A</td>=0A</tr>=0A</tbody>=0A</table>=0A</div>=0A</t=
d>=0A</tr>=0A<tr>=0A<td class=3D"full-width" style=3D"width: 100%; min-widt=
h: 100%; padding: 0; margin: 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: separ=
ate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; Margin: 0 auto; width: 1=
00%; padding: 17px 13px 0; background-color: #fff; border: 1px solid #dee4e=
f;" width=3D"100%" bgcolor=3D"#fff">=0A<tbody>=0A<tr>=0A<td style=3D"paddin=
g: 0; vertical-align: top; font-size: 13px; line-height: 22px;" valign=3D"t=
op">=0A<div id=3D"hiya">=0A<div style=3D"font-size:13px">=0A<p class=3D"sec=
tion__title" style=3D"margin: 0 0 15px 0; font-family: museo_slab700,Helvet=
ica,Arial,sans-serif; margin-top: 0; margin-bottom: 8px; font-size: 24px; c=
olor: #273157; line-height: 30px; font-weight: bold; text-align: center;"><=
span style=3D"font-size:24px;display:block;margin-bottom:-20px"><a href=3D"=
https://clicks.moneysavingexpert.com/f/a/zGUBE6oFhL7qCqNapt-HMQ~~/AAAHahA~/=
i0eAXCM18azCaeOE1zZku-E4XJ3c9I0T-UP-c_sqqmp73FvlCwWJyvMw7NHUr3fsnLDIzMFUgW9=
QtGo6_hlH2mcjIKtmxBwa2j7aLUG6b2lxPSLvEDX7Uqr9t3a6wXfx0Hp-k0AtVPEEFVWvcHJe1V=
PA5QzCsCy68UTOUx5puNO695eqBp0UTA7NXH6XzJ5jQ-IvQGrn_2O-rU5Es3lARyAG51wItK2vT=
FfeoKd9uO6UaZg90R_8NsDSak5VPjNHaxdKNHlkJllHoWSLcpGX3T-wxYfAE_3oYLzewP4-dXvh=
cj6jz5XJOCUcFrRjm8JSX1nAiegIgfgOGIBmrDCGdAW3LULIxPytbojrX-QyAHjDcQRAGAeYPML=
S5WKskEJ6MH7ho7WHT2Sx9W6K-g7g1NpomHM6DHC8d54yDutIRpo25oyhvr2NakRpCCN3jj7p" =
name=3D"hiya" id=3D"hiya" data-eligibilitytype=3D"" data-eligibilityurl=3D"=
" style=3D"font-size: inherit; line-height: inherit; color: #0047D9; text-d=
ecoration: none;"><span style=3D"color:rgb(39, 49, 87)">Martin: Do you have=
 children or dependents=3F What'd their financial situation be if you or yo=
ur partner were to die=3F</span></a></span><span style=3D"font-size:32px"><=
br></span><a href=3D"https://clicks.moneysavingexpert.com/f/a/kIRB2ovdpalgz=
8QpW479GA~~/AAAHahA~/i0eAXCM18azCaeOE1zZku-E4XJ3c9I0T-UP-c_sqqmp73FvlCwWJyv=
Mw7NHUr3fsnLDIzMFUgW9QtGo6_hlH2mcjIKtmxBwa2j7aLUG6b2mKMOOfeCYBpiodKKRMS_rep=
_-w86sD2lrlN_uYA2qshAj5S0m02kKC9uy2Rb8GtBA8uM7kduhvfO-I1Dg7QTUPQAv7P2qReeZv=
ojui4voeBVmArJclFNv-n7luR6X73ps2Ko0ynW0AvIW_XMsZJjutTgKsaJ10kfOvbtmfb2p2hgz=
yMk5O_FzH8RQxE4Po5wXWy_PVJX5xu7f6PdAy0cvQOqtGTYTDvwzHJqO4MDRWr2zLONKCCsH-w6=
GyvBoNXDidGx_VBgSyFQQ1wxrVGC1AGLEYN_XVH60JTTgxESBLPA4mWbyG0gohu2cOXAMpXRUmG=
VtFD0b329Uayh6EL05C" style=3D"font-size: inherit; line-height: inherit; col=
or: #0047D9; text-decoration: none;"><strong><span style=3D"font-size:32px"=
>New. Cheapest level term life insurance guide</span></strong></a><span sty=
le=3D"font-size:16px"><br></span></p>=0A<p style=3D"margin: 0 0 15px 0; fon=
t-size: 13px; line-height: 22px;"><a data-tip=3D"msetip~hiya~4" href=3D"htt=
ps://clicks.moneysavingexpert.com/f/a/4FmZMlFy2HVojYNfdzy5eA~~/AAAHahA~/XN3=
WXCW4ZJ6iaWMyJ5uxijyb2LUh5dTQKqQpTSiGB39T2fwhgTf-pk2k0lq27ktvtYSd9vM5aG2EDr=
GEkypEyiEvWlaAFAsHdir-0yhfl3hTOgBwVGwOH5SGTY942AhnzOAzlIfwaZrjxfN569rCM7rXA=
sKYOUxqdiv9CFEM-2s_onNCV_by2OKOhLlgHg7CV02NJN7MXY1lOBla_M3UsyzLtHo1cA7oRWY3=
Alv9B1s4Q-S5jHnjnCeIJCVGzwB_gU4KpdR8g9pryMR8YaSrQIWiQD8uPZJB_6IQdihwTY1462R=
_pkquBvUhoEzNh2RXXfwu1EIGqCvRWNyhlIJh5ynQfy8PQZfR_lgAp4TC4MriIk649S37vMv8C7=
-DW2hlb5Y6hJBPIfncb-0JPr9jmhdu9WqAopylKlepiim0nULVclCraCMf_mzj977D01hZ" sty=
le=3D"color: #0047D9; text-decoration: none; font-size: inherit; line-heigh=
t: inherit;"><img src=3D"https://images7.moneysavingexpert.com/x1xkqhj4w3lh=
/4qDJzgUjm9rvJIaF5UhUjk/8129e747c7dbfec86c69e876797bb243/martin-founder-new=
_6.png" class=3D"fr-fic fr-dib" width=3D"66" align=3D"right" alt=3D"Martin =
Lewis, MoneySavingExpert.com founder, whose image links to his official MSE=
 biography page." height=3D"97" style=3D"outline: none; text-decoration: no=
ne; -ms-interpolation-mode: bicubic; border: none; float: right;"></a></p>=
=0A<p style=3D"margin: 0 0 15px 0; font-size: 13px; line-height: 22px;">Thi=
s is unpleasant to write. Roughly one child per school class will likely lo=
se a parent before they're 16. It may be through illness or, as when I was =
that child, it may happen suddenly. Either way, it's devastating, and can u=
pend the lives of those left behind. The pain is easy to foresee, but it's =
important to consider the more prosaic financial consequences too - of the =
potential loss of income. Would the financial hardship compound the grief=
=3F</p>=0A<p style=3D"margin: 0 0 15px 0; font-size: 13px; line-height: 22p=
x;">Our new <a href=3D"https://clicks.moneysavingexpert.com/f/a/2-TZhQXCzsp=
zPpZJjYD6ew~~/AAAHahA~/i0eAXCM18azCaeOE1zZku-E4XJ3c9I0T-UP-c_sqqmp73FvlCwWJ=
yvMw7NHUr3fsnLDIzMFUgW9QtGo6_hlH2mcjIKtmxBwa2j7aLUG6b2kTLzKmvljqKnlC-TsoJ6Z=
V6FtsPZ92ZimWbWDIlDLj-UukQpqx6DlfiEjRZbXmGrKp2YYsIonQF2QcTp5MYyw_DmfkDJPvfa=
Mna2mfhH5swoUipbr2I0OlTZH4Za18q1pd6eOZ4DFAGYjqszYZ1Q_eLLimSED27O6pkr3crVExA=
FB9g9hgjPk01nUr18o2bm_Lb0FEx9oowuWlaZ8xk56h_RjeqWjQgOnDTXafhYK34iSa8SyF8omh=
T7Cncztc5jJQzb4FB-9UX5_K_b_wJcCXkDOwo4d459CvPE-SdyGNltyrpq8nny7U0l4Rled6AIT=
2ysdZabGOAV4UJjAG0ViT" data-eligibilitytype=3D"" data-eligibilityurl=3D"" s=
tyle=3D"color: #0047D9; text-decoration: none; font-size: inherit; line-hei=
ght: inherit;">level term life insurance</a> guide will take you through ho=
w this - what is usually the simplest and cheapest form of financial protec=
tion - works. It's often called 'family cover' and helps you plan for the w=
orst. <span style=3D"background-color:rgba(0, 0, 0, 0);color:inherit;font-s=
ize:inherit">For most, you just need to decide whether you need it, how muc=
h cover to get, how long it should last, and how to&nbsp;</span><a href=3D"=
https://clicks.moneysavingexpert.com/f/a/DGD1m8yhzuc6nFthw-QTrQ~~/AAAHahA~/=
i-IfHxZuay3KnYuadz9VjWVq5-t29RGV0WaVte8a-fehdT_ZA3nwebDbUBc7B3kP3lEftjyyg4x=
Eh4tGjuNVtKbwHWSdkBKFxXEppemoiK9yJogZB9KOWt01O1mBhBKg99d__-xObiwRztOKnxTvI1=
bLWk-qs6GtDwo67ThZl1E0BJ6MI7b9NzYSr67umXbEgIsZ1sGRNDyr1aEdK6nTiEdOZOh8nopLY=
IgCrnMHlii13VrwU6G0SjQWmCFv_yiMibXs-BnrKYI3rWhyHidHvK0jbRwAHh0FPg-D-1kKZKe6=
5zQBoaVHGtC1ohPSmw4x9fqfYYw8TTYQq79eJTvJcSlQVXNdN0eRkPwPvczav68bmgXSbxYdtO2=
M-PgsMVIZ5ZjiRneoJ6ZhAkwfmc-edD2DIZLkvEOanTkIBLb-lACQWHc-txxPBxd_-mVslk8AnO=
K4QtZXL7Ekrt3NOPxPeA~~" data-eligibilitytype=3D"" data-eligibilityurl=3D"" =
style=3D"color: #0047D9; text-decoration: none; font-size: inherit; line-he=
ight: inherit;">buy it&nbsp;</a><a href=3D"https://clicks.moneysavingexpert=
.com/f/a/72GgcWMaV0qDGEnsRZbp4Q~~/AAAHahA~/i-IfHxZuay3KnYuadz9VjWVq5-t29RG=
V0WaVte8a-fehdT_ZA3nwebDbUBc7B3kP3lEftjyyg4xEh4tGjuNVtOLM7sp3jjhYKrC5kzn1VG=
3Q58GM649LOFoGPTA1-dp47V4gPGmYGnGpdTSg_zowKD5kbwr7GozPdfhx0xRVQfEoY8IWRzRil=
GL9DHEMrB5WqN6fHNyttUMOs-E0Wvv3CJlw8wdvWIvBx1UA6xohXdY2EpCDYoo2Js97wSUft-Kd=
hSKDYJJhC9l_Npbi84X5eDLdF4KSVKH4sAFJ7pGHZ7332NYSAC8dIem2G525PYzoWngkWozLdeN=
Xd77cnh0_5Y_Ar4X-MhSMZdeGYPUJYCLQJ5OYbESiHq9Bm6IdTJT1v0flvf2kAaU0ue458C1NI2=
K0VlJTyTHZ9sjNpHZpSChDVDLNvG4C1sirY4ClpFMxqXVpnFui7hzOVFoG5L-bBA~~" data-el=
igibilitytype=3D"" data-eligibilityurl=3D"" style=3D"color: #0047D9; text-d=
ecoration: none; font-size: inherit; line-height: inherit;">as cheaply as p=
ossible</a><span style=3D"background-color:rgba(0, 0, 0, 0);color:inherit;f=
ont-size:inherit">. The=0Ateam and I will run you through that briefly belo=
w, though the guide has far more detail.</span></p>=0A<p style=3D"margin: 0=
 0 15px 0; font-size: 13px; line-height: 22px;">Yet I hope we waste your mo=
ney. I hope it never pays out because you live so long, it isn't needed. Ju=
st in case you don't though, if it applies to you, take a deep breath - let=
's be blunt, practical and get on with it.&nbsp;</p>=0A<p style=3D"margin: =
0 0 15px 0; font-size: 13px; line-height: 22px;"><em>PS: A brief plug for&n=
bsp;</em><em style=3D"background-color:rgba(0, 0, 0, 0);color:inherit;font-=
size:inherit"><a href=3D"https://clicks.moneysavingexpert.com/f/a/Tfz4Rg8__=
uB45xZDW8BRBA~~/AAAHahA~/Z2C31XRTCgLNnpfd5DtVhOT1i2ugSeKBQuMJzgVP3wOB8eh9Og=
iSqEeYUdbIZPthSlb3Tayq1bD-u9-c6mI9mfPWXxZsrLmerMV9ONgAQ9dzxFFD3wsFl7xhdEv4b=
cGF4MAY8zJMsd2cB1LO9yPglQ~~" target=3D"_blank" style=3D"color: #0047D9; tex=
t-decoration: none; font-size: inherit; line-height: inherit;">Grief Encoun=
ter</a>,</em><em style=3D"background-color:rgba(0, 0, 0, 0);color:inherit">=
&nbsp;a brilliant child-bereavement charity I'm a patron of, if a child you=
 know is grieving.</em></p>=0A<div class=3D"best-buy__header" style=3D"font=
-size: 15px; line-height: 22px; padding-bottom: 2px; margin-bottom: 13px; b=
order-bottom: 1px solid #bcc3ce;"><span style=3D"font-size:20px;font-weight=
:700;background-color:rgba(0, 0, 0, 0);color:inherit">The 11 Level term lif=
e insurance need-to knows...</span></div>=0A<p style=3D"margin: 0 0 15px 0;=
 font-size: 13px; line-height: 22px;">Different <a href=3D"https://clicks.m=
oneysavingexpert.com/f/a/GKsR7Kmj_eGxxTlXM2-HmQ~~/AAAHahA~/zRZNEA3-P3iQ1DkA=
A0Apd1xcoY-BZOPmE5sjWi3BMYSoM2bK_Rg7hqG6pHbXIl2imulsAxFD9ClMppvpGTiBPbYvNjb=
9W_2luLzXBK1Vj-h6_SyLq5tC7suvfpBR_1NbPazm6irQcY2l9YT-xhpQ_eQhpnGgOTcvcZiDqB=
2UFXAToppn17p_e3dCjQlzHc7oXa3CgCKW1xUc39Q9oQqFJ0NCjeIio8LOUK4YJpqhbpAqfpZdd=
9psdHEAX8uxdZIgzVyDL5x0uSJbac8zBT8IQFZpLVD_ZN8xu66JOu-ffymjBHmZ3zn1ur6ynxJb=
tOOxr-GkQZSa_Kga917qO1JIsYPZRbmgbsJPUnt05iBxUKxHCoABa5HwYmmJUX9LFsTKsAApjse=
6HYgRGcU1UTl59IYiIr2iL6SEKtasa3jdO86Xqpw-8XjN_-7lTkQCZU-QAwwmqSikuGTOORUJUw=
VdyafxWumoOL7TwoLSgd0gNd4~" data-eligibilitytype=3D"" data-eligibilityurl=
=3D"" style=3D"color: #0047D9; text-decoration: none; font-size: inherit; l=
ine-height: inherit;">types of life insurance</a> have varying purposes, in=
cluding inheritance tax mitigation, mortgage protection and some legacy inv=
estment products. Level term is for family protection. It pays a fixed amou=
nt if you die within a set time - for example, =C2=A3300,000 if you die wit=
hin 21 years.&nbsp;</p>=0A<p style=3D"margin: 0 0 15px 0; font-size: 13px; =
line-height: 22px;">The simplicity is useful. The amount is fixed, the time=
 is fixed and - providing the insurer is reputable - there's usually little=
 argument over whether someone is dead (though if someone takes their own l=
ife soon after taking out a policy, it can be invalidated). So price is oft=
en the deciding factor.</p>=0A<ol style=3D"padding-left: 0; margin: 0 0 15p=
x 20px;">=0A<li style=3D"padding-left: 5px; line-height: 22px; font-size: 1=
3px;"><span id=3D"howmuch"><strong>How much cover to get=3F</strong> The tr=
aditional benchmark is around 10 times the higher earner's annual income (a=
s even if it's the lower earner who dies, the higher earner may be unable t=
o work as they did before). This is a useful starting point, but it's best =
to work out exactly what funds would be needed - including clearing debts a=
nd meeting outgoings - and to factor in inflation. Also factor in any <a hr=
ef=3D"https://clicks.moneysavingexpert.com/f/a/SW_EvzwXUq9u0vv4r2xOCA~~/AAA=
HahA~/7h7pnL-DNd2gFfjwejN20KyZYnKjH5nRIhysPh8K-6ZbsINSnPqV12E0tf-Iuyy0ZlJbZ=
5mKnbSEEol02mheCmwfROuCNCDXsvAoODQQSOr0lWi5TyJmBbesHJPuDMQ6PHAURpsOcS9dpo7W=
dGwgnnfGmoOwEfuXyF2nQj5kDELpsolSjdiWTxNV-kroisuyNFr9KOKoS-FtRyeDkukhItg-nBS=
d_NGhBhmo8VNgoJwA0pp8fJA5jN1zVL0Yk_GAbYrWd5-GAdccu4Z58cH9GcJXMINpEeeTmck7bv=
OZDHdOFYFICIKLsqfJeUiNDu2yHMeJ7re5x6xjZ3KDaicySCQL8kYEz4jKLJ4JYCJfgIkC8aULt=
0vcK49_Q-E2tHCzmPyYapdMf59qRpvctw4X0795WIR29J5V0urxI-XVOWZrBa4eoKbMrTL5rLtF=
BfG6" data-eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"color: #0=
047D9; text-decoration: none; line-height: inherit; font-size: 13px;">mortg=
age term life insurance</a> (designed to cover your outstanding mortgage if=
 you die), and any death-in-service cover from work. There's far more help =
in&nbsp;<a href=3D"https://clicks.moneysavingexpert.com/f/a/HM5iwTDF1yjLTgG=
GMhmI6w~~/AAAHahA~/MpJFXUMFUrdCi59bEng9SpYsrU4zMQqKaniHz1DzfgHUllhLmwiRnO6L=
_Eb_Sz99RP57TsfrLjLRo0pxESSBvdYwj_LeVWCybfLcOzU_CYufOkX4H0wINfM-rEPcIwmuxVW=
FWXfg02UVcJc_KzJoHoEWRIeaMhQB4uNbNO4nghuBBQ1vOf3NffvGabvWYn00_p1ST3HHhlY6F0=
D5LqNOv_pqu6Qmym3ZeJNnq-gBWG099mwtsgvVxEOhZoyd4lRY7tII_2lT7_b4NXeEkfQlhfEqT=
kjV7SRHoWvLjsFLGRDLSV7wILEnq0qoigwMmDrAeA8CepNKaP-oMV-o5f5PBany0l3rycH8dD9i=
Fs6NSr-RUVum-aMLVHq675LpR-48zZ_8_OHV2r34kYYOKLFXJw0G3zHfPfh-UIO79Gqp--1TgSV=
GvMt_9BfqAwqt1YMd" data-eligibilitytype=3D"" data-eligibilityurl=3D"" style=
=3D"color: #0047D9; text-decoration: none; line-height: inherit; font-size:=
 13px;">how much to cover=3F</a><br>=0A<br>=0AAnything that shortens your l=
ifespan - like being a smoker, or a history of illness, or even a dangerous=
 job - can increase the cost substantially. If you find covering this amoun=
t too expensive, you can do it the other way round: work out what you can a=
fford and find the max cover for that amount.&nbsp;<br>=0A<br></span></li>=
=0A<li style=3D"padding-left: 5px; font-size: inherit; line-height: 22px;">=
=0A<span style=3D"font-weight:700">How long for=3F And do you want a fixed =
price=3F&nbsp;</span>Most people aim to be covered until their<span style=
=3D"font-weight:700">&nbsp;</span>children finish full-time education or th=
eir partner would no longer need the extra income, so possibly until pensio=
nable age. See more on&nbsp;<a href=3D"https://clicks.moneysavingexpert.com=
/f/a/2pnzqLp7fmRD5Wf4raQ9Ww~~/AAAHahA~/POiODKj4rD7AGHLGRXaU4PYja2geJIEfi_5i=
zwXDY5nvDSU7KsIl7wjTXcVkJI5r8AsmBkKEI9PsokbFKKOYq_al6xsHod2hnPeoAJsnlNYZOJr=
Bshvx98Plz0goNcZmuFJxDl0R9oKVt4pKjw1qRia0O9uIUMhVdCZmY8hEox-tnyoLT0mzbXNx_K=
2pux0QoiMf6gdPhZ6EN_oGG-HxgfVPkSpXK6f6xtUoMPiyKgPDltOwcgzcDeCg-iTe1GuvrNfI0=
cmtLm8dns8hhfZAVg4w3TiQCw_KXPVec1kha34iacl-CWuE8GuVhTMLkleVFhtSqJpXa96NZFzR=
QAKxxhM4oWMZxCxdFh8JcE7LDl-UfzTID1nKirMxhwdxrAezZdlS7Ld40hzS2Ne75aJJYwBMiqV=
m9XZB58TQi5LndjwTQNjB0O-N7rSsybajrpfq" data-eligibilitytype=3D"" data-eligi=
bilityurl=3D"" style=3D"color: #0047D9; text-decoration: none; font-size: i=
nherit; line-height: inherit;">how long to cover for=3F</a>.<br>=0A<br>=0AP=
lus, it's worth checking the premium (the monthly cost) is <em>Guaranteed.&=
nbsp;</em>This is the norm and means the cost is fixed for the policy term =
unless you change the cover. A few policies are <em>Reviewable</em>,<em>&nb=
sp;</em>where the price starts cheaper but the insurer can reassess and inc=
rease it at set points - potentially making it costly later. This is more c=
ommon if you link the insurance with&nbsp;<a href=3D"https://clicks.moneysa=
vingexpert.com/f/a/eOd4H4OXL0t24EItBUkPYw~~/AAAHahA~/H-sAaWWg-nQfnTGqKLlas2=
KR5oWParRxEG7acwvkXf0yNBZUrXf45tEW-bcIZHS3Cz0oySppIamQSv8FjG7A7YKtd4ehQG_HC=
6LlLazNouEa1-mOVDSKUQmACifnpTPcFFKrkZ3n55nxZo7j1CSlYXwqdEdIOoRxOABftbPjXRoY=
eO7yv1fTVHqwcGTqnS2TMopLOdSq5PNbxtNLWJMohFUpiH7yoYlQmNq5tyqtEZhkUzZjS1HAr7-=
OJ4OVLIv9kYi9-t7pweaHu0DynhtfiaRn07zUn3N63CrPQ0TTRo1j202kZNcNzq6vcXE7Qe2GFJ=
gJcdgTNx9ttaIVjLZyrG0eRxV_YdfrBiOiZ4fNpxU-PJqsgWyh7tIpcLLwov_6K2d3Vxs_qr8Os=
CsdB5mfV5y-0S_VVVomo5Gh4YYh1ijEkBQCAXvof7gFCqYt9t4V" data-eligibilitytype=
=3D"" data-eligibilityurl=3D"" style=3D"color: #0047D9; text-decoration: no=
ne; font-size: inherit; line-height: inherit;">critical illness</a> (a more=
 complex policy choice).<br>=0A<br>=0A</li>=0A<li style=3D"padding-left: 5p=
x; line-height: 22px; font-size: 13px;">=0A<span id=3D"cheapcover"><span st=
yle=3D"font-weight:700">The very cheapest route is via an execution-only (i=
e, discount) broker - but ONLY if you know what you're doing.</span> With a=
&nbsp;<a href=3D"https://clicks.moneysavingexpert.com/f/a/mROIPKe3LrDN0gOuQ=
nKuzQ~~/AAAHahA~/mcoVoA4blH1F9ynRpEKgo1yN2wN7q-16vzJssIDRgF8Kh_Fj8l-yUIIlUO=
YvXGC_K-8lwGygsGKKVIlR_fXQSGfxWu2xdaikFL5J56DPFap3n_66i7RnBoLWD1_xN4TVUt__V=
2gHDR53Tvloe0ZXhXukcRcJCjj01CmJ_ONBLuCCCcRSW_LBEAvPM0Jr5bK1ii-c9aZwn2n-RJZ2=
n-NEL6a0CzZyhUMFQlY3eFHcX_oQ-eVEkRSBNGoQuwS9AfFIX913I52iaGSJvDcf-bkQMEP7umt=
ZMxPS5pQraHI30tZ1mWklOwvHOnfgRsoeBRvTpsbBDdPgBMPAmKrGJe1Sk52wTMPzDE9thYL6NW=
UyAzjuxRpjGV5O5j3O5lXTtxYvkP8IhrMNKjJ8iOvSGV0-ywUz3fAkYmV9z0398B0ZsIW6Infg7=
J8OOGBbtnoh0YOmw8TUT_MvZ4vQlWaz6PE5pg~~" data-eligibilitytype=3D"" data-eli=
gibilityurl=3D"" style=3D"color: #0047D9; text-decoration: none; font-size:=
 inherit; line-height: inherit;">top execution-only discount broker</a>, yo=
u pay a small fee, say =C2=A325. It then shows you the cheapest providers a=
nd rebates all the commission it receives - often worth =C2=A31,000s over t=
he life of a policy. In practice, that means you pay far less each month. Y=
et it is totally 'unadvised', meaning you get no help and need to know what=
 you're doing.<br>=0A<br>=0AOur top picks for over a decade have been <a hr=
ef=3D"https://clicks.moneysavingexpert.com/f/a/n9A1H2dFNoDuQ5cybtzpMQ~~/AAA=
HahA~/Z2C31XRTCgLNnpfd5DtVhJaovLC-RbCiAzP_rdtR2DG6HGHh8oFo4NrDU6leDWuXqOWTs=
g_pmUgV9hM-YpCQ4zo9e1_d08ga_qRGIkn0fGFz-vKfXBp1wGCexkhd4qRpJtxHE4oqIrscYsH7=
o6zJqQ~~" title=3D"https://www.cavendishonline.co.uk/" target=3D"_blank" re=
l=3D"noopener noreferrer" style=3D"color: #0047D9; text-decoration: none; l=
ine-height: inherit; font-size: 13px;">Cavendish Online</a>, <a href=3D"htt=
ps://clicks.moneysavingexpert.com/f/a/4E8AfARFUcmi91z6y0F-Gg~~/AAAHahA~/qMJ=
MHE_5Kl8U7T2b627-sDLTNjPWAFiMjZelogvI9-GvAD98qTTgYr482zd11zwgNTUsy5YTAbjx9b=
C6syIxQhq32uvFz2fRGHnGLANhx0IVy-VGDmewunkA-78ff1BZ6iTnqPu3cTddeOI9uK9fwt9BQ=
eThG5nZtyYkFkkAGTw~" title=3D"https://www.moneyworld.com/life-insurance/" t=
arget=3D"_blank" rel=3D"noopener noreferrer" style=3D"color: #0047D9; text-=
decoration: none; line-height: inherit; font-size: 13px;">Moneyworld</a> an=
d <a href=3D"https://clicks.moneysavingexpert.com/f/a/UF5U7fzB_LcbnAIJWqqUG=
Q~~/AAAHahA~/_tIu3-chvLORtCpAa-nNdUYuMj0ouv6B_8EYndmmbMADR4A8mFnOh8cEpnNfAL=
2bjgGOAWjV0IcxENEI22h_uk_bUrXdx3cm4_Uv3Y8xdR8bC_cIIOEof1W40Ultq0tj1qLe9Bi_r=
w9cmkBtmX-Kqw~~" target=3D"_blank" rel=3D"noopener noreferrer" style=3D"col=
or: #0047D9; text-decoration: none; line-height: inherit; font-size: 13px;"=
>Money Minder</a>. The prices tend to be similar, but it's worth checking a=
 couple (if it calls to verify details, ensure you tell them you want 'non-=
advised', or it could get pricier). Cavendish tends to have the best online=
 info for 'writing in trust' (see&nbsp;</span><span id=3D"cheapcover"><a hr=
ef=3D"https://clicks.moneysavingexpert.com/f/a/KTp2tKyx7JtfpC0UAO2-tw~~/AAA=
HahA~/9rfRdgfZcOVirfu4wzOPHmbfFjPu5NcalemBzlNT9GBfq5wqSC6TKQsFFQxRNtBT_WY5_=
7TskWpD_Pd8KT73uU47Ryiunww9oqWtPbV8pt6Jn79tXhcSfATxprlj8Z2fudp1Rh76VpXiHI-i=
5Kt8xYslaSMC9PcBTFDyP8DYluAiBts6emycdTLXXkNQfXl5OD5cmCdD2ZSu12MYuQGdiB7hHnh=
Z0Wj_z7q7FN3Sx7tw6AJs3PJ47kLrMIqxn71K4qf_YIJeqzyddaC6PwYAXZNnMh3tL1MNIQQV_S=
wQiDqfcH82dfda6HLIJfGWmEWCC31p4kmze0hBhUVlnOh-fs7NsnS4CKKESsPOZdS_NPlGs7V2d=
auKrWQdz1uYUhENYcU3uqIqyexFKT15EAp1szl6zVJ8ftfby7rNhVRycW8HWHOen1eKz4VU7-py=
7JM6" style=3D"color: #0047D9; text-decoration: none; font-size: inherit; l=
ine-height: inherit;">point 6 below</a></span><span id=3D"cheapcover">).<br=
>=0A<br></span>=0A</li>=0A<li style=3D"padding-left: 5px; font-size: inheri=
t; line-height: 22px;">=0A<span id=3D"advisory"><span style=3D"font-weight:=
700">Unsure, want help, have a medical condition or complex circumstances=
=3F Use an advisory broker.&nbsp;</span>A <a href=3D"https://clicks.moneysa=
vingexpert.com/f/a/kTWTatzYe8dAQzsP-dVBmQ~~/AAAHahA~/MpJFXUMFUrdCi59bEng9Sp=
YsrU4zMQqKaniHz1DzfgHUllhLmwiRnO6L_Eb_Sz99RP57TsfrLjLRo0pxESSBvdYwj_LeVWCyb=
fLcOzU_CYtOEyoLqfy6va-9SpPh-nRvopexs-58_4lw85jkegR01EvOKxNS0mtPYkJoj5Mm6noI=
O1-TSR_7t_4fAC3xiA1LNfRP1noB-v9rxYj_8fZymgcSRyNJYEvF5SaZ_Cot2wANFcQ9JrJTto5=
NXf9tqWFrDZrEflZsmowwI0c2M89S3AkudfL6_dFWlUkc4K5nUMywe93L7ShbJGGd_Egu3KftFX=
JDu-f4k2AzEwnigArgKlc_3LTZpKMil1KVfW82tJv_BHOJIDV6W-LZ2ytYphrnaHsIZc3pqRID5=
aLsIzvj0MsKvmZIqzIlwyySL7ed23uas1KROwWhn0L-LE--YRVa" data-eligibilitytype=
=3D"" data-eligibilityurl=3D"" style=3D"color: #0047D9; text-decoration: no=
ne; font-size: inherit; line-height: inherit;">good advisory broker</a> wil=
l find you the cheapest policy and give personalised, regulated advice (oft=
en over the phone) to help you choose what's right for you. Yet it will kee=
p the commission (that's how they're paid). If you have an <a href=3D"https=
://clicks.moneysavingexpert.com/f/a/9p4ifiG64bjS36YQmiXQYA~~/AAAHahA~/7h7pn=
L-DNd2gFfjwejN20KyZYnKjH5nRIhysPh8K-6aLXBd2jA2K-6gJIYNF_tJWoUuyTf4-Yvvf1gft=
p8NhtdLsLUU7C8G18ylMB1_5VcmR9sTba-w8oi5wi_JjE6EGxqneaNtlBSj5su7uouOIPgI-mQ-=
a5DvN7C8p3YwBEkunUXUiLAXB3guKExBNxK7t_XxGlajRJdMKk8qt1fOUk4-MEa1vHp9_7Z74lU=
5lQpk1zTtEGuNaU23XOMLEob8_t7OEAMYRAbT12aVTqGKfICw2-8Q4S_H1IeXOr0Gdq4OUOu5cl=
Vr2ebyi7nZjRlM1d4ClRtDGj9NWtU6N94-x0mE61JYbXjWpoZ1m2a2y0msGQdhBMv3XduFxrwtZ=
G7K5XQBiDMCZlMX_xuAAPOTqfbtAhchTENrl7W7HW1cKfEnbxu5j207TloYew9600rWc" style=
=3D"color: #0047D9; text-decoration: none; font-size: inherit; line-height:=
 inherit;">independent financial adviser</a>, they should be able to help t=
oo.</span>=0A<p style=3D"margin: 0 0 15px 0; font-size: 13px; line-height: =
22px;"><br>=0AAdvisory brokers ask in-depth medical questions, and look int=
o your finances to gauge your commitments. We didn't find any consistently =
cheaper than others - it depends on your circumstances - so try a couple if=
 you've time. We've been to the three big ones and&nbsp;<span style=3D"colo=
r:rgb(0, 130, 132)"><em>MSE Blagged</em></span> extra incentives for you, s=
o if the price is similar the incentives can impact who's cheapest. With al=
l three ADVICE IS BY PHONE...&nbsp;<br>=0A<br>=0A- <a href=3D"https://click=
s.moneysavingexpert.com/f/a/Bf5JFEAePwehu2GPUHO0DA~~/AAAHahA~/wEuImsZ6Rmnxx=
JDxOfqfuzgkv5flMLLFvsIzryu76RtmUZidzRwqrQLxK0R4BBPrVxR8AiF56ATlmQ6dM0SXPkWW=
MezNj_zoBWsSbwZgtk7_rLDwsWLp-SPB7cO-y1zq6ffv-OfZZpkzoAKp4MFQP1NnKkGVb-wrYLm=
wkXhd4Onu02YtGrsbih7QeT4R6WWRG2LBHZ56Er7Q8ouLLPnHimGNISrKVm_J2maYsNAyhHR9Dj=
DYcbL5n-T_T0llLIoBU34GtU0whobbEI1QQYscxaIt0ENWDHfeyWAFV8nt0ZFAppcPxVsPgvzOx=
aa4YUSxnYiCuFXnU1ubWZGdCWwJ2g611JqBh074kxI3GqF9z1lzznEubPxVXN2Jd-kxtGK-8eon=
2Om9Gq53P7Gf3Hxn6hliCkUQtNw8Zc5d1IT9FPY~" data-eligibilitytype=3D"" data-el=
igibilityurl=3D"" style=3D"color: #0047D9; text-decoration: none; line-heig=
ht: inherit; font-size: 13px;">LifeSearch (via MoneySuperMarket*</a>) LifeS=
earch<span style=3D"font-weight:700">&nbsp;</span>is the UK's biggest advis=
ory broker. Yet call it via our bespoke MoneySupermarket number - <span sty=
le=3D"font-weight:700">0800 197 3178</span> - and, crucially,&nbsp;<strong>=
say you're from us, MoneySavingExpert.com (MSE)</strong>. We've arranged fo=
r you to get a =C2=A335 to =C2=A3400 Amazon voucher (depending on monthly c=
ost). It's sent after you've been paying for the policy for six months. If =
you just compare via MoneySupermarket you get the same deal, but no advice =
(so execution-only is then cheaper).<br>=0A<br>=0A-&nbsp;<a href=3D"https:/=
/clicks.moneysavingexpert.com/f/a/_M__fTQnP0W_VV3Oux05pQ~~/AAAHahA~/wEuImsZ=
6RmnxxJDxOfqfuzgkv5flMLLFvsIzryu76RtmUZidzRwqrQLxK0R4BBPrrW_FTjfnudQrJ9Pvpd=
M7w9irlnTBgNrScNU6bJvkY4v55Qkx0P9SFLstQYTwa2fSV27HX20D1vvomH3rgxWw1Xo-XF8aA=
Pfimve5plv6Cmw-bLRXa2gNKixUsC7F6IcrnrUTmL3y0Dej5mZFJ5aVdIglhQjc-OcUfLg31VRy=
vTBCbmwMYI6-CFruu-DJVHqDTZ9yeGmv2QQ3GVE_ammvYvrVKHRAixGmg-ERiCA6ZgWJSF-vthb=
Tyg9i2GsRH_7BzjGc9BaxMvI_0FsVvu_lu8-yKgy3dZvaD1ZoV504GodyB_RJtgxdKZr1grqd9a=
3jluaR0cF8XKParIs1ikPLQs5TlnTaKRhzcyYRP5ovk40~" title=3D"https://www.moneys=
avingexpert.com/redir/ba8a7ddf" target=3D"_blank" rel=3D"noopener noreferre=
r" style=3D"color: #0047D9; text-decoration: none; font-size: inherit; line=
-height: inherit;">Howden Life &amp; Health*</a> operates a CALLBACK system=
 - fill in the form and it'll call you back. Via our link it will give you =
a flat =C2=A390 cashback after 6mths when you get advice and buy a policy. =
This tends to be best for those with smaller and less costly policies.<br>=
=0A<br>=0A- <a href=3D"https://clicks.moneysavingexpert.com/f/a/SQAZXIqRK7D=
INe3u3Uqg5Q~~/AAAHahA~/wEuImsZ6RmnxxJDxOfqfuzgkv5flMLLFvsIzryu76RtmUZidzRwq=
rQLxK0R4BBPr8pUkeD1QDpBA7Y-RbwZRng2JNfC_wxoVj8Mu-5bssVVe4ZZIw8bv2oDM6bUev2b=
38jtQnmzNA5D5TJ87B_MTd28Y4IfDGd-hsp_XV1vciqs7gO9Re3cyZaw8RJF12PpvAEdPgVkmKK=
bQuD6uzzW0XOlzuf5pA1jrCniPdLKRjQo9qp7GHW1MEz93p665ZGxnKt8q3_oxgMJrbyK9oDGj5=
yQ2oxramw_MmOdg6IDUinwFLrOSuRRAktegt-a9BwX18HtfOvR3zWsyrFHSAosYg9Ls3elO0DvX=
0_AtyMLF9LAxwVHFcr-lrj7FwaFBPX1jvLQDooQvu06qK7XB2fWLIDtkHZEa0IFQ8z3CKLBlZTA=
~" title=3D"https://www.moneysavingexpert.com/redir/836850f6" target=3D"_bl=
ank" rel=3D"noopener noreferrer" style=3D"color: #0047D9; text-decoration: =
none; line-height: inherit; font-size: 13px;">ActiveQuote*</a> operates a C=
ALLBACK system - fill in the form and it will call you back. It will email =
you a =C2=A335 to =C2=A3410 Amazon voucher after 6mths when you get advice =
and buy a policy. The amount depends on the monthly cost. Whether it or Mon=
eySupermarket gives a bigger voucher varies by policy size.</p>=0A<table cl=
ass=3D"table--bordered" style=3D"padding: 0; border-spacing: 0; border: 0; =
mso-table-lspace: 0pt; mso-table-rspace: 0pt; Margin: 0 auto; border-collap=
se: collapse; border-top: 1px solid #e5e5e5; width: 98%; font-size: 12px;" =
width=3D"98%">=0A<thead>=0A<tr>=0A<td colspan=3D"3" style=3D"vertical-align=
: top; line-height: 22px; padding: 8px; font-size: 12px; border: 1px solid =
#dee4ef; border-top: 0; 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<span style=3D"font-weight:700"><span class=3D"text--w=
hite" style=3D"color: rgb(255, 218, 44); font-size: 16px;">The cost of diff=
erent routes to buy life insurance</span></span><br>=0A<span style=3D"font-=
weight:700"><span class=3D"text--white" style=3D"color: #fff;">Sample quote=
 below for a typical healthy, non-smoking 30yr old for =C2=A3400,000 cover =
for 21 years</span></span>=0A</td>=0A</tr>=0A</thead>=0A<tbody>=0A<tr>=0A<t=
d style=3D"vertical-align: top; line-height: 22px; padding: 8px; font-size:=
 12px; border: 1px solid #dee4ef; border-top: 0; background-color: rgb(44, =
130, 201); width: 38.6056%;" width=3D"38.6056%" bgcolor=3D"rgb(44, 130, 201=
)" valign=3D"top"><span style=3D"font-weight:700"><span class=3D"text--whit=
e" style=3D"color: #fff;">Buying route and cost</span></span></td>=0A<td st=
yle=3D"vertical-align: top; line-height: 22px; padding: 8px; font-size: 12p=
x; border: 1px solid #dee4ef; border-top: 0; background-color: rgb(44, 130,=
 201); width: 14.8483%;" width=3D"14.8483%" bgcolor=3D"rgb(44, 130, 201)" v=
align=3D"top"><span style=3D"font-weight:700"><span class=3D"text--white" s=
tyle=3D"color: #fff;">Discounts commission=3F</span></span></td>=0A<td styl=
e=3D"vertical-align: top; line-height: 22px; padding: 8px; font-size: 12px;=
 border: 1px solid #dee4ef; border-top: 0; background-color: rgb(44, 130, 2=
01); width: 13.1698%;" width=3D"13.1698%" bgcolor=3D"rgb(44, 130, 201)" val=
ign=3D"top"><span style=3D"font-weight:700"><span class=3D"text--white" sty=
le=3D"color: #fff;">Gives advice=3F</span></span></td>=0A</tr>=0A<tr>=0A<td=
 style=3D"vertical-align: top; line-height: 22px; padding: 8px; font-size: =
12px; border: 1px solid #dee4ef; border-top: 0;" valign=3D"top">=0A<span st=
yle=3D"font-size:13px"><span style=3D"font-weight:700">Execution-only (ie, =
discount) brokers:</span></span> (whole of market)<span style=3D"font-size:=
13px"><span style=3D"font-weight:700"><br>=0A<span style=3D"color:rgb(145, =
28, 87)">=C2=A31,700 over full term</span></span> <span style=3D"color:rgb(=
145, 28, 87)">(=C2=A36.70/mth)</span></span><br>=0ACheapest option, but you=
 need to know what you want.</td>=0A<td style=3D"vertical-align: top; line-=
height: 22px; padding: 8px; font-size: 12px; border: 1px solid #dee4ef; bor=
der-top: 0; width: 14.8483%;" width=3D"14.8483%" valign=3D"top">=0A<div sty=
le=3D"text-align:center">=0A<br>=0A<span style=3D"color:rgb(0, 166, 81);fon=
t-size:18px;font-weight:bold">=E2=9C=94</span>=0A</div>=0A</td>=0A<td style=
=3D"vertical-align: top; line-height: 22px; padding: 8px; font-size: 12px; =
border: 1px solid #dee4ef; border-top: 0; width: 13.1698%;" width=3D"13.169=
8%" valign=3D"top">=0A<div style=3D"text-align:center">=0A<br>=0A<span styl=
e=3D"color:rgb(211, 47, 47);font-size:18px;font-weight:bold">=E2=9C=96</spa=
n>=0A</div>=0A</td>=0A</tr>=0A<tr>=0A<td style=3D"vertical-align: top; line=
-height: 22px; padding: 8px; font-size: 12px; border: 1px solid #dee4ef; bo=
rder-top: 0;" valign=3D"top">=0A<span style=3D"font-size:13px"><span style=
=3D"font-weight:700">Advisory brokers: <span style=3D"font-size:12px;font-w=
eight:400">(whole of market)</span><br>=0A<span style=3D"color:rgb(145, 28,=
 87)">=C2=A32,000 over full term&nbsp;</span></span></span><span style=3D"c=
olor:rgb(145, 28, 87);font-size:13px">(=C2=A38/mth)</span><br>=0ACheapest i=
f you need help choosing. You'll get regulated advice.</td>=0A<td style=3D"=
vertical-align: top; line-height: 22px; padding: 8px; font-size: 12px; bord=
er: 1px solid #dee4ef; border-top: 0; width: 14.8483%;" width=3D"14.8483%" =
valign=3D"top">=0A<div data-empty=3D"true" style=3D"text-align:center">=0A<=
br>=0A<span style=3D"color:rgb(211, 47, 47);font-size:18px;font-weight:bold=
">=E2=9C=96</span>=0A</div>=0A</td>=0A<td style=3D"vertical-align: top; lin=
e-height: 22px; padding: 8px; font-size: 12px; border: 1px solid #dee4ef; b=
order-top: 0; width: 13.1698%;" width=3D"13.1698%" valign=3D"top">=0A<div s=
tyle=3D"text-align:center">=0A<br>=0A<span style=3D"color:rgb(0, 166, 81);f=
ont-size:18px;font-weight:bold">=E2=9C=94</span>=0A</div>=0A</td>=0A</tr>=
=0A<tr>=0A<td style=3D"vertical-align: top; line-height: 22px; padding: 8px=
; font-size: 12px; border: 1px solid #dee4ef; border-top: 0;" valign=3D"top=
">=0A<span style=3D"font-size:13px"><span style=3D"font-weight:700">Standal=
one comparison sites: <span style=3D"font-size:12px;font-weight:400">(whole=
 of market)</span><br>=0A<span style=3D"color:rgb(145, 28, 87)">=C2=A32,800=
 over full term</span></span> <span style=3D"color:rgb(145, 28, 87)">(=C2=
=A311.20/mth)</span></span><br>=0ANo advice and pricier than advisory broke=
rs.</td>=0A<td style=3D"vertical-align: top; line-height: 22px; padding: 8p=
x; font-size: 12px; border: 1px solid #dee4ef; border-top: 0; width: 14.848=
3%;" width=3D"14.8483%" valign=3D"top">=0A<div style=3D"text-align:center">=
=0A<br>=0A<span style=3D"color:rgb(211, 47, 47);font-size:18px;font-weight:=
bold">=E2=9C=96</span>=0A</div>=0A</td>=0A<td style=3D"vertical-align: top;=
 line-height: 22px; padding: 8px; font-size: 12px; border: 1px solid #dee4e=
f; border-top: 0; width: 13.1698%;" width=3D"13.1698%" valign=3D"top">=0A<d=
iv style=3D"text-align:center">=0A<br>=0A<span style=3D"color:rgb(211, 47, =
47);font-size:18px;font-weight:bold">=E2=9C=96</span>=0A</div>=0A</td>=0A</=
tr>=0A<tr>=0A<td style=3D"vertical-align: top; line-height: 22px; padding: =
8px; font-size: 12px; border: 1px solid #dee4ef; border-top: 0;" valign=3D"=
top">=0A<span style=3D"font-size:13px"><span style=3D"font-weight:700">Dire=
ct via bank or insurer:</span></span> (tied to one firm)<span style=3D"font=
-size:13px"><span style=3D"font-weight:700"><br>=0A<span style=3D"color:rgb=
(145, 28, 87)">=C2=A33,700 to =C2=A34,200 over full term</span></span> <spa=
n style=3D"color:rgb(145, 28, 87)">(=C2=A314.70 to =C2=A316.60/mth)</span><=
/span><br>=0AThe costliest option.</td>=0A<td style=3D"vertical-align: top;=
 line-height: 22px; padding: 8px; font-size: 12px; border: 1px solid #dee4e=
f; border-top: 0; width: 14.8483%;" width=3D"14.8483%" valign=3D"top">=0A<d=
iv style=3D"text-align:center">=0A<br>=0A<span style=3D"color:rgb(211, 47, =
47);font-size:18px;font-weight:bold">=E2=9C=96</span>=0A</div>=0A</td>=0A<t=
d style=3D"vertical-align: top; line-height: 22px; padding: 8px; font-size:=
 12px; border: 1px solid #dee4ef; border-top: 0; width: 13.1698%;" width=3D=
"13.1698%" valign=3D"top">=0A<div style=3D"text-align:center">=0A<br>=0A<sp=
an style=3D"color:rgb(0, 166, 81);font-size:18px;font-weight:bold">=E2=9C=
=94</span>=0A</div>=0A</td>=0A</tr>=0A</tbody>=0A</table>=0A<span style=3D"=
font-weight:700"><br></span>=0A</li>=0A<li style=3D"padding-left: 5px; font=
-size: inherit; line-height: 22px;">=0A<span style=3D"font-weight:700">Ther=
e are a few firms brokers can't include that you may want to try.</span> Al=
l mainstream insurance firms are available from both execution-only and adv=
isory brokers. Yet there are a few firms that are direct-only, so won't be =
included by brokers. These often give incentives when you sign up, though i=
n our tests they aren't usually price competitive, even with the perks. Yet=
 if you want to try them, for belt and braces, see our&nbsp;<a href=3D"http=
s://clicks.moneysavingexpert.com/f/a/H1fGkMODdF6IOs3EuksXvg~~/AAAHahA~/TeQC=
NfvZ1O6wBV77tQJu4BTzTH1t-zARuSTWeB86c2HEBM--4gOz5cnimrRYTU5luQeMmKVyCRtfOiJ=
RGBmlUh8p8x7kbtyWcr1zmDRVkdaWBG_HcnSjCX1ElmS1HvU2aqKWzQzMNEinniP3xDtpjj9QvN=
u8bazQleWyY82pcWbmvlXcXglDMTVkHEAY-ptfHb24zdk9XhQVHCZCq35RhDeJczxeXHFTep1nl=
w6LGwqtmGey2yq5Zc_H-19dDTI87ajVWoFA-NtpqXeEgN0MW-52b05FP1QHuM0LCLRy_7dVZEvc=
LFFODZ8_z6Mo1oftCingrhaJL10oMxIVXBSx-aS37DqDT7cxiY3gDvOyI0mlpuEOZFWvHImhdBz=
0YzSTZfyr_WJthHnMcjyrqH6F8LfddnhgxPhw5Vl91v8ul3wbPTyYSY3FS1kuKlBPXekR" data=
-eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"color: #0047D9; tex=
t-decoration: none; font-size: inherit; line-height: inherit;">list of firm=
s not included by brokers</a>.<br>=0A<br>=0A</li>=0A<li style=3D"padding-le=
ft: 5px; line-height: 22px; font-size: 13px;"><span id=3D"trust"><span styl=
e=3D"font-weight:700">Consider writing the policy in trust.</span> This mea=
ns the payout goes directly to the person who will ultimately receive the m=
oney, so it's not part of your estate - meaning there's no <a href=3D"https=
://clicks.moneysavingexpert.com/f/a/9SM3wj9njkLw2tfnsVTsdg~~/AAAHahA~/TeQCN=
fvZ1O6wBV77tQJu4BTzTH1t-zARuSTWeB86c2ExTaEkHVR8c2_HhPoBKAts-AdniZvBuVqGz7Qr=
gKbd2F-RXGPkF88BpppCJAOvsxlmisLKSZpcO-reL9790prdNrRgRqve7SjWcfHzEakH8iYTN9D=
DDwfsx3vviqbC3w0DlNiN9coHDjKw2pwiGEzd3W1mJ_cDMpFRlcZOhJvCa12aDtK1T4qNwzjb35=
jnM0XELfFF0nv3kYQ2axSv50ufzXMTHx8KvbPlDtz0abJZ7SSCwfrcXCdvi0ZIgjxrC1hcH2XdT=
QDO9AQpMy2xnLFiv0NSFpihcM4diL8HUKk7rODuiinyUu7Hzad1byHTfXcfaiHeNTbpKqwr25Th=
A_hEy6wI557Y93SVGasMo_rZctwTo1cVPfda0s5z9dIAUedFvdZABMY0WhNTwyU3Hio2" data-=
eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"color: #0047D9; text=
-decoration: none; font-size: inherit; line-height: inherit;">inheritance t=
ax</a> and it eases&nbsp;<a href=3D"https://clicks.moneysavingexpert.com/f/=
a/MI51ax4IYwv_CqibKl7WNA~~/AAAHahA~/BtlnudqomM-MpjMLdO5Tfl3uErBC1jDH0U59Qqz=
tU8e4ACAtsVsYC741knfcw0s2LUzn73VdDSSjpYRYwhkmiJI0GOBqELJdxiLfzayyKcQgOdXuuN=
qp8G8RSJTX-KqdUjexmc-GtWHk68shgslSdgKfrBSFowew6CHU4yMvzfM7EfOmJrn0HAJathSQe=
j0aHaFEqR9JT7ubF5xARXipXqCIWeYOClwdHTH8wY-D5IACWPbs61YBxBMZUH04F8QLTMSsdzxR=
WfzXBWY3UXdHZnm7uCNfxzOlXVbJJt1AC7qsSVELNRhVRQbtj5f-FMW8RmwwU24zP5DexEyNp5J=
q2XfT_DtToYpqRGHgQtTN88MFwqHAO7fsvQNOW85iwP0ZTD7p-m6wYihGFzvU4HUy0Aecs_Ppz_=
qpyhmw9iNphAjt95YnuT-JNlkZGf1K9jmL" data-eligibilitytype=3D"" data-eligibil=
ityurl=3D"" style=3D"color: #0047D9; text-decoration: none; font-size: inhe=
rit; line-height: inherit;">probate</a> or equivalent (the legal process of=
 handling someone's affairs after death). In some cases, there's a simpler =
alternative to this in the application form, where you can include a 'benef=
iciary nomination', which works in a roughly similar way. An advisory broke=
r will usually go through all this with you. If you use an execution-only b=
roker, most have the form available, if you ask.&nbsp;<br>=0A<br></span></l=
i>=0A<li style=3D"padding-left: 5px; line-height: 22px; font-size: 13px;">=
=0A<span style=3D"font-weight:700">Already got a policy (especially if you =
quit smoking over a year ago)=3F&nbsp;</span>It can sometimes be worth gett=
ing a new quote if you've been nicotine-free (including vaping) for at leas=
t a year, or your circumstances have changed - such as no longer having a r=
isky job, or you originally got it through a bank or insurer so are paying =
a lot.<br>=0A<br>=0A</li>=0A<li style=3D"padding-left: 5px; line-height: 22=
px; font-size: 13px;">=0A<span style=3D"color:inherit;font-size:inherit;bac=
kground-color:rgba(0, 0, 0, 0)"><span style=3D"font-weight:700">You can get=
 a joint policy or single policies.</span>&nbsp;</span>Couples can choose t=
o get a joint policy that covers you both and usually pays out the whole am=
ount on first death, or two single policies that cover each of you separate=
ly with two separate payouts. We checked for a healthy non-smoking couple a=
ged 50, for 20 years cover via an execution-only broker, though patterns ca=
n change so it's worth getting quotes.<br>=0A<br>=0A<table class=3D"table--=
bordered" style=3D"padding: 0; border-spacing: 0; border: 0; mso-table-lspa=
ce: 0pt; mso-table-rspace: 0pt; Margin: 0 auto; border-collapse: collapse; =
border-top: 1px solid #e5e5e5; width: 100%; font-size: 12px;" width=3D"100%=
">=0A<tbody>=0A<tr>=0A<td style=3D"vertical-align: top; line-height: 22px; =
padding: 8px; font-size: 12px; border: 1px solid #dee4ef; border-top: 0; wi=
dth: 44.7671%;" width=3D"44.7671%" valign=3D"top">=0A<span style=3D"font-we=
ight:700">One single =C2=A3150k policy</span> (one payout)</td>=0A<td style=
=3D"vertical-align: top; line-height: 22px; padding: 8px; font-size: 12px; =
border: 1px solid #dee4ef; border-top: 0; width: 28.1307%;" width=3D"28.130=
7%" valign=3D"top">=C2=A319.20/mth (=C2=A34,600 over term)</td>=0A</tr>=0A<=
tr>=0A<td style=3D"vertical-align: top; line-height: 22px; padding: 8px; fo=
nt-size: 12px; border: 1px solid #dee4ef; border-top: 0; width: 44.7671%;" =
width=3D"44.7671%" valign=3D"top">=0A<span style=3D"font-weight:700">Two si=
ngle =C2=A3150k policies</span> (so max possible payout =C2=A3300,000)</td>=
=0A<td style=3D"vertical-align: top; line-height: 22px; padding: 8px; font-=
size: 12px; border: 1px solid #dee4ef; border-top: 0; width: 28.1307%;" wid=
th=3D"28.1307%" valign=3D"top">=C2=A338.40/mth (=C2=A39,200 over term)</td>=
=0A</tr>=0A<tr>=0A<td style=3D"vertical-align: top; line-height: 22px; padd=
ing: 8px; font-size: 12px; border: 1px solid #dee4ef; border-top: 0; width:=
 44.7671%;" width=3D"44.7671%" valign=3D"top">=0A<span style=3D"font-weight=
:700">One joint =C2=A3150k policy&nbsp;</span>(one payout)</td>=0A<td style=
=3D"vertical-align: top; line-height: 22px; padding: 8px; font-size: 12px; =
border: 1px solid #dee4ef; border-top: 0; width: 28.1307%;" width=3D"28.130=
7%" valign=3D"top">=C2=A326.25/mth (=C2=A36,300 over term)</td>=0A</tr>=0A<=
tr>=0A<td style=3D"vertical-align: top; line-height: 22px; padding: 8px; fo=
nt-size: 12px; border: 1px solid #dee4ef; border-top: 0; width: 44.7671%;" =
width=3D"44.7671%" valign=3D"top">=0A<span style=3D"font-weight:700">One jo=
int =C2=A3300k policy</span> (one payout)</td>=0A<td style=3D"vertical-alig=
n: top; line-height: 22px; padding: 8px; font-size: 12px; border: 1px solid=
 #dee4ef; border-top: 0; width: 28.1307%;" width=3D"28.1307%" valign=3D"top=
">=C2=A336/mth (=C2=A38,650 over term)</td>=0A</tr>=0A<tr>=0A<td colspan=3D=
"2" style=3D"vertical-align: top; line-height: 22px; padding: 8px; font-siz=
e: 12px; border: 1px solid #dee4ef; border-top: 0; width: 104.204%;" width=
=3D"104.204%" valign=3D"top">Prices obtained via 'non-advised' broker Caven=
dish Online in July 2026.</td>=0A</tr>=0A</tbody>=0A</table>=0A<strong><spa=
n style=3D"color:rgb(198, 32, 53)"><br></span></strong>While a joint policy=
 may be slightly cheaper for a similar total maximum payout, advisers tend =
to recommend two single policies. That's because it gives a payout linked t=
o each parent, so there's less of an issue if couples split up. Yet the dec=
ision is yours, so it's always worth getting quotes both ways. More info in=
&nbsp;<a href=3D"https://clicks.moneysavingexpert.com/f/a/Y44VgBgogVvJWOI07=
p6gYQ~~/AAAHahA~/Qh4YUxL_JPSxvZWYGQ_P-Ngp96F8kevIDZg1ohbJWX5gkV8WqGhBfb5OYi=
4kYjbP9ynY2fn65z7y8-OxHd1mWILDNUL66cVoMa_skRlQ6zA8Y1JfW43pG4PeLsB97dj7kyNBg=
05dw2eQ4EiAXFIJXfvg365xifF1i9iVtvSt1F0ir9acRyO30fxEAJnnrx4sRh6_qKjIuXFR8aZ3=
4YXNaVYg9PpMeoILsZNhobjwtXqn7LsuC-hrEHfmbB457dqRg0Q9CQXlzOseUC1y-iME-ecd2Ew=
49By5zqeqOgPUI6syjo25XZnsKfGHu4iyAchRxlAwtpMPQhA-aP8Xb7BPGhLsm8M0Ej2eVJV4p7=
ylTVJYUaRmW2GuL7o3Tiwxq5ICJMXxE6IevMgizw3PB8pb746Yl64ARaI7GCxgBzsqlqliTn6MA=
PwY3h8r1s4EHMUl" data-eligibilitytype=3D"" data-eligibilityurl=3D"" style=
=3D"color: #0047D9; text-decoration: none; font-size: inherit; line-height:=
 inherit;">joint vs single cover</a>.<br>=0A<br>=0A</li>=0A<li style=3D"pad=
ding-left: 5px; font-size: inherit; line-height: 22px;">=0A<span style=3D"f=
ont-weight:700">The earlier you buy it, the cheaper it usually is over the =
long term.&nbsp;</span>If someone depends on your income - for example, kid=
s, a partner or a family member - that's usually the trigger to consider ge=
tting a policy. Yet even if you don't currently have any dependants, it cou=
ld be worth taking out a policy while you're younger - to lock in at a chea=
per price. It's a complex decision - on <a href=3D"https://clicks.moneysavi=
ngexpert.com/f/a/eZPgGZaExjr5E9lDgH0lrg~~/AAAHahA~/zRZNEA3-P3iQ1DkAA0Apd1xc=
oY-BZOPmE5sjWi3BMYRUuLZR5nzJPNJS5mx94RT2iekLhsTm3JHJezRvIDq4IArU0_O2e6t_ZY8=
O-cRHVSgyC6cR7QIoISqOMyjNbYGbKJ7Dk5jjiPocfhRK6ejJ_xe32dxzOSUAVB5Iotjvcs1sCH=
aUcSn6w0Rg0brD3qBC5wj0IZrelTMfdSy6oN6oKgPttaKzURwmusw6SVE02r0mxv8dwKPs2ebKJ=
rD03Gkrh3ibZFiZBOEmZQDPcLf4MItkjwcdC-CRkbNj7aEsJMeHZt45m2F_cgJuKeS-FmSJH4lp=
AE48Jn3_raaoqDQ6WvX53lrA3Wz_YRhA4HH8Jzag9STs3a4v9UTistgbgGfbAkFFeRqbPi7gYBA=
0SuiUKS6Ko7D5C6I10KL1pl1LN0eshrNXtU0MuyG5wkrK1i9FW0GpUCmU5L3ROz5SE_t30LQSIL=
t3KDm_2JFCSr89bvY~" id=3D"isPasted" style=3D"color: #0047D9; text-decoratio=
n: none; font-size: inherit; line-height: inherit;">Martin's recent podcast=
 (from 9mins in)</a>, he discussed this with a 25-year-old woman who asked =
about it. Or see a summary in our&nbsp;<a href=3D"https://clicks.moneysavin=
gexpert.com/f/a/jcK_LrBjjFegJvB16OPclg~~/AAAHahA~/Qh4YUxL_JPSxvZWYGQ_P-Ngp9=
6F8kevIDZg1ohbJWX5gkV8WqGhBfb5OYi4kYjbP9ynY2fn65z7y8-OxHd1mWILDNUL66cVoMa_s=
kRlQ6zDS9UZgORa622mIZO_1vWPT96aPOmIqgOoiEg8Hxbn1CdbMY0hSBBFKuxTkEwjIdZn0LCQ=
oNAaSOUxHRybV1ck6LWSbRDuwhwMDZAfIkIGB9Qba_TEpLKUhswT9APhnrOxR3DxhG0ko9tbY1C=
pw1y_t3uY_CJZDEBSF-DrmuMzgLB_WDqSMO32aZ4QVlfVYbyIQuV4YmeS2k0Q-NexOOFz-xVYXo=
uZOBlyJ6cA6zoVEOfp1Nsc4KyCumZpLeviCNH_gihcV4ScSSzn7UuU6ooYvh8zrr1uc7iGZkrM_=
gQjDCxrP471-LNFR0NRwqdu65ZXUlmjgqhJ6Ti65Nnd1BQsJ" style=3D"color: #0047D9; =
text-decoration: none; font-size: inherit; line-height: inherit;">getting l=
ife insurance younger</a> explainer.<br>=0A<br>=0A</li>=0A<li style=3D"padd=
ing-left: 5px; font-size: inherit; line-height: 22px;">=0A<span style=3D"fo=
nt-weight:700">Declare ALL pre-existing physical and mental health medical =
conditions or it could invalidate the policy.</span><span style=3D"font-wei=
ght:700;font-size:15px">&nbsp;</span>If you've ever needed medical treatmen=
t, assistance or medication in the past, for physical or mental health cond=
itions,<strong>&nbsp;</strong>it could be considered a pre-existing conditi=
on - eg, high blood pressure. Check how far the insurer asks you to go back=
, and be honest, or it could nullify the policy or reduce the payout (thoug=
h for some, sadly, pre-existing conditions can make it very costly, which i=
s why we suggest you <a href=3D"https://clicks.moneysavingexpert.com/f/a/ej=
HAJ5I-c9zmJ45YVfNRog~~/AAAHahA~/mcoVoA4blH1F9ynRpEKgo1yN2wN7q-16vzJssIDRgF-=
A5SOWKDohJFhaT9TTkuiyopQUZTgrCtcc1dIZoPQaAbBlIboDgMD0ureDyG-TUVQBPjMexaqO3q=
VZQYlPW1RgzohjlXBpCnbIb4FiuHrNv3VLOszZH9VV020DihNt2hd5tH2anm_TjhQ9oy5YTpG1Z=
asvC9hV2xZ35npgV0Re3t2MEYMMpo-0gnLRW4FWnwpGxgwXiz4ws-jFAYxKP2vAU0yTmCn2JNGo=
rx7j50fgMtgb1Onpe_cJn3HI2n6F25rEiyW5keG7c-NTReZyFlced9SR9XmWFXFjeMyFLOZ4Lsw=
9znQQ4n0aNrRhsVYuTxT4rKErPt3CQPGkhfCWqpT9Vuj-d8tYXsdk77z9Mx5ILfm1nvp0eWagrf=
BUbQRtBoCKReQ8VJSQcagGSYeMr0Wt2MIn-PdabDnElMdM-4N5DA~~" data-eligibilitytyp=
e=3D"" data-eligibilityurl=3D"" style=3D"color: #0047D9; text-decoration: n=
one; font-size: inherit; line-height: inherit;">get advice</a> in that case=
). More in our&nbsp;<a href=3D"https://clicks.moneysavingexpert.com/f/a/xdb=
Sd2U3Dn1w6iyOJBGDGw~~/AAAHahA~/zpKySlL9q0tbl73XrmdkSItF8nt6c5Wv149aHeO_qf5B=
fFbAQ_ZA3XL9uf6-SxaZwiz5Tn76xy-LBMI8vMFBeW5TjaWtMa8I5uyW0scbabOUxJvAENZiyG2=
9k6LeFhGl_AtNIqiQ6RjtjD9TO6f4UwCbfCWfpAm8XX8c7DFVhpXl48KduXD_zDvpXHYP12wJ8r=
a_dz6cu6AlQsYiawkGkrN4FphV__lojRrPF3gnbzUKY0PHPRs2ZjvBk1lRxK2axBF9eP4MfV0Vf=
MaVSkd0_ltDDEc31BofvD7PUbxr-RtUCe0riBzj9UK7FF9_iRPb8MvLUmS5J2yd_xLU6gBMcRJC=
WSmqWZlI8e6A3_4VXJJB4iIMsUwNIo9LEJKUyGptZiU0riZhelsE4ciUU0l10VlkXZEaJrD_7Al=
T_9fiEiUs1hZlj7d3hyADWbv_s1fFgsrAeBZxSOvkAtnOClUvbA~~" style=3D"color: #004=
7D9; text-decoration: none; line-height: inherit; font-size: 13px; backgrou=
nd-color: rgba(0, 0, 0, 0);">Life=0Ainsurance with a pre-existing condition=
</a> help.<br>=0A<strong><br></strong>=0A</li>=0A<li style=3D"padding-left:=
 5px; font-size: inherit; line-height: 22px;">=0A<strong>Life insurance and=
 the advice are regulated, you can complain to the Ombudsman if treated unf=
airly.&nbsp;</strong>This is Financial Conduct Authority-regulated. If you =
receive wrong advice from an advisory broker, or a claim is unfairly reject=
ed, you have recourse through the <a href=3D"https://clicks.moneysavingexpe=
rt.com/f/a/LYtrzdHYuhc0KZdzYg4Lbg~~/AAAHahA~/0XfvfG_Sn2aWql5fmNiC5s3meqU3a7=
LKkxO5oZF_CHAHTtMLmfwaUcYQDSo7vMCHDzUsUfpL0hb2wiQ1aMeziQMRKXrquwADvlrPYcNO8=
QgWah0GgrfLPPXXgQcrjz4wytR3qxDx_GI0Q8XAsvkZ9IjOFiiswD38GpvCzmjyt3YZxf6hF0Ia=
wrl4n_qwnP7ktVu4oygAL3H4WnY0D2K91iEFTqDafQWSGrNEQFEUigThU1xWNN4OsqzCPBbQ-E-=
Ep6IyEjkdHwNt1hOUwoWcMYOLrUQsPFga6WM1Ts1tq-2qMy3tJpmJN9sGBYfZ727LYUkX_TD0CS=
cRhwnrkpyxg-JY2kNHh0scCJTccAY3Gkn_DgR-PCX9pBr4B1Y9nRQDopUAG71KICsq-2xQDwqcO=
paqMwLGwli4Dsgo-ofuKaw~" target=3D"_blank" rel=3D"noopener noreferrer" styl=
e=3D"color: #0047D9; text-decoration: none; line-height: inherit; font-size=
: 13px; background-color: rgba(0, 0, 0, 0);">Financial Ombudsman</a>. Yet i=
f you use an <span style=3D"background-color:rgba(0, 0, 0, 0);color:inherit=
">execution-only broker, as the name suggests, it's execution only. They&nb=
sp;just process your request, so you generally don't have recourse there (u=
nless they process it wrong).</span>=0A</li>=0A</ol>=0A<p style=3D"margin: =
0 0 15px 0; font-size: 13px; line-height: 22px;"><strong>Related Guides:</s=
trong> <a href=3D"https://clicks.moneysavingexpert.com/f/a/1mxlUExm6XfIbTU1=
mCrhLQ~~/AAAHahA~/BtlnudqomM-MpjMLdO5Tfl3uErBC1jDH0U59QqztU8e4ACAtsVsYC741k=
nfcw0s2-6ZeZX_vNmivA28vRFBBA7xErk9JJLBCCrKeAkU4c4_wS_i9-sWv8QAPjWKcdk0dEFxp=
p4mKG3yzgaP5D7MU5OhvbWwzEusA81xl1nZZLBVrdHyfuDre4VSP7xJtVKearJz48N_BPzo73B8=
gxGaasae3qsRnFcKtRF3pfyfCfQScOTCv8EexwKM7K6QH-t5OaUBKktVDXgOprZ7TU5r12QE6jv=
nni7nkA8iASi7gF_15iQyUP7pS_PFEe-n0vC4iwg_rLbugvOK8bHIXeAfxVP5XeGj-QWZViWa0c=
KRpmO6t0-NHE6B7ZhldWWuFUVKVQ0yK1FmVF5ES5Bbtj7lv4aSLWi6p1DkQP0NJda8OLFLlKxck=
cxvlVnr7kZhADW5f" data-eligibilitytype=3D"" data-eligibilityurl=3D"" style=
=3D"color: #0047D9; text-decoration: none; font-size: inherit; line-height:=
 inherit;">Cheap or free Wills</a> | <a href=3D"https://clicks.moneysavinge=
xpert.com/f/a/vheytzheH-bLhjbzCORTsA~~/AAAHahA~/DTRMTiSN2QYen9JTFYcRQ1r29NN=
mj69ulixHUVUlqGjA4uEs6W2kbXt6b4T-hgt_xM8pih2EPUEZ9vhggyx7wEGTQ6MfC6kNsTk571=
SAT1LLIX585suXDC5Bzj3_DcVS2toXgfymaPYhlSMqIVjOgAB5kK-nHGpSmPMYBYLSL5dFSfEKy=
8pvmXgqsrytcPeB86fAV2KoLcrYzFp9YUQSupsgTAn0kBS2Kh5rsaBXgIdG4gVILNEukjXW-431=
IhhLkEIHwtIxrzHzhQBYuO9ixmj9GTiPkvMH_apHtdpJopIBVBm7j7diLICGlLinm9rw-FwJdes=
Rf05AkdkcSShEeccLHbNA2nefc10EsNqKHABPw91101IGowtuEtLa2iZWA13WWhv_7yGdloNgzq=
60_PJy7RsLObEdfLVasRTHzaaS5lbhKfBRJMMBfPkPpfWV" data-eligibilitytype=3D"" d=
ata-eligibilityurl=3D"" style=3D"color: #0047D9; text-decoration: none; fon=
t-size: inherit; line-height: inherit;">A Power of Attorney is often even m=
ore important than a will</a> | <a href=3D"https://clicks.moneysavingexpert=
.com/f/a/bsgkX9OT_ohURQWBbNNCcg~~/AAAHahA~/vYwTQ82zbba3nqBRQFrk3o0p2XFWgpi=
3smLQDbk-AsdS33LhI00N9qL6Dhd72ELmpYPwIr2Djnu5r1ay0eesqPDuvJ99W7YckLB-zWui7m=
lZuL2B6E7GQtVPuglzQ7oQtzDUDOclmo09TWCMFMuBefCKT-o2B0rB1b1O4CHyNQDFpASiFgJKN=
QjI75ljqOSM9kisJ5PYjfZLFK6JiJLjvw8EMu_OirCzLqYbjOrgzAPRRHiwumIV-kexfx-AVoZ6=
vwICgZMoHqnu1DuuR4zFJcWyIrVgPSXnUud52gMdTYUwXtTLNV1Ka6n0okZd_csrk8DvIRI-gMe=
OYxN5U-epSI15tW_Oy7Bov3OASRK25y2hKebrQNTTNazdZqdDJkYOUj8mp5TxN8pMZD8I3ih8dy=
kHB0OSmVNBDRJ1KLnx8NU_76CcTakgwiDQGxgpuSMA" data-eligibilitytype=3D"" data-=
eligibilityurl=3D"" style=3D"color: #0047D9; text-decoration: none; font-si=
ze: inherit; line-height: inherit;">Who'd look after your children if you d=
ied</a></p>=0A</div>=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;">&nbsp;</div>=0A<div class=3D"full-width grey-bg" style=3D"w=
idth: 100%; min-width: 100%; padding: 0; margin: 0; background-color: #dee4=
f0;">=0A<div class=3D"empty-gap" style=3D"height: 10px;">&nbsp;</div>=0A<ta=
ble class=3D"container table--body-bg text--center nt-forwardfriends" cells=
pacing=3D"17" cellpadding=3D"0" role=3D"presentation" style=3D"Margin: 0; b=
order-spacing: 0; border-collapse: separate; mso-table-lspace: 0pt; mso-tab=
le-rspace: 0pt; max-width: 760px; margin: 0 auto; color: #000; text-align: =
center; width: 100%; padding: 17px 13px 0; background-color: #f0f5fb; borde=
r: 1px solid #fff;" width=3D"100%" align=3D"center" bgcolor=3D"#f0f5fb">=0A=
<tbody>=0A<tr>=0A<td style=3D"padding: 0; vertical-align: top;" valign=3D"t=
op">=0A<div id=3D"savedcash">=0A<p style=3D"margin: 0 0 15px 0; font-size: =
13px; line-height: 22px;"><strong><span style=3D"font-size:16px">DON'T beli=
eve the fake 'Martin Lewis' or 'MSE' ads</span></strong><br>=0ALots of scam=
 ads litter social media and even newspaper websites - some of these lie th=
at we or Martin promote Bitcoin, binary trading etc. See <a href=3D"https:/=
/clicks.moneysavingexpert.com/f/a/yc0YN5qhqbOqle1PdAEeHg~~/AAAHahA~/mcoVoA4=
blH1F9ynRpEKgo1yN2wN7q-16vzJssIDRgF8YSBlRuO4bfSyPqdl7boXCkBPSLLgonX7ZhJGH0y=
zFVo0Zj2nESNNPk4i-yUfWKZdERKfuGIThkqkytBmsYGCeNqfbxZENraMHt67ybydue3klyhOYW=
HnL0QOMCL095qO_PDluYZLsSi35bm9B7TnO4zHNPKmQHOhpHxdw6dVV-tJKaPwDf3eVU25o2pjF=
riqUs07ZBw3h1TSqbJdQRMK1vw3cpQGNFZ9hZz1903MkJe2qBvpeOFWwW2aKrCRrucp9lKGu97L=
VPUpoIegF6IAB2HydWcQrWXlKzn-fKJkQ9FI6tcsqsZy97kz1rlprk6PVqInaPoKtcl-XTuwwmP=
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A3pgyqHrCxXMA~~" style=3D"color: #0047D9; text-decoration: none; font-size:=
 inherit; line-height: inherit;">Fake ads warning</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<table class=3D"container table--body-bg nt-moneymant=
ras" cellspacing=3D"17" cellpadding=3D"0" role=3D"presentation" style=3D"Ma=
rgin: 0; border-spacing: 0; border-collapse: separate; mso-table-lspace: 0p=
t; mso-table-rspace: 0pt; max-width: 760px; margin: 0 auto; color: #000; wi=
dth: 100%; padding: 17px 13px 0; background-color: #f0f5fb; border: 1px sol=
id #fff;" width=3D"100%" bgcolor=3D"#f0f5fb">=0A<tbody>=0A<tr>=0A<th class=
=3D"mobile-full-width text--center__mobile text--msc-title" style=3D"font-w=
eight: normal; text-align: left; margin-bottom: 10px; vertical-align: top;"=
 align=3D"left" valign=3D"top">=0A<p style=3D"margin: 0 0 15px 0; font-size=
: 13px; line-height: 22px;"><a href=3D"https://clicks.moneysavingexpert.com=
/f/a/rAphxD44J8BgcD8m_Os39Q~~/AAAHahA~/UF2RABMuxd8NgM5UCBWuaBzVFBZGkXePu6Nu=
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oZn2wgW5_q-dQKZpVdcxbaMc9mFPRKZhEXWWJ-9kgx9WnERBYyhSDM1L0O8tIiCb840xcqloGgI=
3wV_aej6YMEzhrdmDkdexA72d8IA2WZcioKPrEvVNNI9VeueKFrHEIJ8jsVRjIckwRzcr_Vnz_A=
B0cKIMC6Fbtqfve4d0LJWwuenruGFgiBezpGA-68ZDWhspQ2EB-0ZBVdht8uuOzsYg-MwJ1r2pQ=
QIHJLDQSa7e5cpXlIn67DYparhs8tk8cK9Kp2_Ip12i_JeI_pKBGcc5f88hYEnwzFmgdK7R2eUK=
SEaeem1rnzail7jWCH8WyKQGF3o6isrBp02Ny" style=3D"color: #0047D9; text-decora=
tion: none; font-size: inherit; line-height: inherit;"><img src=3D"https://=
images6.moneysavingexpert.com/images/money-mantra-text.png" title=3D"" alt=
=3D"" height=3D"60" style=3D"outline: none; text-decoration: none; -ms-inte=
rpolation-mode: bicubic; border: none;"></a></p>=0A</th>=0A<th class=3D"mob=
ile-full-width text--center__mobile text--msc-title" style=3D"font-weight: =
normal; text-align: left; margin-bottom: 10px; vertical-align: top;" align=
=3D"left" valign=3D"top">=0A<p style=3D"margin: 0 0 15px 0; font-size: 13px=
; line-height: 22px;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/i=
9zQox6Uj9IF1skFDxuLNA~~/AAAHahA~/UF2RABMuxd8NgM5UCBWuaBzVFBZGkXePu6NuX8CV1s=
JmrlEEQCUTJI8bs7RFXFu2-21geTjvJ3RR4pXCfAfQfmM3xOJl_wMXzjPfq-cX7QQTFhqHBMH_l=
1r9cZnU4kHnv5VaSMt-w6EcVxpMLvuc-RTxovL6rgwRM_lSnPA9xaCBJHIDMrXKTNDi54KJCUBx=
VW_PIbzIEXkDljetYl6k0hzWQpabxo9YaH9XOW3Wge0TKyYur-pOBKlHgbJb6zoQGBQY2Pr0R-K=
_sYKTYBu25j7NujSeneS5GcLir00K1vzsntzBk8D4wTKJpoKH17_6OXbcg8D0WqjIjSKSsduyby=
trlO2xPC7AWaD96QjVRAiSIoCOUGYPkJpI3RfPj8HbPXQOhSX9iUvq7nhq4-ZPWNvsAGa8fF7k4=
p7n0qHGjEeyXFoc5hRU-fcrdZwyziaA" style=3D"color: #0047D9; text-decoration: =
none; font-size: inherit; line-height: inherit;"><img src=3D"https://images=
6.moneysavingexpert.com/images/skint.png" alt=3D"" width=3D"178" height=3D"=
77" title=3D"" style=3D"outline: none; text-decoration: none; -ms-interpola=
tion-mode: bicubic; border: none;"></a></p>=0A</th>=0A<th class=3D"mobile-f=
ull-width text--center__mobile text--msc-title" style=3D"font-weight: norma=
l; text-align: left; margin-bottom: 10px; vertical-align: top;" align=3D"le=
ft" valign=3D"top">=0A<p style=3D"margin: 0 0 15px 0; font-size: 13px; line=
-height: 22px;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/rMwBCb1=
veTX1ULMYlbtMvg~~/AAAHahA~/UF2RABMuxd8NgM5UCBWuaBzVFBZGkXePu6NuX8CV1sJmrlEE=
QCUTJI8bs7RFXFu2-21geTjvJ3RR4pXCfAfQfvIh6cXvBKceDLLSKgtiefndi44wQhKimD6nQpi=
LUiLnDadX4yuR1OkhjpirGel4zZVBrWvkig8fYSMV-vPA0yqRUwmxY9xIto8Php-JCmj49n3gIb=
0pGwypwbnbzgyTnScQuXSdNd21T5o7N8TGAtn-FVMXARpCVyAUiryp9oMbXn-tvqI9ISDI-Q14b=
I3yqSvSyNW_HGxGHyO4ZyXEUopWeaqyvPpfYuR5VPErd1Rz7oid2cwD7fWuiLHFpjzEenpMCGFL=
jaupKDLH03N3cI-LpaPC8S1Mls2nBmFHqKXG4wyYKS5jxNnzPoYBePtLsJ5XaAmUjuKDtC2VlCu=
w3jBD2CIuNryXIi-qsAvCL3Bu" style=3D"color: #0047D9; text-decoration: none; =
font-size: inherit; line-height: inherit;"><img src=3D"https://images6.mone=
ysavingexpert.com/images/not_skint.png" alt=3D"" width=3D"178" height=3D"77=
" title=3D"" style=3D"outline: none; text-decoration: none; -ms-interpolati=
on-mode: bicubic; border: none;"></a></p>=0A</th>=0A</tr>=0A</tbody>=0A</ta=
ble>=0A<div class=3D"empty-gap" style=3D"height: 10px;">&nbsp;</div>=0A</di=
v>=0A<div class=3D"empty-gap" style=3D"height: 10px;">&nbsp;</div>=0A<div c=
lass=3D"full-width" style=3D"width: 100%; min-width: 100%; padding: 0; marg=
in: 0;">=0A<table class=3D"container table--white nt-bignote" cellspacing=
=3D"17" cellpadding=3D"0" role=3D"presentation" style=3D"Margin: 0; border-=
spacing: 0; border-collapse: separate; mso-table-lspace: 0pt; mso-table-rsp=
ace: 0pt; max-width: 760px; margin: 0 auto; color: #000; width: 100%; paddi=
ng: 17px 13px 0; background-color: #fff; border: 1px solid #dee4ef;" width=
=3D"100%" bgcolor=3D"#fff">=0A<tbody>=0A<tr>=0A<td style=3D"padding: 0; ver=
tical-align: top; font-size: 13px; line-height: 22px;" valign=3D"top">=0A<d=
iv id=3D"bignote1">=0A<div style=3D"font-size:13px">=0A<p class=3D"section_=
_title text--center" style=3D"margin: 0 0 15px 0; text-align: center; font-=
family: museo_slab700,Helvetica,Arial,sans-serif; margin-top: 0; margin-bot=
tom: 8px; font-size: 24px; color: #273157; line-height: 30px; font-weight: =
bold;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/kXTU_BX69qHKmjV6=
-8IWnQ~~/AAAHahA~/POiODKj4rD7AGHLGRXaU4PYja2geJIEfi_5izwXDY5lqoEDL2--PbR6zF=
6unriAAHATNXDNScp_zDkwy7h8JGUMaKHvoiP-4hUlZ9SS7Eu4iD9yvQebZWfGXwh9O30eAXkpZ=
sf-x1aXOT3HNuetazqg2D150dqsYBhu9mKaBS900btLLtnIMBA5LmXtlJx31FTG0w2xxXDF9Xnm=
4sNFBSUVe86rQ-xDT2RZtfKbRkF8b4Mm2AL-1R4paKTG3QpEzl3mis1AaXR-IPYx3vp0reQntTu=
90qRUsUly6bQSqUjOot_nzu1cxx7oOmnOLsgjizcZQ_X6CnEb4gl3Hp8ozosxPCNqGJY7jHpyqv=
I4vAnYEJQbj5HLD6F5HAu344T2nkpuzifR4D-Z-QjsymgwlG9kcK6OuaPjoOQud7jUB-z0Snml9=
CB0pvGBqlHdexN9Y" name=3D"flightdelays" id=3D"flightdelays" style=3D"font-s=
ize: inherit; line-height: inherit; color: #0047D9; text-decoration: none;"=
><span style=3D"font-size:24px">If your flight's delayed or cancelled you'r=
e often entitled to compensation of =C2=A3200+ per person! Know your rights=
...</span></a></p>=0A<p class=3D"section__subtitle" style=3D"margin: 0 0 1=
5px 0; display: block; margin-bottom: 16px; font-size: 16px; color: #273157=
; line-height: 24px; font-weight: bold; text-align: center;"><span style=3D=
"font-size:16px">Lilia did: "Read your guide - got <span style=3D"color:rgb=
(145, 28, 87)">=C2=A3520 back&nbsp;</span>each after our flight from Korea =
was delayed"</span></p>=0A<p style=3D"margin: 0 0 15px 0; font-size: 13px; =
line-height: 22px;">The summer getaway's in full swing. And while most flig=
hts go without a hitch, some don't, lumping travellers with the headache of=
 delays and cancellations. Yet many are <span style=3D"background-color:rgb=
a(0, 0, 0, 0);color:inherit">unaware that if the airline's at fault, you've=
 a legal right to claim between =C2=A3110 and =C2=A3520 in compensation per=
 person. That's ON TOP of any refund, alternative flight or food reimbursem=
ent.</span></p>=0A<p style=3D"margin: 0 0 15px 0; font-size: 13px; line-hei=
ght: 22px;">Lilia emailed: <span style=3D"color:rgb(145, 28, 87)">"</span><=
span style=3D"color:rgb(145, 28, 87)">Travelling home from South Korea, a p=
lane tyre change delayed our flight by four hours, so we missed our connect=
ion in Germany and arrived in London a day later. When we emailed the airli=
ne, it refused compensation, saying we didn't take off from an EU country. =
However, after reading Martin's website, I pointed out my rights, citing th=
e relevant law. It reimbursed us =C2=A3520 each. A huge thank you.</span><s=
pan style=3D"color:rgb(145, 28, 87)">"</span><span style=3D"color:rgb(145, =
28, 87)">&nbsp;</span>Full help in<span style=3D"background-color:transpare=
nt;color:inherit;font-size:inherit">&nbsp;our&nbsp;</span><a href=3D"https:=
//clicks.moneysavingexpert.com/f/a/guoDDppr9hg9TvtI3UTj5Q~~/AAAHahA~/POiODK=
j4rD7AGHLGRXaU4PYja2geJIEfi_5izwXDY5lqoEDL2--PbR6zF6unriAAHATNXDNScp_zDkwy7=
h8JGUMaKHvoiP-4hUlZ9SS7Eu4yuAtB2er_Yxzg-VKgO5pvjGVm3GNFJHaHNzg7KeBejbzr52ub=
SJ7fCLKL40hy6hqnVvzdXVCCzou7rGkxae4TpBOg-zj4YQT3YyAuNJ3_OyKyfJk0ji4ou_CicC-=
ai69pZtLyBswFfgzwttgWocEikXNhKrhPH9LrjAkuOkQoVz8cGtaCXIHBceG2d37etzPA-Lp5ac=
Cqlx5VUngPBCfJKH0xOI9qewGKOHJvoiM3U7LtjT2NafD0IBJ4CXeaadyApN4w5ZxvimzuDsN1R=
zjC3hH2xFNvE_y5Py_WIBDC8qpzrfCiBfVBWxrKgW9VxyhALzj1Zkws6b30pqeF0y5t" style=
=3D"color: #0047D9; text-decoration: none; line-height: inherit; font-size:=
 13px; background-color: transparent;">flight delay</a> &amp;<span style=3D=
"background-color:transparent;color:inherit;font-size:inherit">&nbsp;</span=
><a href=3D"https://clicks.moneysavingexpert.com/f/a/gR8z5oxrgVjP9v62K8_WWg=
~~/AAAHahA~/yMrwgqyaoF0fnGnHimjisT2C_CViobcyM6rwTxiM0nmM3IzRr47eu6abzULSubW=
foOsPL8XAWaOMH5UUxPuidssLVRDASzZim3C0c1hixXD6-z2jJjbNdRo_r_25qziUNZtplbLwUT=
mVsuZ0JBrvLnFAzd180Vj-KTQmUPSX3Ray5BWBAKwD_V9T9NN_qw6BhqjkJXazU5b7GkYQ94pDF=
X6bu9uYEfATj0uCG-iAoDPUHCM54B2lQc9qPHqofF9wCF9d6z2p8fLCGy1bHq-EofrnHmyXbTBF=
qRe3O2_ZaD9W2i0AhqX0hbwJAwwVyuy_Y1xPZpyrhzOUind1mazQ019tWFwCd6j8hAZUuWegybq=
0WeBTGtQyxU2t3n3HQXPs_ghel9j5CpqLlA3f70TvA9gA5PZLP7tnFmnwlOjOBeC1iZikrr5Bc1=
ldDs97ngD2hD4wmyiO4b9VeBzA7m1KbA~~" style=3D"color: #0047D9; text-decoratio=
n: none; line-height: inherit; font-size: 13px; background-color: transpare=
nt;">flight cancellation</a><span style=3D"background-color:transparent;col=
or:inherit;font-size:inherit">&nbsp;guides, but your rights in brief...</sp=
an></p>=0A<ol style=3D"padding-left: 0; margin: 0 0 15px 20px;">=0A<li styl=
e=3D"padding-left: 5px; font-size: inherit; line-height: 22px;">=0A<span st=
yle=3D"font-weight:700">The rules apply to any UK or EU 'regulated' flight.=
</span> It's important to understand&nbsp;<a data-eligibilitytype=3D"" data=
-eligibilityurl=3D"" href=3D"https://clicks.moneysavingexpert.com/f/a/0GmD7=
6tCedkdbOjF09WW9g~~/AAAHahA~/6BOZ9KvC6PV51vpFSB51fLegkEMSsk4BrBeEc3Ul20v7Fo=
aEjCziGkgIHAuaSvGMFNVHMeu7m48IcUj4KctX88c_OEdskTC4UNKM-sn0A2eB9CuOaGEYDoozD=
NMuzLFQQZietl6coensvuETSneVDNhuFmWs0GWhGmLIoVLjzIOAuupiCOAknLIfFnpv1bAsbKdq=
NyEG9VKIh2nuhEQbWUUReocPqxz7gPxRUkAD9-YR0hW2JzHe0iBT3jBwwjkHJ49fluKHYz2Mnk0=
Ogx-BGL-EN8jBa4o7mOnBEdHanUj06J8BRKXxs84xTLoaSwIdw2dKqRNJbQSBF4roqVrAV-bPvr=
MZLOBZRpcVQjXnDUdKAlHWGhYKYhnjGcDrHcdyKsua0A28Fkif3K9YE2U_WVn-8ruAgcSwC5309=
3SrtNuKmrIBHWE3RJfML-Axnb4mnxtHTkkzv9u5ZuV69YTSFg~~" style=3D"color: #0047D=
9; text-decoration: none; line-height: inherit; font-size: 13px;">which fli=
ghts count</a>. Two definitions:<br>=0A<br>=0Aa) Any flight&nbsp;<em>leavin=
g</em> a UK/EU airport (regardless of airline)<br>=0Ab) Flights&nbsp;<em>ar=
riving</em> at a UK or EU airport, provided it's a UK or EU airline&nbsp;<b=
r>=0A<br>=0AAn example helps... from London to New York, you're always cove=
red as its leaving a UK/EU airport. Yet while you're covered if you fly fro=
m New York to London on, say, KLM (Dutch airline), you're not covered on Am=
erican Airlines, as its not a UK/EU airline. In which case, the protection =
would depend on US rules - for this, see our&nbsp;<a href=3D"https://clicks=
.moneysavingexpert.com/f/a/hOAjFU_8aM2pVwlWb-kGVg~~/AAAHahA~/LXYZ8ZRiyVs--=
tKjya7sMeo-GGtn8En5Fn4FXJDPvYTRwNFUBjkSdERsXXZk6Dieas_lcBBCXQtfC0viO5efYkjM=
bqyROl4kc9wVIcSe2b1Cl3cs8kx4oy-P64OBEl07_18hxjrcV9IJKsdmKNlEj64Oj5v1K5dfv9Q=
EGkZPZLY08DWm-Ba3KRvZ8NeOGSFKckJr0-GqAnEfO84gJOBuMQKoDuTq942FRKZp90AQE-ICqg=
hxB23Txh91j3KqtMQDeCRFW5-v3-80UKQ2Hp74_GeguODFi7tpbU8Z0DR8DfMyRiHt1g7UU9v_p=
Bdz10ngvXPTnke94qFhdiMkQZM8qWKPB2vQbS0FScbO950xw5lZBAheTTGU3a3mAhnW3rQNDkW_=
21o6Q05CLngo5e1Jj6TJHdYAIaLPIleWywZtP3sGAi4N0x13FlL2I_kpE6lDf2vZNgfihCoCU68=
9_5AQ4Q~~" style=3D"color: #0047D9; text-decoration: none; line-height: inh=
erit; font-size: 13px;">not on a UK/EU flight&nbsp;</a>help.<br>=0A<br>=0A<=
/li>=0A<li style=3D"padding-left: 5px; font-size: inherit; line-height: 22p=
x;">=0A<span style=3D"font-weight:700">This isn't just for recent flights, =
you can go back six years (five in Scotland).&nbsp;</span>Most people do th=
is straight after an eligible delay. But if you've historic delays, you may=
 be able to claim for those too.<br>=0A<span style=3D"font-weight:700">&nbs=
p;</span>=0A</li>=0A<li style=3D"padding-left: 5px; font-size: inherit; lin=
e-height: 22px;">=0A<span style=3D"font-weight:700">For DELAY compensation,=
 the flight must have arrived over three hours late.&nbsp;</span>When you t=
ook off is irrelevant - what counts is when the doors open on arrival - her=
e's how you <a href=3D"https://clicks.moneysavingexpert.com/f/a/E0nwa8C-DNv=
9EyhNtOuf3w~~/AAAHahA~/LXYZ8ZRiyVs--tKjya7sMeo-GGtn8En5Fn4FXJDPvYTRwNFUBjkS=
dERsXXZk6Dieas_lcBBCXQtfC0viO5efYkjMbqyROl4kc9wVIcSe2b06f_3XlGOUGhfggbK7FiB=
hy33XBexPaipqCk4PAzmgE-M8aEHnK-j2CwObb5i3ryeDRbgWo79zFwXlb0MjyjqdOBwYb0w9dc=
0WSxM4eMp-RXv7ylRcWHJxlAKUlxxOwGzAj-xshw0tnh66zuVKdW5otb5O092MawyfDkbcd7Wc_=
X42u3GPUzntei7qQ7NPBkJBgdfZ0SpjCXuzNtHqXCdoPv1YoH-BkYJVqG1Yq9KMMIRK_RwybaC6=
JKgZTKivy_jxQrVunPxO8EPiF__eFutPuokhWCtIXkgy1CjaGUgsiT_hb05Nn840b5gIQVbvz_7=
E0fAma5ckiDZsSQDp1OTXSLJFe5kqcK6jIBHEqKiTRA~~" style=3D"color: #0047D9; tex=
t-decoration: none; font-size: inherit; line-height: inherit;">check delay =
lengths</a>. Compensation amounts are<a href=3D"https://clicks.moneysavinge=
xpert.com/f/a/oTl1Qb8i3egKDHL_twHCzA~~/AAAHahA~/i-IfHxZuay3KnYuadz9VjWVq5-t=
29RGV0WaVte8a-ffd8dRx704plpS3z8Tcxx4P3qxm12aLC20lUie8MINH598io7U18drc54eHx3=
3XJRKTPPvKOZF_Xw_XinAChNnDE1WFNSYHl2dQmizoCfQVGkVinv7mPBYIEHELvkQx0KAKmQu0e=
HpoXKhVlDH1E-to8H02HsZsxA4uDuuHEOpddseoPyQbvOoKEX3VL0ad3VBTq3hcsMq_Re4e-NC5=
Kbh8kAkY9mtoQODj5NMIG8BlRg4tMDT_0wL4eKrDnn47YlhEVZD4sc1BqufHC-0wi60xp0X9kpv=
1ZZQPLhud5jyI5YAyJ5RIOuVu2oEp78-3qk15UYUaGvgfU1XOxaMwJrf6ukLjeIU9c2Y--WCwWR=
OF5ZoTNoJRIF8IDxgdFcHCzFN2tdJjVd4PiwxrUP85LamKgiC7UFypfb5CAsEcbSnCnA~~" sty=
le=3D"color: #0047D9; text-decoration: none; line-height: inherit; font-siz=
e: 13px;">&nbsp;between =C2=A3220 and =C2=A3520 depending on the length of =
both the flight and the delay</a> (lower for shorter, higher for longer).<b=
r>=0A<br>=0A</li>=0A<li style=3D"padding-left: 5px; font-size: inherit; lin=
e-height: 22px;">=0A<span style=3D"font-weight:700"><a href=3D"https://clic=
ks.moneysavingexpert.com/f/a/yTLrXZfwfhAew7VGBjvZWA~~/AAAHahA~/yMrwgqyaoF0f=
nGnHimjisT2C_CViobcyM6rwTxiM0nmM3IzRr47eu6abzULSubWfoOsPL8XAWaOMH5UUxPuidss=
LVRDASzZim3C0c1hixXBplFg6Y0iJfXX8Rvg3L0SH18Dpb5Glvb7XwqPjLQxJv48IeccfNUE_8s=
hrADm949gd7Rv-nalnPBxeixev4gTzWdIaWTDBNOOw-lYokNTJ5QP53r7Lvg9CuPRYYgm1dGFfj=
aOfzZN5DdKCxtnMYwins4O26QNwgtdlOtchfg7z2eF63b18H1BELZl7LDyxHrskc0o9XQy158Xy=
4Eb9_PwRjDevPI2ixgEcdyorJ8TktD2ZiddsDX5qUfiiuIdpr-FzIhoM76VjF44Owa8KeY_sX0B=
K_Xp394ZXru1k-o4u09xB5LW57iGenK7bQVHDQscIed56_tAeSsSXGFGB66YgDAZf3kPg1bR_KB=
8dPTR9Qg~~" data-eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"col=
or: #0047D9; text-decoration: none; font-size: inherit; line-height: inheri=
t;"><img src=3D"https://images7.moneysavingexpert.com/x1xkqhj4w3lh/6wzZZIs7=
WPYlJKQmbactN2/4466d239f9d3126e6aefafdb68aa5ad6/tip-2023-09-05-ticket-1605.=
png=3Fh=3D250" class=3D"fr-fic fr-dib" width=3D"189" align=3D"right" height=
=3D"172.659" alt=3D"An image of two flight tickets. The first says &quot;Ca=
ncelled&quot; and has a red cross covering the details, which state it was =
to take off at 10.05 from LHR (Heathrow) and land at 15.55 at MIA (Miami). =
The second ticket shows the replacement flight taking off from 15.10 at LHR=
 and landing at 21.05 at MIA. There's text at the bottom saying &quot;Land =
4+ hours later=3F You could be due =C2=A3520&quot;. The image links to MSE'=
s flight cancellations guide" style=3D"outline: none; text-decoration: none=
; -ms-interpolation-mode: bicubic; border: none; width: 189px; float: right=
; height: 172.659px;"></a>For CANCELLATION, the compensation is all about w=
hen you were told your flight was cancelled=0AAND how late or early the alt=
ernative flight was.&nbsp;</span>You're always entitled to a choice of a&nb=
sp;<a href=3D"https://clicks.moneysavingexpert.com/f/a/Txfm4bUuAC5omaGDQxTL=
xQ~~/AAAHahA~/X93c64WR4c9OBMnUndgep6YHr8xzyi2WKhzhRxAQ7bYJfB4BbBdur5qYGI4dP=
bLshpDNcbphlJnK1piV8cFpgXFtfpR88UdBfM2UMOkKy_sotgux_3pXPHZqO3yzRavo0akMCdSm=
HZWcd0zKDcRc4GF14nu5syjBw5Rlxe2NDZvdEauq3RwC_TEoECTV6EUqJtjpPhohXUcPfmTZjz1=
lv0FGc6z3c6bYFIZfBboRqU_uGBn3xBiyLsY6GlZZ5q5gsZaMZ5HwE-N09vIYvKOWea6ptKmGZ7=
uOEePmTuDBS6qpZebAa7pLeiQ4_z6OEPmVxJ18ezcu-vBFFHF32Dpax_4WMJOED7SBDaOOddP5C=
T4bowxMnDaKbQwXeCIh391Wjhma2wG8vJLD8A6blkinStTxosVlzaLOl7bzrJiUufL1KsiQO9vS=
vCKSvvmpCU9WWuf8eaciiWKIVPEroxearA~~" style=3D"color: #0047D9; text-decorat=
ion: none; font-size: inherit; line-height: inherit;">refund or alternative=
 flight</a> if an airline cancels a flight, regardless of why or when it wa=
s cancelled or whose fault it was.&nbsp;<br>=0A<br>=0ACompensation of betwe=
en =C2=A3110 and =C2=A3520 may be due on top if the cancellation was within=
 two weeks of your departure and the alternative flight offered takes off e=
arlier or later than the original (how much earlier or later matters, as it=
 partly determines<a href=3D"https://clicks.moneysavingexpert.com/f/a/3pnnz=
QwNfPWoQrvLquQ8OQ~~/AAAHahA~/tCKbWeklwYN48Jjm1yl461W5lmnESTjiLX_fAM8nAK74x_=
SiSHWZRJQrEBnSw898CyjDK_eIMcX93mcjCgCo6ZUINuvMv4qrr_-JskJTzyoMK4n3m3g1PKL05=
SOgR6rFGd378h5eZSG7yDSxOn61s08IIIzA95CRXb8tawQcTxCwP0-E35LaB7yH26KBT08sJKug=
JoxZUhDVBwcPl16WhxntIrZGpC3xsZTPRR28IOt3i75-f-lu4mXZKLry_He6XAaB1V-LB9jfO1c=
eBijKr56q0mecnHDl461Mpwm3IiG60EfVVH-8piSfF2gt8_mE_q0DIZO1L7Pu7IEa7BxyYqo-yB=
mNBzTFhjsSBCaBxarnGRjVxhRKxzYdmrkLoxY-bR5QQr5VrDQAJooEMH6Iv-DFKORQuQ--xorm4=
bbc5UtFo1Gr7D6JpZ5WpVzAGfGMfYGh7mcHpb1JpYzthkGiUw~~" style=3D"color: #0047D=
9; text-decoration: none; font-size: inherit; line-height: inherit;">&nbsp;=
the amount of cancellation compensation you get</a> - flight distance also =
has an effect). Even if you chose a refund and not an alternative flight, c=
ompensation is still based on the time of the alternative flight offered.<b=
r>=0A<br>=0A</li>=0A<li style=3D"padding-left: 5px; font-size: inherit; lin=
e-height: 22px;">=0A<span data-teams=3D"true" id=3D"isPasted"></span>=0A<p =
style=3D"margin: 0 0 15px 0; font-size: 13px; line-height: 22px;"><span dat=
a-teams=3D"true" id=3D"isPasted"><span style=3D"font-weight:700">Whether it=
 was a delay or cancellation, you're ONLY due compensation if it was the <u=
>airline's</u> fault.</span> Many issues <em>are</em> defined as the airlin=
e's fault - for example, staff shortages (including due to illness), or kno=
ck-on issues due to the prior flight(s) being delayed. But 'extraordinary c=
ircumstances' such as extreme weather, or problems directly caused by 3rd p=
arties, eg, the airport or air traffic control, don't count. See <a href=3D=
"https://clicks.moneysavingexpert.com/f/a/35tbGpwHrv-gIAzkYB0QsA~~/AAAHahA~=
/X93c64WR4c9OBMnUndgep6YHr8xzyi2WKhzhRxAQ7bYJfB4BbBdur5qYGI4dPbLs2IcY1WzmAU=
HjBGJ-84Q6NjJ3OswxDmyci_orFo4COCU9Hor2HUoQsYiKOR4ZRi98Y5aXtghJZFFeA9lcR02a2=
Pol0xJtvqMy9FdrPYZuyUPGJ4kkClvlP496e_Wx3J-1DfF-CgX_mAHEqRF8paCxT8wEJxMt5ilK=
wXpfsVbsgORNhzZOGlUOXjq6DrEsk3a-vywbPPH6sV6n3MYI4woEQhJZojPVjaTRrdHroEI6S5v=
kUQCwDcA89GYJmj9tSr2f2bVslLu9dYbudbdikPiOslKu3A2qCShVy9OHUea0rWJNCqEhBkzARl=
A8hzU9aR855Ed6BDnoYkHv4s-GKxEdcQzdjwS9mf5VKFtesJ8VjBvbXtTYrGxVTr3Fl2ZzDNRg3=
paleqjS8JMkukagGgHInw~~" style=3D"color: #0047D9; text-decoration: none; fo=
nt-size: inherit; line-height: inherit;">what counts as the airline's fault=
</a>.</span></p>=0A</li>=0A<li style=3D"padding-left: 5px; font-size: inher=
it; line-height: 22px;">=0A<span style=3D"font-weight:700">Use the FREE onl=
ine tool to help draft your complaint - DON'T pay to claim.</span> The <a h=
ref=3D"https://clicks.moneysavingexpert.com/f/a/bbe-swbJLBWlKsj17l_WkA~~/AA=
AHahA~/yMrwgqyaoF0fnGnHimjisT2C_CViobcyM6rwTxiM0nmM3IzRr47eu6abzULSubWfG_u2=
sXTklcZwsEy11Utz9jxVcQnWUmAm0R0B57rTCaB45Mu92Kh43vjhqevXvNrikTW015jvySRvySc=
jbEjfZvbQBSu3KCeZXo8sf9Ir6ZGANlNBIfVZ2L1bFrIkDlHiIf1gaaj-Z0cBxsCQtpy9fphmHZ=
ltZvMHQpa2T-sRF3aN8RxXRlEQYmfZa4wMy4FDhpIO2j_a-u91BIfWnKKWwdKxUgXeJDc4-VFn6=
f02uMjjXJpPFV-DR2aWUnj07OhMRwWicKBDoxuUxztxxEdJUeuHiehRdb9rfaM2WJKagpFvapar=
4wQlR5b6u0n8BkL8MjIaLIGg29-rT3_8rUMMSmR7K5UCZeq4c9h3JcD1QeuHYYB2ItiYsAJQcQw=
D_uxG_OP4UYVNc2wWInG4JFOmKA~~" style=3D"color: #0047D9; text-decoration: no=
ne; font-size: inherit; line-height: inherit;">flight delay&nbsp;</a>and <a=
 href=3D"https://clicks.moneysavingexpert.com/f/a/KzRIw6qtRMnPpp--yJdZpg~~/=
AAAHahA~/X93c64WR4c9OBMnUndgep6YHr8xzyi2WKhzhRxAQ7bYJfB4BbBdur5qYGI4dPbLshp=
DNcbphlJnK1piV8cFpgXFtfpR88UdBfM2UMOkKy_v0DXsxeq0DskKtH2Na1D1CAqytQB67c-4ws=
iGtRbSfukZs6UWKPoMTsaJ9OS5V-yG9PmHrMVKFM_E1Qy9f1UsDoQzMe7UVd8nWrAT2tViwrWa-=
DFqkp1On8GTT3AFaTBLf87gje683-UHLSVrJsioR2RQlu77Bqom2sbfCejIAjuDuB5eTFTaXMoO=
20Iby8wn66TJod9eAk54HbpbX7d3f-6Esi9mCYJNUe4_Kvz8z2qMtYfeS9GsQuWWTi4fGXQiTzp=
ft_l8dBaTnDw7-NVcZAlaRGNQavnt6mDYNiGRyECptKU0F7jScCitjiL3px5cSzrRmVd9eR8_d5=
H6hsaRCctrSu2UtTcxnXKekc6f1dA~~" style=3D"color: #0047D9; text-decoration: =
none; font-size: inherit; line-height: inherit;">flight cancellation&nbsp;<=
/a>reclaim tools draft your complaint and remind you to escalate it to the =
relevant resolution scheme if rejected - and as it's totally free, you keep=
 ALL the compensation. Though if it gets tricky, there's&nbsp;<a href=3D"ht=
tps://clicks.moneysavingexpert.com/f/a/VLSpjLByxHnJ7F5sh4y06g~~/AAAHahA~/tC=
KbWeklwYN48Jjm1yl461W5lmnESTjiLX_fAM8nAK74x_SiSHWZRJQrEBnSw898QqJLNHZINOXCA=
M0nTCrqp2oq0KaP0UHoy4Mx3f3wwgMkXrENPE1tkkjjnfYDpXNAo_O5nYGuCMaDWbv3g2X3OPOA=
iPjyOpzZYH2itW7lPuRoTxjkxeFXyU6zzy6ca1DjJsKAnQaqyDK7DdzoIBZvgrKzGNNJTHt4DZA=
Knc41kOZN75VH6e1tt8Gp2CssjkalFQzAv-kkHaUZgzWLMTX1DTsVCEFcjhj0U0tXisWqJGNomP=
uLz2poImoS--pK7hYSIdDSqRf_AnLNUNROA8BF1HLB2f69WCbFWXtRbnE6cgKDobbqUvt15QS-M=
4yeW9snVrA6BGsKQuOb3VbzUQ5-uM9TWfXSugualuXJunndE3suMzBM-GaNQf5wH44fvYVwzbSr=
4d0E7b0lkaC9cG2T3w~~" style=3D"color: #0047D9; text-decoration: none; font-=
size: inherit; line-height: inherit;">no-win, no-fee help available&nbsp;</=
a>as a last resort.<br>=0A<br>=0A<table class=3D"columns--one table--transp=
arent table--bordered" style=3D"padding: 0; border-spacing: 0; border: 0; m=
so-table-lspace: 0pt; mso-table-rspace: 0pt; Margin: 0 auto; background-col=
or: transparent; border-collapse: collapse; border-top: 1px solid #e5e5e5; =
margin-right: calc(2%); width: 98%; margin-left: calc(0%);" width=3D"98%" b=
gcolor=3D"transparent">=0A<thead>=0A<tr>=0A<th class=3D"mobile-full-width" =
style=3D"font-weight: normal; text-align: left; vertical-align: top; line-h=
eight: 22px; padding: 8px; font-size: 12px; border-top: 0; background-color=
: rgb(240, 244, 251); border: 1px solid black;" bgcolor=3D"rgb(240, 244, 25=
1)" align=3D"left" valign=3D"top">=0A<div style=3D"text-align:center">=0A<s=
pan style=3D"font-size:15px"><strong>Should I always claim if I'm eligible=
=3F</strong>&nbsp;</span><br>=0AIt's up to you, but if the flight cost =C2=
=A320, is it fair to claim back =C2=A3100s=3F See <a href=3D"https://clicks=
.moneysavingexpert.com/f/a/v4L0YtifyjGlE1S9AHyNOw~~/AAAHahA~/yMrwgqyaoF0fn=
GnHimjisT2C_CViobcyM6rwTxiM0nmM3IzRr47eu6abzULSubWfG_u2sXTklcZwsEy11Utz9jxV=
cQnWUmAm0R0B57rTCaDtSNppGwyCfkEz-cdFbYV_fvzYChZxcUOw1utjfgt6btCMhSDEPf0Ipdg=
-8tupKJylRIGKsi5LsohMOGFfnp1-g0D6W9T1cKjF-UkcNP2T9Ws9rnBYHMmd0IHfDJIl8Z2TlS=
NTvolnRWsFvr-ptllct36hNjFD0KFyWNkpEFiP56wyzsIM8u7MfPplz3fO2hYrJ9FsBGRwD-0fM=
uxAMvHPmBOq7iwFsmVqIxRFxMxNejEnPLMVlP8euHsoNWe_jwUPdhR_y6sSfpOe86T67cOCjdUk=
eA0Uq03ZxDtf3Id15facX5D0vftCUzjcUzyvr2hc340m4dg_mi_1ws-KhiD_tnBoG6BR35nfnjI=
mjj2CVA~~" style=3D"color: #0047D9; text-decoration: none; line-height: inh=
erit; font-size: 13px;">Martin's legal vs moral concerns</a> for help.</div=
>=0A</th>=0A</tr>=0A</thead>=0A</table>=0A<br>=0A</li>=0A<li style=3D"paddi=
ng-left: 5px; font-size: inherit; line-height: 22px;">=0A<strong>If you're =
significantly delayed at the airport because of the airline, it should pay =
you for food &amp; drink.&nbsp;</strong>A<span style=3D"background-color:rg=
ba(0, 0, 0, 0);color:inherit;font-size:inherit">nd, if necessary, overnight=
 accommodation. In most cases this'll mean you pay and get reimbursed - so =
keep receipts. See&nbsp;</span><a href=3D"https://clicks.moneysavingexpert.=
com/f/a/viiQtDdxMNxLY3ENJEcv1A~~/AAAHahA~/UF2RABMuxd8NgM5UCBWuaBzVFBZGkXePu=
6NuX8CV1sLMh9a_YzKArdfc42H_mKvCSJYlVJRrtBW7jcCBcfZNVNYLnyT3ILUiJXOual5vvxmN=
UQ2Yae94IlBhJjxY0AJ9DCDcj3Vv6TStSYw04GwycUAD3D8QuivcIBqg5PPqsIRv24kxxdb542-=
g5uverzUuvf6t9qzZxjFtwF1QGhAgvxIopa2Cm88-WhpMRZPjYOm9HYZhhyCp2AAtTj3EKYOU-Y=
mT4zj13szToQz01KPQLD2x57YhxTQ79HwYy9SBO48lL0L2SEbaKxO1dE4Gt2nOYlBsnPtXUJTN8=
HOw8fAYLs6jlHlejpoH14iTxx7GqR1522CiCkOHxBXrLw4NqEpoy8zHidk6lhEQYrHcaFqfk7UR=
ZowmGD02Uqio40ywpxXAQM5QOII6rRCL59Y0MwwR" style=3D"color: #0047D9; text-dec=
oration: none; line-height: inherit; background-color: rgba(0, 0, 0, 0); fo=
nt-size: 13px;">rights if delayed at the airport</a>.</li>=0A</ol>=0A<p sty=
le=3D"margin: 0 0 15px 0; font-size: 13px; line-height: 22px;"><em>PS Misse=
d a flight because of queues for the EU's new entry/exit system=3F That's n=
ot the airline's fault, so the rules above don't apply, and travel insuranc=
e is unlikely to cover it. It's scant consolation, but you can claim back<a=
 href=3D"https://clicks.moneysavingexpert.com/f/a/jC7S1W834oeM2qxasY1RMg~~/=
AAAHahA~/e1iknU4_Ly4OF7L3m1JDS-KdsFR-hYzLMZ0OACNCYPxVrGWlEx8--mDRcl9xZ9eIPk=
ebmeRZMV2UIJGk5kWCYhacd-_iHxH2n0wgpPEb4m6ZRpWoDuHIsGhX7s1c_StK-ruLRJhPN1AP2=
eJ04_bylsgzzOVfHJlZGE5s0CQx4Qq9iepWdxceaaTEGMVgokpZmFlZBp2TtRdYuhykio5I-7yF=
b0qMqB7R50XJRqIEbIM2DZwRk_3pPAnLS15OpTar1LHEND4YCITmWxI5cO-i0alK1wFr0A9M7WG=
mCaRLyovAfXn82s4VaKQBMsXy8NRFQhmK4AaFi_17Lt54dTpiUeesfYVFzChYX9POre5WOJsEZV=
KpdfkXf7kDRHl6fzXpQhLt77r4JpKOuaTrbBI2RxSLgB5nBaDgI3NMEv-Yr2Z9Ssqbc2cVHepVY=
S60JX8laxIK8snq70rOIO34w2vdRrw1byDrEieyJl_aCZCPJzR1mCwQW-9PGr5g-CHrzSEk" st=
yle=3D"color: #0047D9; text-decoration: none; font-size: inherit; line-heig=
ht: inherit;">&nbsp;air passenger duty</a>.</em></p>=0A</div>=0A</div>=0A</=
td>=0A</tr>=0A</tbody>=0A</table>=0A<div class=3D"empty-gap" style=3D"heigh=
t: 10px;">&nbsp;</div>=0A</div>=0A<div class=3D"full-width" style=3D"width:=
 100%; min-width: 100%; padding: 0; margin: 0;">=0A<table class=3D"containe=
r table--yellow nt-oneliners" cellspacing=3D"17" cellpadding=3D"0" role=3D"=
presentation" style=3D"Margin: 0; border-spacing: 0; border-collapse: separ=
ate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; max-width: 760px; margin=
: 0 auto; color: #000; width: 100%; padding: 17px 13px 0; background-color:=
 #FEFEF1; border: 1px solid #dee4ef;" 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"oneliners1">=0A<di=
v style=3D"font-size:13px">=0A<p style=3D"margin: 0 0 15px 0; font-size: 13=
px; line-height: 22px;"><a href=3D"https://clicks.moneysavingexpert.com/f/a=
/2Vs9zCs_qA30oD31-V3vIQ~~/AAAHahA~/qMJMHE_5Kl8U7T2b627-sMTAt6C1wLnPW3sfT0pC=
jDWKhCC27YslTlH-ACfB0IVzEcvJ62LB0sPKD_JLR-UiwlJYS7Qj4teMk9uAMzIuPjurKzUBMLk=
oxlQeitkcFchmHXonlLfUp896ngyTnISnJXzCqPAirr7x8RlRQ550lhI~" name=3D"scamsvid=
eo" id=3D"scamsvideo" data-eligibilitytype=3D"" data-eligibilityurl=3D"" ta=
rget=3D"_blank" rel=3D"noopener noreferrer" style=3D"color: #0047D9; text-d=
ecoration: none; font-size: inherit; line-height: inherit;"><strong><span s=
tyle=3D"color:rgb(0, 0, 0)">Martin 1min video:</span></strong> </a><span st=
yle=3D"font-size:15px"><a href=3D"https://clicks.moneysavingexpert.com/f/a/=
mw34E4LwYkhLpuXfgS9fcg~~/AAAHahA~/qMJMHE_5Kl8U7T2b627-sMTAt6C1wLnPW3sfT0pCj=
DWKhCC27YslTlH-ACfB0IVzQy0LDRju8lmnQxRwin6P1Au3zZiNpdaa9ZJ8puqWb6A_0yDom15F=
lC6OYtw1hVuT3_lZQBZMOxiGn0vgmkFibXK5seVvHbcJatMV8bHtUDc~" name=3D"scamsvide=
o" id=3D"scamsvideo" data-eligibilitytype=3D"" data-eligibilityurl=3D"" tar=
get=3D"_blank" rel=3D"noopener noreferrer" style=3D"color: #0047D9; text-de=
coration: none; font-size: inherit; line-height: inherit;"><strong>"Three n=
umbers you need know to protect yourself from scams!"</strong></a><strong>&=
nbsp;</strong></span>Pls spread word.</p>=0A<p style=3D"margin: 0 0 15px 0;=
 font-size: 13px; line-height: 22px;"><span style=3D"color:rgb(198, 32, 53)=
">Ends 2pm Fri.</span> <a href=3D"https://clicks.moneysavingexpert.com/f/a/=
A0XciooWy3u-Jh5KjjlsHQ~~/AAAHahA~/3igdRr3ck37CfQYLxyQElJEVaLnSIj5xMzvvq8ggQ=
9_HYS7MBeZ5Sgz65jqcnFcwDLPhAN1W1GmWVj_bG5JUM0TSYWJxDZ2jEYLoucUlK0YozmusiO7C=
pBaqEiO7RphmdBCycj9ttB6F5yE7X3uhMfJv72FLJ_D8TPnoKJerQbV3WCS2rXqTUVLuZ2ORPpV=
37GIttwNNqBkSggR95Ou52Uq2ZfpsQfbT-9IbwxLgRb5eCA85pvl_WZMHdXnZ5EDLoBpHL0g-gL=
a6AW-J-S3M2R66kqO_mbmCQcdTEGaIv1VCAbBJlPC9Pk-pQHuM-UV5nCYYrbBSu-I6zLmV0YlvT=
gy5s9jIb8y2n2ekx2qwx9_oi_0VCfRr5roudoO-gCdyJ_awEk0ZTxAXSBLicgIVUXM0KyAGqaTi=
jnCa711xNA7SwlaHTloYNTiTAlYXKAfnOVKOHBuMCMIISubGZqy6okoGCy28LPw6mYP9Il0aW34=
~" name=3D"santander" id=3D"santander" style=3D"color: #0047D9; text-decora=
tion: none; line-height: inherit; font-size: 13px;"><span style=3D"font-wei=
ght:700"><span style=3D"font-size:15px">FREE =C2=A3225 to switch to top bil=
ls or joint bills current account.</span></span></a> Right now, via this sp=
ecific link, <a href=3D"https://clicks.moneysavingexpert.com/f/a/OSwwVj33rZ=
z-I-doNiEkXg~~/AAAHahA~/DQfu8iyJXMRd3VnKr8EY0RECBkpKh1MXQQmBsG0SnQS44L6AsR5=
JYDLN4yzsfuI2kJRRjLg9oKHUtRxjo2gfc4VqamYgVI0JjWD2XotqY1wOrT9ohgLE20TkH5RWJT=
ykMne_9L3RDvZuGOBSbOKbxAiGlZ8olxaKBB_rrV_xl02pPCO_b3oVV6FKPhZleIVXRvrzRf9zL=
6wSQgFH7Q7ZSOvciFa1Z8kPzIcLLsKyTl1vwHSyriy4frEOFubi-2mRRDaj8HBgV-Rf3P6hGoPT=
M1GA4IRl-JDNwZsZ67IanmkMadpRbeKOX3X12pB_lq-xuMvaS2zT-L8r4S5qi9vWV8Reqz3nanG=
Y8dbJsMXJwkHT18UodC_7bqZyndfnWagDfmSyUO2lemR3_-IVpuKrsRLWlD0vOMcHcyiBfS2k4v=
Q~" target=3D"_blank" rel=3D"noopener noreferrer" style=3D"color: #0047D9; =
text-decoration: none; font-size: inherit; line-height: inherit;">Santander=
 Edge*</a> newbies switching to it get the normal =C2=A3180 cash plus a =C2=
=A345 Amazon voucher. It's the top account for bills, as while you pay a =
=C2=A33/mth fee, it gives 1% cashback on household bills paid by Direct Deb=
it - council tax, energy, water, broadband, mobiles etc (max =C2=A310/mth) =
- putting most homes easily in profit. If you open it, you can also open it=
s linked 6% easy-access saver for up to =C2=A34,000, and regular saver payi=
ng 8% on up to =C2=A3200/mth. For full review &amp; eligibility info, plus=
=0Adetails of other top switchers accounts, see <a href=3D"https://clicks.m=
oneysavingexpert.com/f/a/2XwnFtVgiInMPS6TcMMWDA~~/AAAHahA~/LXYZ8ZRiyVs--tKj=
ya7sMeo-GGtn8En5Fn4FXJDPvYSNyp8OI5bfp2pCDiD7e8I8mNnmPY_xrT37ukkM7I7WN0pNJYo=
aMK0-EYDLpNF5IeuZ9-v8hGQqE6yX8qsS86KZGB8-aCg4FaN0A7VoffQGRloUCAwD2ewVgmv9dj=
oDaU_10WRboopYpGcwf1M7VXiVkRgHHTwxXMECor2U3lnaTidad9D56V-hgkf53x6UBn8a_vCmV=
MM-Uk-UPZOoicrBPOroky1KK4ntRjfLmJzZv2zPCjvVdY5-xx0Y-TELYj7_VG2FRkxyDJUFu6gM=
GFtiWzd87dQxSKT3iHMJSL0VM6G-CV5vZmuA33AGyiFg8Fz6CjrPa3iU8xzqTgNAonRZHCjlttY=
Qfw7R2lilaj6qDb2iofx9oAPPJBIlC473zBEum-WLs4B0pt_46-JiUBi20J6ArsfIB_eP1Lzpe7=
w7fA~~" data-eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"color: =
#0047D9; text-decoration: none; font-size: inherit; line-height: inherit;">=
top free-cash bank account</a>.</p>=0A<p style=3D"margin: 0 0 15px 0; font-=
size: 13px; line-height: 22px;"><a href=3D"https://clicks.moneysavingexpert=
.com/f/a/zt39PKszILNMW3WMYpyZhg~~/AAAHahA~/tCKbWeklwYN48Jjm1yl461W5lmnESTj=
iLX_fAM8nAK74x_SiSHWZRJQrEBnSw898ejO4Y38fjhQKzHK_RgF0hrQZ21LN-8ggzb4adbkobl=
MePeK0SQiZ9J8a4DadSVKE07qhp4hsIjKlFD1ZYM345T0FZcrUq7lLfl7QvUMnVx-wQJ5epIhPg=
wV1TFlSrEC1s8dEgZXkWypPRZCcNi6oqRMLp6J4ZX7ikmsx64cMXl2R78rqKBsCSWXrHZEN7AaP=
hbH2UAwVfH-BB8jnNAUI-3fZMCP2i2KSSReTooe-p-tW5m1pehQiVKEJICNyR-QKvpSGeHSc_oo=
f7fAPCXJ-UTHTJY-KedZ4WRvJgY_qSdJXJh9imV-LljQetfQWzzsuKQHZdycCSAvx0-Cus7RZ2E=
Ijp_BlHAhAjkIDJJX5evHS5qgwOdR4A0IrMZWInvvYBZcfBfA8op1JR6G7MDfm5Q~~" data-el=
igibilitytype=3D"" data-eligibilityurl=3D"" style=3D"color: #0047D9; text-d=
ecoration: none; line-height: inherit; font-size: 13px;"><span style=3D"col=
or:rgb(0, 0, 0)"><span style=3D"font-weight:700">News.</span></span>&nbsp;<=
/a><span style=3D"font-weight:700;font-size:15px"><a href=3D"https://clicks=
.moneysavingexpert.com/f/a/X0p76SnIEcJGr-e73YOubA~~/AAAHahA~/tCKbWeklwYN48=
Jjm1yl461W5lmnESTjiLX_fAM8nAK74x_SiSHWZRJQrEBnSw898ejO4Y38fjhQKzHK_RgF0hrQZ=
21LN-8ggzb4adbkoblPAD1oatyuY4sLifhHZcnwuHnMQIQZL-IcsvCqGxcZcUvzT5Z3sBQVUEi3=
S6kujGP_8wY7xW1HJ8NKUlz9pZSiXSWE9iTcw9DhUjuoW6Y4oRODYoOJXWRxEeTlVvwDsaC8JG9=
j6OUMz90vC14MgG5-KllebjqjI1X95AHlEXTtJlBQDcEz-6fcNVEYiNXPRkBdRa3B9LBdrlSNQz=
pQBRMm2xdYzhoL3I4PvI2RqQB2F9zHNPlAtIAV3_SN5b7aaiv87qLqZgZPabBc9vvh331AMeQ9_=
9o_m8mkwBGCqHGz4zZHa3lWggWma4b69qM8wPRWUOd5nhtd4H3RFTGjQpkIQaFy7zog_otJw89q=
hpf2K2g~~" name=3D"diesel" id=3D"diesel" style=3D"color: #0047D9; text-deco=
ration: none; font-size: inherit; line-height: inherit;">High Court mostly =
backs car makers in diesel emissions claim - what happens next=3F&nbsp;</a>=
</span>It's a setback but it's not over... <a href=3D"https://clicks.moneys=
avingexpert.com/f/a/6jPKNMpDPovHjfb6K3F_JA~~/AAAHahA~/tCKbWeklwYN48Jjm1yl46=
1W5lmnESTjiLX_fAM8nAK74x_SiSHWZRJQrEBnSw898ejO4Y38fjhQKzHK_RgF0hrQZ21LN-8gg=
zb4adbkoblOAdIfqjapmIBYAMU5r0Lia4wak7iORub4f0LR2PXm00Zjtp_hVe87DUk0-s0AaLhK=
xxd3rb9DyGEWn72TAmVDaEFFGgoNEfUdakS0oaRvWoe0QlGq0f7GzRZC4tyjRWBlkh5vdGaNbY0=
gl3xfzMVFOqDQpPNP-_9qj4U7zBDE2TbleHGRdZuTUjSNa0pcbMhKYCG4_OzKoUeh0g7yoBcvOE=
P86KJUixCssTYSQATMRUeo-o5NPhO41So_qPgmdY72qD7K3qXo4x_EhTNY6JLsJrh-5XGMitxfI=
zkcQlM13xHJySlps2REedvaqXwhn-HyfSxjbJpJh5dMBfFwtUYQ4XEAQ7vCShqW7M5V7NK47-w~=
~" data-eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"color: #0047=
D9; text-decoration: none; line-height: inherit; font-size: 13px;">Diesel c=
laims update</a>.</p>=0A<p style=3D"margin: 0 0 15px 0; font-size: 13px; li=
ne-height: 22px;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/DzmpM=
XG1zfj6ZFDLZvWZbA~~/AAAHahA~/3igdRr3ck37CfQYLxyQElJEVaLnSIj5xMzvvq8ggQ98FHM=
GYBX6VsLDG4ovlKI0k8p9DWB5gH07bF2LH7LJJiGk8AXkZn4xWCQfUwd_DVsSI463Dpgv2C3ACf=
ljp7BeNifHX5WbU30lQWdiLiGgJ_nM41ATX9DQXCCxED7WcE_ei22M7Z12hS3Bs2qMw39xYN2y5=
MWThjnBMF4EzULOVtM1YgzUYL6vJ2PyI_nax-qctkTcjaf4dXsJWybIKNY1QloHXk5_SW3DDFfE=
SV1K_sCkAvsJV1q24HSpgC4R6munOCygK74haRKEgo_KAs2FRWgf5vYElpGhuUxKOzUSNKImyAM=
A6zij5jVeuu1DpJYQ0WJb9Yv61Zn1RggWFocIuXteiN_LBn_QTLf4eR67l6urF_TQlXUYeX0zOQ=
08AdxPHDBHVzheNKiGSh89NA--O_BYe_B12FzoXMSSu_g-5TmfGf8LbiibSjO3DzecvMwI~" na=
me=3D"bt" id=3D"bt" style=3D"color: #0047D9; text-decoration: none; font-si=
ze: inherit; line-height: inherit;"><strong style=3D"font-size:15px">The to=
p balance transfer just got cheaper - shift debt to 0% interest for 36mths.=
</strong></a> A balance transfer is where you get a new credit card that pa=
ys off your existing cards, so you owe the new card - but at 0% interest. A=
 reminder that the top card from <a href=3D"https://clicks.moneysavingexper=
t.com/f/a/DIrDl33qq7YV1eUMk77v5w~~/AAAHahA~/IP4HvkF-0UdUSjYYMxokNjiQG5X1nb7=
cWiat3ojKY7Dj0TyeNI4LIRxW1g7N074g3v2F7F8I-qy5t6cCxfGYxld6054Fki6jDCdG3QEDpx=
hvVo0ghjhULwBpQUlbTjPGn5etfil42p8kfJPBZFEBIFs4eJzYgIC45baN_m31AC3-HiNRtSF5E=
AsepKagOVkDWVtaXCKmGhlQdQ0YXLc6RVKumCpOLnSTgbKM_pgWiSqhnJM3g2jsMNZAoZxUpmRE=
Gm6iF3iWnPe7eEungaTJLFlldi7lpL8U8GSTVNNhjgLNmTa6KnED3sMn3qCsmqkshl7UrBW58WT=
N9A_zUMBf4DoxA51siOq-3zqlhhzsd8PMkUVQFWh8nm8IXdrPtgucPdTUgruqp7wQ47WIYhJ_lw=
6vPYR5bBGY1wMynRURRxrCpq2tSGuAMYYXzXRYe3qovTTsSRGqSqLiBj822qjmxqo09Ihoi5Lnb=
C9XiuPc2QHymD-rwiWRZ4PNeHzhb5nQsZdJ5LlMz_0GmObQzncESE5Vl7daBlqyE2PXJ0UnPyI~=
" data-eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"color: #0047D=
9; text-decoration: none; font-size: inherit; line-height: inherit;">HSBC</=
a> (existing customers use <a href=3D"https://clicks.moneysavingexpert.com/=
f/a/x4UpTMMsvqppPleCQrY3BQ~~/AAAHahA~/s9U_PJjHk1UzYl1D6RZlXZIkUBYqd66m3nQUd=
6LyA_IXtoZPeLeAJRDAYsfwiVXNhIZksLNCH1P6kRFKtoBoeyGrSBacDh1WRr8tMb2Qzm5CoR_k=
1Uh96BTmKIBdYbeO8DpO0RaSiIwq847Wq-8VCHDDd5ywxMkiv0Mt44ARt8kt6KyJ65TCCRdTkZN=
_QHAQtspWwWxp6pq0aBEaHjx4IpHr9fy7XZpfLZT4sD1iodquqh9HgPbyU1tP3QSAtH9t7-OTbQ=
RO1YMg8fmnAvmw9CEgt8UmpvK8zdO15y4AilQs2rYRhdvqX_ZeGooq78yusDi7xTJSZOagqwrM8=
pxn2uPEuCIeMi2298SuokT6V7q1esw8PjqmgSwJm9JNi3tSZ4HcYd73uL4uqesTFszxPc97ZYYl=
vdTzccAjPTiIOJN7ryaCf_LQK8P3RFgLiFrq63q3MxajcWeajRm-hck_AJQam-dbv0u_dKuZs04=
WypcBwEbmgmWdHAUnSEOFe1kAneklFk_SCGcKT69zdPM6yaJaeN0cRbQWs-L1LVxT7Gw~" data=
-eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"color: #0047D9; tex=
t-decoration: none; font-size: inherit; line-height: inherit;">this link</a=
>) gives a definite 3yrs 0%, now for a lower 3.09% one-off fee. Plus, trans=
fer over =C2=A3500 and you get =C2=A325=0Acashback, effectively reducing th=
e fee. <strong>Golden rules:</strong> Repay at least the monthly minimum &a=
mp; clear the card before the 0% ends, or it jumps to 24.9% rep APR interes=
t. Full info &amp; more options in <a href=3D"https://clicks.moneysavingexp=
ert.com/f/a/l8aM_n8ASzattxoPaQMa5A~~/AAAHahA~/zRZNEA3-P3iQ1DkAA0Apd1xcoY-BZ=
OPmE5sjWi3BMYRRORKEMYXtTaLWbdwNrivDJbA-_r8OYMpH3H4Y4T_LE4-c6-qSW-PKLfxqBO_6=
YEPThAcOjf7MdgVut1AjI2Zr0mGsGq94_E4f2ZAb_z7mZ9qkDiL_TkfyN0El_hv2it2cK2Sr9Zj=
LPEG6ThpC8sKdTUSYPr4cNlrk7OhIRAIysZ7gqUIMOsVb-lw9leTbYR5mgLeKZifFkhxdBMk-dk=
Fpvf7eLuSMJVcmCALSilDluFrTBmEuqJb8yhHGBQw9hMgx2OqylWq_XulWHrCQ84IOn3uASngR7=
pRJClBt1rPF0sE1yk08Wc9voDD0hFK2Soovrw4tnugiqKMt3fqZMgx_2Q9ndd7EybfwP7pQndgT=
utINl3Xs8H9rgJLfO__Yu_xYo91jx6z7sjYh0fRX17WqqRaSlv-FQRlEGOTRXxYWdCB8usHvOLz=
KFExGLR9T4SQ~" data-eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"=
color: #0047D9; text-decoration: none; font-size: inherit; line-height: inh=
erit;">Top balance transfers</a>.</p>=0A<p style=3D"margin: 0 0 15px 0; fon=
t-size: 13px; line-height: 22px;"><strong style=3D"font-size:15px"><a href=
=3D"https://clicks.moneysavingexpert.com/f/a/neoW79CQSfAOP7JxAuwA-g~~/AAAHa=
hA~/3igdRr3ck37CfQYLxyQElJEVaLnSIj5xMzvvq8ggQ9_YUjxKLyi-q11LAxquPVDtB5qVu0K=
yMMVhskrTHK8pzsRrCyCtgPHGO4P6TIPvs_MyS-zxtkjPjB89EwrlvvK_pBleiKcDVNCroYS1iV=
2OZjON_bLq7hQYOfCzDCWUGTCncV3_ZB6dvOCK1NaFCHnAnJByULDcuIhoEfqiEDaP9ghkgYoZf=
zMHYidiprwLwZ43PA6MxnHF_MjdwlbrzrKxzAmNrfaXCZ_23X4KNbjbdKXZxBkNCeGmPRy3A00_=
OAk2rEH8f8_1dX2_uXPd2bN7geAEzY1gQ98oawNwzK7RZfrHRb6aQdbfqU0X3IJ-f0esQmpr9U8=
oAbJKJbGEzrxhu2uWsu18WpcYP2AQEnGSf4bkLNK_54tNydGnX9CWphh0kj2d5lq8SRP5soxpc-=
nwEPWU5h3kHNrp1YtiwCN630KTDDAbd3MocovVSicyZBk~" name=3D"civilservice" id=3D=
"civilservice" style=3D"color: #0047D9; text-decoration: none; font-size: i=
nherit; line-height: inherit;">Civil Service Pension scandal - deadline mis=
sed, 1,000s still waiting for payments.</a>&nbsp;</strong><span style=3D"co=
lor:inherit;background-color:rgba(0, 0, 0, 0)">See the&nbsp;</span><span st=
yle=3D"background-color:rgba(0, 0, 0, 0);color:inherit;font-size:inherit">l=
atest</span><span style=3D"background-color:rgba(0, 0, 0, 0);color:inherit;=
font-size:inherit">&nbsp;</span><a href=3D"https://clicks.moneysavingexpert=
.com/f/a/FSVLOEBHb5eODy0k1wVyLg~~/AAAHahA~/3igdRr3ck37CfQYLxyQElJEVaLnSIj5=
xMzvvq8ggQ9_YUjxKLyi-q11LAxquPVDtB5qVu0KyMMVhskrTHK8pzsRrCyCtgPHGO4P6TIPvs_=
MyS-zxtkjPjB89EwrlvvK_xdCUmcWGemTZVWwQ5SVf9asuGqcFLevioxL8dmQWSfOIt6vUbk4c4=
OiqMzzRg89gsXylwjfPQpKmWfgZEnPMELFTmUtNn2TloY9NuPowYPvTo7n4ZJFhJzAOy-TdRTdT=
8C4UwwNI93t1iz7Z_tFxwO-Roa9RTamGrB_SRJsjIXooQIdbZOCUPRgr53or8jXXHlIWwUoq6H3=
1fezECtkDcjtqNx1UiEWvi7FlxyusuCUD11pkYLKpAFPtzMPgdgjkWhSO5B9G6-gV3eNQ7nfveE=
-bjjW839xE6zGA13xbwgKtrcdxWiFo7aC8jmPCo4qbfwBiyDHG2YyeDsPxKZo4Q82iH-MX3x-Wk=
epCIuLWLAY~" data-eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"co=
lor: #0047D9; text-decoration: none; line-height: inherit; background-color=
: rgba(0, 0, 0, 0); font-size: 13px;">Civil Service Pensions news</a><span =
style=3D"background-color:rgba(0, 0, 0, 0);color:inherit;font-size:inherit"=
>.</span></p>=0A<p style=3D"margin: 0 0 15px 0; font-size: 13px; line-heigh=
t: 22px;"><strong><a href=3D"https://clicks.moneysavingexpert.com/f/a/iJArO=
lEWhEu1mstMxccM4Q~~/AAAHahA~/RP-g3jNOX_D93gfNTH4QX8br1OrY0c-CKYfps0-ctFwC59=
OrD3QVNL252msuW_5w8n7WhJo_l_C5rBPruD3ydquT7COjPjV-B9Kg181YyvyIGSABHPR4Rzz8N=
ENOOlYBk9cPnZXiil8--UMSxQo5MH06gcSa4IB8Jl79fj_fem2AeCb4fYrbt6N2qMEZAE4dkudw=
RZwsZb5tO-Iq-7rlb5nDzd8x_MR5U3ER8H72XxWS8m42OtfrebjMynwHwJQVXdJltpW6vXebYsz=
ahq2NQdr1CTpU6jg9zm8-cXpfWJL2rHodl5PzBlRqRdSFusUpkWW03TuZafDz9R1zHLepNij0-p=
_2pzaPmrFw-iRDgLYvDy0OmhaVPuqqIH8uw_NgPXihaeyV0QO1tB67BQs-qzTQjRUxG2i1SPCRf=
X4UrSzv9GG2WgeOWCocl_gghO9MR8WpoFwIwTfvW7MCFhrTxxDtlPwgMmyl7twyLTrOYjg~" na=
me=3D"pmat" id=3D"pmat" style=3D"color: #0047D9; text-decoration: none; fon=
t-size: inherit; line-height: inherit;"><span style=3D"font-size:15px">New =
MSE Pick Me an Energy Tariff tool.</span></a></strong><strong>&nbsp;As fixe=
d tariffs get a tad cheaper too.</strong> If you get analysis paralysis whe=
n you compare energy tariffs and struggle choosing between a long list of s=
imilar-looking deals, then our Cheap Energy Club's <a href=3D"https://click=
s.moneysavingexpert.com/f/a/Ry66RbSnWlpgnxpsWoO19Q~~/AAAHahA~/RP-g3jNOX_D93=
gfNTH4QX8br1OrY0c-CKYfps0-ctFwC59OrD3QVNL252msuW_5w8n7WhJo_l_C5rBPruD3ydquT=
7COjPjV-B9Kg181YyvwiJe4atAxS_1lMu2uFEgpLP4xoVqJ8UJoZrdOxnPqsNqe33g4jR0h0eUF=
iiX0Q11fbUwov3pmHAGto4q0vretZNqMiAW5ktYJG6RVgp5Lt8dscT4lpQUzfHu1hpWHFBD2ihH=
F2R4UAYPW0B1zTNDycB7r91m7M7uDONlBZMF7pktouFOQVlz0Rf7AWU3UOPEeo4MSfvDlnQxWvC=
bJ_izwfpf9AIlZp3eIfvjMI3467Jy1qomLoCgM1ZFbjfrRD4REmaBBAL2ksAScifk4Hm-oeUEpp=
d09T0u4oBV32s5hNyLev1TAt2AD9RARCRbJMTtT1RkVSQpt4FNwTOTL6CenYYyktrtTqUcFR3CX=
nUQYD1UAco172T677riNSeBwG2K4~" style=3D"color: #0047D9; text-decoration: no=
ne; font-size: inherit; line-height: inherit;">Pick Me a Tariff tool</a>, (=
re)launched last week, should help. Quickly tell it what's most important t=
o you (price, a fixed deal, a name you know, etc) and it will find your clo=
sest match. And switchable prices have got a little better in the last few =
days too (though still aren't great). Of course, if you prefer, you can sti=
ll <a href=3D"https://clicks.moneysavingexpert.com/f/a/xhAil4g59rkQLDb-CL2r=
Bw~~/AAAHahA~/DTRMTiSN2QYen9JTFYcRQ1r29NNmj69ulixHUVUlqGgtMjT68xmFR5J_e30n_=
GplTZlndIchIj2_4eEsiTPAUjWeFlvL1iQZWz_jS-nx1IFX14PCe_0g89PFCMhGGcWb4lXFvigu=
YuJ0ps11YscYY8TL4Kug1Y5-4MOufg23vEiK18IgIw6X0_e772rnK-0rVUV2urUhMeVwgg6CmsW=
HicxvTDfPELHB8IRkV1FUxfsYfK4Pb6qrNd45nuZVgD7K3pnrHwQTMAFYsw6B8mUQrgguhGU8u4=
HPswP0q3lfb6ufMgtLBUBTTLy3wl5gDnFd3NFD7eHJDEEaYs6Z70yPDmBvv2wFFdjaWLLlghS9F=
0TmG2nyXUKLNiRn7JUR9x6_HFuhaQRdWTSIR4YdFcoBXifJ1h7X9buG9M75Gag1-4PH4aIk6uCP=
Bg3oeSluw-qB" style=3D"color: #0047D9; text-decoration: none; font-size: in=
herit; line-height: inherit;">do a full comparison</a>.</p>=0A<p style=3D"m=
argin: 0 0 15px 0; font-size: 13px; line-height: 22px;"><span style=3D"font=
-size:15px"><a href=3D"https://clicks.moneysavingexpert.com/f/a/N4Le91yBbuy=
fx1Zx343ROA~~/AAAHahA~/yMrwgqyaoF0fnGnHimjisT2C_CViobcyM6rwTxiM0nkVj-yFNYnq=
91GfpGVY5pc5i28e5mQqICLPwQxhn8dhRrHRNkfhp-9h03XPahCOMreAGlali0zjrt_1mrbx8w3=
mCb2OhNj8o6VIn1SlG6-0Yccud9gsmaGHIVDIRMYZPJno83QSSjgV1f2OFXOzhQtzffTEIu_iEY=
XLnw5-vhkqmkvqT5n4YOok9F5NIdqiWg2hVjwPVOv1Ubur978NMTUPA2Y4lcif3kfHqvqW0gPen=
3BzXYgPsoX-qcozcxaXRTv6PeQFugCXYXwEMreJV2H4swc_YBJncu_03fA6TFxkH8RElVbnd_oY=
hIw_QxAfoKP0fggGp0OgRkfTo__Yho4aND5ZieaQo5IZze8X-dZIzrGqisZaK3SNbzhutRGN7E4=
aNR958sNYQLIVIQS6vL_DKa_Z-d-fj8XZG_vqSc5TAg~~" name=3D"karcher" id=3D"karch=
er" style=3D"color: #0047D9; text-decoration: none; font-size: inherit; lin=
e-height: inherit;"><span style=3D"font-weight:700">=C2=A390 K=C3=A4rcher w=
indow vac for =C2=A345 with code.</span></a></span> <span style=3D"color:rg=
b(0, 130, 132)"><em>MSE Blagged.</em></span> Cheapest we've ever seen it. 6=
,000 available. <a href=3D"https://clicks.moneysavingexpert.com/f/a/oHIOkiv=
hyLEdOD4LZf7VIQ~~/AAAHahA~/yMrwgqyaoF0fnGnHimjisT2C_CViobcyM6rwTxiM0nkVj-yF=
NYnq91GfpGVY5pc5Q8FTmZuQeEVJZXMVi90zHoexoGz5Bbta_4N1L6olbolRiuE2JPHuMaaL4Qt=
2SSC_vt4oxg-JBtV1tUxJu3Gx741lEiJeL3X9RQbq727YfxTLo4fRdlgEkRcjqPifuj95IF7jcl=
mZqQzdRcVr52W5djhiQJa_m0eAUxBLXn4ggeM2M1z6v3r3uLzzpPII-pcQ6BoxSiDgnX2JASotk=
ZUpqmLSnZB_xhfYKmCVz4CxFMgvtjlw290ifRRjl_cUblQcmMypUM1edwuw7XP6C_IAV9t1p6d4=
fGG-kgZqj0DeNJ-KQWg3lpMiej1BQnZwB4mIlrDLJQJvOAXvyt8qa5up-uWNvNAm6DBJ95StNOe=
0HdzOop_NQ_VlIAKBg8QoLoAwp2t3mUxNhvop0eD6fs4_3Q~~" name=3D"Karcher" id=3D"K=
archer" data-eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"color: =
#0047D9; text-decoration: none; line-height: inherit; font-size: 13px;">K=
=C3=A4rcher</a></p>=0A<p style=3D"margin: 0 0 15px 0; font-size: 13px; line=
-height: 22px;"><strong>Martin:&nbsp;</strong><a href=3D"https://clicks.mon=
eysavingexpert.com/f/a/7B2oiFWIeZ94U0_6ZNThpg~~/AAAHahA~/3_MC7suTInNJz4GLWz=
4llz8PnPWRIMy7cUy1HYRgPmG9FL-j8O6J-d9HBaaDdeI-xWojEZzhH5OKwsFEoeCkC3rmPAeYI=
hUeMY-MKcZq7xMaPh8kc4A6gtmFGr-dxZ5q3eS5z6Yg_nxpSD5mc0Ajx01fqSx61tTPGu-w6gOS=
hjY~" name=3D"mmhpi" id=3D"mmhpi" target=3D"_blank" rel=3D"noopener norefer=
rer" style=3D"color: #0047D9; text-decoration: none; line-height: inherit; =
font-size: 13px;"><span style=3D"font-size:15px"><span style=3D"font-weight=
:700">Have you or someone you love struggled with mental health AND money=
=3F</span></span></a> <span style=3D"background-color:rgba(0, 0, 0, 0);colo=
r:inherit;font-size:inherit">My Money &amp; Mental Health Policy Institute =
(</span><a href=3D"https://clicks.moneysavingexpert.com/f/a/_JBksJGn_gw2Wf9=
0elswWQ~~/AAAHahA~/pEhFtTI6T3CzNn3xa3MDsUED8wun_FR5vtVYP5sGI3E7QxPL8IHEj_58=
Pdj_7bFbWX0JAZ3I-OHWOB_P1kRRklEgZYAvHLNuSM9pAA4aGE4DKh2Bnysc7n9tsE-39zHtclF=
Gwb2MIS2jTnk1L_aaiA~~" data-eligibilitytype=3D"" data-eligibilityurl=3D"" s=
tyle=3D"color: #0047D9; text-decoration: none; font-size: inherit; line-hei=
ght: inherit;">MMHPI</a><span style=3D"background-color:rgba(0, 0, 0, 0);co=
lor:inherit;font-size:inherit">) charity is 10 years old this week</span><s=
pan style=3D"background-color:rgba(0, 0, 0, 0);color:inherit">.&nbsp;</span=
>Watch this video showing <a href=3D"https://clicks.moneysavingexpert.com/f=
/a/mQdZ8zEjo5DHwEPGR8o3HA~~/AAAHahA~/ynRdcKDj0i-DPLuD5H-NJTzGfoX_SAqGH2C4SP=
XYoKK3ePoZrpevAhjSlwIVJ4ePNdJ-6vwQJEpusQHzKPgMYF_ov5MisTNg5eT5K_dFI_bNeyASo=
hNn18tX0fRdk9gMDGUti8Etyrqw4H6K-_VwAEi6mOQw8QCBi5PjSfog7qI~" data-eligibili=
tytype=3D"" data-eligibilityurl=3D"" style=3D"color: #0047D9; text-decorati=
on: none; font-size: inherit; line-height: inherit;">exactly what it does</=
a> - and how the brilliant team changes laws and=0Abusiness behaviour, and =
how people are helped. But none of that can happen without people with live=
d experience sharing feedback, so pls <a href=3D"https://clicks.moneysaving=
expert.com/f/a/2WyEBqKElE-7oCL1SkKnvw~~/AAAHahA~/3_MC7suTInNJz4GLWz4llz8PnP=
WRIMy7cUy1HYRgPmG9FL-j8O6J-d9HBaaDdeI-UQD6MHSZs-vr9y2BXC9GKdakC_eBWlsm63her=
JbwswOMQAcgGwTsBXHXDsFIrk2wZ5ZwPWKB6HzXhEDYD8QSg5G4R5zlSWcWE-ILTasd5Xs~" da=
ta-eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"color: #0047D9; t=
ext-decoration: none; font-size: inherit; line-height: inherit;">join MMHPI=
's Community</a>.</p>=0A<p style=3D"margin: 0 0 15px 0; font-size: 13px; li=
ne-height: 22px;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/2RJ3F=
eO4GLYd8TiD1mbqBw~~/AAAHahA~/LXYZ8ZRiyVs--tKjya7sMeo-GGtn8En5Fn4FXJDPvYRVxN=
7woyorc6dAGzI6uHy4CVpccIHbYDR3gPQhjdH91Yo34IOiPKK8QyjfnRk-aa4PapCgfuvwWBiQX=
m2AKiO-8ezqktr2HvOUB-JGNxf_tkNZs7WP1A5Z6gW1WWaWkEhMKi1xbT20JIOpZmN7ak3WEu3s=
jm1sb_pmQsqqVMu0PG_o3uwCDhgKPmPXGJGa7GUxapAduCNopdPFFMvPGogw9pH8mL78Vp8Vwb4=
KJrhz7A7PFyOcsdfkxe473dUdv_xm13Vrn4waUVEcPdOao8vgkBVBU29eja3N00yt9_rBB5RcK6=
4Jngb3S93DRg52PTVLI17KPEmJVJLK9zM9NZXpynkayxk6F8NmQNq1ksIzcF1NZooHlDJ20UjQL=
qKnA79XsRewrzEMs35MqLbT6fLFzxv6_QkCqBRJx9wAUto6jA~~" name=3D"newbalance" id=
=3D"newbalance" style=3D"color: #0047D9; text-decoration: none; line-height=
: inherit; font-size: 13px; background-color: rgba(0, 0, 0, 0);"><span styl=
e=3D"font-weight:700;font-size:15px">Extra 40% off code on New Balance sale=
 items, eg, =C2=A350 leggings =C2=A315.</span></a><span style=3D"color:inhe=
rit;font-size:inherit;background-color:rgba(0, 0, 0, 0)">&nbsp;Till Sun.&nb=
sp;</span><a href=3D"https://clicks.moneysavingexpert.com/f/a/rLoW1A5QddFIJ=
Fp5utZWGw~~/AAAHahA~/LXYZ8ZRiyVs--tKjya7sMeo-GGtn8En5Fn4FXJDPvYRVxN7woyorc6=
dAGzI6uHy4CVpccIHbYDR3gPQhjdH91b0DbiAmPz1F2vG7mXWLjw9sdX0pJ_Hv16svmDtmVTGp1=
ozKI64UXFfXlpdUc3VVZiRj7g_1jGP5Uxa4Obkb8YdIJS__4ukzqEziJvoLVgx9Ez1mV3WXwV6d=
PhpMASQBouUUR9IBnfEuV5R42HB1X6TaoAHCeJPiBZouX_P85IB0gceGMDFp4U2aowxli5xDaBy=
rURLHlpWIF1x4Y7iDipyyUSTNG8Nxcod9c5gABr8FOm8CoLO9DSTa0sDBnJ6PHHj4kE-FsQUeWG=
Pkd5hmw5sBu76SCQj0mncMbtgRMeuqXhKHEEhpqf7H3VeS7zOTRmiFD90eB_cV2ARoJyGS0LBzm=
Wxc0lrrDvYpXzzTHY_TyKNnTIUH62KE8augjjc6UA~~" name=3D"NB" id=3D"NB" data-eli=
gibilitytype=3D"" data-eligibilityurl=3D"" style=3D"color: #0047D9; text-de=
coration: none; line-height: inherit; font-size: 13px; background-color: rg=
ba(0, 0, 0, 0);">New Balance code</a></p>=0A<p style=3D"margin: 0 0 15px 0;=
 font-size: 13px; line-height: 22px;"><span style=3D"color:rgb(198, 32, 53)=
">Warning.</span> <span style=3D"font-size:15px"><span style=3D"font-weight=
:700"><a href=3D"https://clicks.moneysavingexpert.com/f/a/sY7JL2cDgVbURCW3u=
WWJOA~~/AAAHahA~/ScrTeBbO5sU6Bk0KFVV5fOwFy57eqQEQBWa410OQQyFajYGKItLTqOCSOM=
xKUkQtZ5FDmlyVngrfqsA4YR2E18thJWx_QBqi3rLpHzPCz7X5tFAMULN7_uoxhBKxcRvKImw97=
f52yS76kVVhQfjO_Sn1eVFp9BRYQn42U1su7lv30Q1LeqaS3MIpNXsUain-cJZU0KXJrnUi1-Ze=
b16MoKExjfisZ98C1CiUTihqbEM3bWRdCzuaGmflQrInyIC66Wf-aDQDw-Vp_h9BJmdLPxbGgCC=
VZvn813d9PV1H6HLMxR4vmJt6dGDgGI85VYNU-rbPRRZMSxV9AmPMc5L6TDAzL0BufPweuS9UBS=
ucoKT9dqmYyEKzDZ-gSJEvjJsPZEJaF4Wg-KAbomX0pTdMlSPOAKcVZzDgGWT0blQCMRluA0Y7M=
T0Lp_gxOp-15bJhmMaJoXPM_4xkp1aSaEP8VVoKTC2Y5dp6Va7q7Qp-tJA~" name=3D"jisawa=
rning" id=3D"jisawarning" data-eligibilitytype=3D"" data-eligibilityurl=3D"=
" style=3D"color: #0047D9; text-decoration: none; font-size: inherit; line-=
height: inherit;">"Please spread word - we're being forced to close and mov=
e =C2=A31,000s from our kid's Junior ISA because we didn't know they had a =
Child Trust Fund!"</a></span></span> Around 1.7 million Child Trust Funds a=
ccounts were set up automatically, meaning it's easy to double up. <span st=
yle=3D"color:inherit;font-size:inherit;background-color:rgba(0, 0, 0, 0)">A=
 salient warning from one MoneySaver who thought he was doing the right thi=
ng investing for his child in an ISA.&nbsp;</span><span style=3D"color:inhe=
rit;background-color:rgba(0, 0, 0, 0)">See&nbsp;</span><a href=3D"https://c=
licks.moneysavingexpert.com/f/a/wUP0j-bUtPp4cAmDtctG1A~~/AAAHahA~/ScrTeBbO5=
sU6Bk0KFVV5fOwFy57eqQEQBWa410OQQyFajYGKItLTqOCSOMxKUkQtZ5FDmlyVngrfqsA4YR2E=
18thJWx_QBqi3rLpHzPCz7X5tFAMULN7_uoxhBKxcRvK4Rb4bEcGRGvdY_FZ28NlBEXLqrb89Za=
lNALfaKem7LqSiVkWa4smJNn4D0Dj0pan1nXQsyWsqh-3l7BoKQgo-SWvhgJKqNKQOIWDHc2HF6=
g4G3CXOaXhFjDJJlHgWTvWWlKKDaZakZSk723-ZvIgth3fcSHCIoxZkiqQsrOXRQw7oLqq8vxxl=
m4ymT_L6DpdYHxGY-KsMf3eOu8EkpisE4wVnWCc4jEisZbogqprod8OfCu6jk3E8p51p_gzVjaB=
pEfi09ic_gMqLg1G8H-iGSPm-v-BdHX4M6PkigVXjonFKfUa77sQi96xDz0kMGFY0oTz-Z-Wmd2=
n9MJxzwu1DVUhnHw6AeLZ3mWWjx2NO14~" name=3D"jisawarning" id=3D"jisawarning" =
data-eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"color: #0047D9;=
 text-decoration: none; font-size: inherit; line-height: inherit;">Check be=
fore you JISA!</a>.</p>=0A<p style=3D"margin: 0 0 15px 0; font-size: 13px; =
line-height: 22px;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/B4u=
9ncz8Z5XdbRe9W3W0Aw~~/AAAHahA~/i0eAXCM18azCaeOE1zZku-E4XJ3c9I0T-UP-c_sqqmpm=
qBQaALOlD2MBwiTY2kWktTjdfTn0QpirRUNp45pRLx2qSY08DSEQGuHMOjTPd1DswqTaDzvv3fr=
TOTTwj9wMwt06JJOVwkI5WG_pVxp-oUpFZiuDgHbEX0lajuliXEziUsjQS5y46w2GEllTMSXgmF=
vxl14cmIlQboUjav003sma2dXEbKr2BmbH8EBag6oGAh8IRhIVtFVSuxtMKg5PbBO1t-X-EllSa=
wKJ3iPgAvSaSjgasW8o_TwkFZDcmtNaNw6JynRRt_eW9yGPWWElr-swhAcn6JnfoBBRFItUZGDp=
8xnF1lYZNMRXzBCRP0OqD86pUurVvUerMCvZeYtw7h5rKJyLqXBkaogrxO6VckvPV2g6S89Ms0y=
nZJwbasNu8R6yDLCvMF8PnPq_2DQo" name=3D"debthelp" id=3D"debthelp" style=3D"c=
olor: #0047D9; text-decoration: none; line-height: inherit; font-size: 13px=
;"><span style=3D"font-weight:700;font-size:15px">'My wife left me with =C2=
=A327,000 worth of debt. Thanks to Martin's advice, I'm now debt free.'</sp=
an></a> <span style=3D"color:rgb(198, 32, 53)">Success of the week.</span><=
em class=3D"text--teal">&nbsp;</em>An inspirational story from Dave, who em=
ailed after watching Martin's show and reading our <a href=3D"https://click=
s.moneysavingexpert.com/f/a/Nl3xS7y5W8gGuYuDMDSV7Q~~/AAAHahA~/i0eAXCM18azCa=
eOE1zZku-E4XJ3c9I0T-UP-c_sqqmpmqBQaALOlD2MBwiTY2kWktTjdfTn0QpirRUNp45pRLwr1=
76wPO97UbBdVeq_noeC0RwcSeDZDHgkp93-z6jqMMD6_QahJAgNMtbHBkO-UIuPhvtOwQ2yH-Vu=
5kUt1rBq3X1AIpLNvl5Z75rVNZ95r0tqCqfvgkiPLaA0IHVUU96VERrmk24u9Aq53Yw-HBlEevo=
Vdkk2GxCJeYxAkXO5kpmeD1A_gjWLCp3NOZilxjRW0cKU7ROrSGxJQwyZqKvj2wO2rQDILqxHV8=
f9mK8YT1HTRRpMwm4ygHefCLLn3_Kv-OiPuPRQr4tk9G0fcxeGfnnhVUbjsAB-cWpICHoS430FH=
ecBol6P9o-CQF6jbDpyPb64_Va6z1Oaj9z0GWmX4T3R5rkza9tY82qnDP6wZ" data-eligibil=
itytype=3D"" data-eligibilityurl=3D"" style=3D"color: #0047D9; text-decorat=
ion: none; line-height: inherit; font-size: 13px;">Debt help guide</a>:<em =
class=3D"text--teal">&nbsp;</em><span style=3D"color:rgb(145, 28, 87)">"I w=
ould just like to say a big thank you to Martin for advice he gave on a pro=
gramme six years ago about debt. My wife left me in 2020 with =C2=A327,000 =
worth of debt and a mortgage deficit of =C2=A322,000. I didn't know where t=
o turn. Martin mentioned StepChange and everything he said about it was tru=
e -=0AI had my best night of sleep for a long time. Due to his advice, I en=
gaged with StepChange and after six years I am now DEBT FREE.&nbsp;</span><=
span style=3D"background-color:rgba(0, 0, 0, 0);color:rgb(145, 28, 87)">Onc=
e again, Martin, thank you."&nbsp;</span><span style=3D"color:inherit;backg=
round-color:rgba(0, 0, 0, 0)">If we've helped you save or reclaim (on anyth=
ing), please&nbsp;</span><a href=3D"mailto:successes@moneysavingexpert.com"=
 id=3D"isPasted" style=3D"color: #0047D9; text-decoration: none; line-heigh=
t: inherit; font-size: 13px; background-color: rgba(0, 0, 0, 0);">tell us a=
bout it</a><span style=3D"color:inherit;background-color:rgba(0, 0, 0, 0)">=
.</span></p>=0A<table class=3D"table--bordered" style=3D"padding: 0; borde=
r-spacing: 0; border: 0; mso-table-lspace: 0pt; mso-table-rspace: 0pt; Marg=
in: 0 auto; border-collapse: collapse; border-top: 1px solid #e5e5e5; width=
: 96%; margin-right: calc(3%);" width=3D"96%">=0A<thead>=0A<tr>=0A<th style=
=3D"font-weight: normal; text-align: left; vertical-align: top; line-height=
: 22px; padding: 8px; font-size: 12px; border: 1px solid #dee4ef; border-to=
p: 0; background-color: rgb(255, 255, 255);" bgcolor=3D"rgb(255, 255, 255)"=
 align=3D"left" valign=3D"top">=0A<a href=3D"https://clicks.moneysavingexpe=
rt.com/f/a/Xg0mIIkW_nfUD32bmorCPw~~/AAAHahA~/r11CVzJSZCeAbBhOaQvfagExvblEJK=
ZtjwJ0aAG12vrVsNNgjoSgseNQmRvQcs7Rx5yo9xqhat-Gpqr2vXPPPzDleKF933ztYZQBiyG4V=
vh-wULrIPGapiu_N0Xm-Yaa77E-jPrLAwbHflG87_EBmvfS9L-DBP-O_tI8PPexeua1dq-mYRz7=
MDduYNATzNhnWAMN2VO5BfA4bh1V1ScDRVsy8BpPW5dxymMn9t_jLI2tzlZ_AdBAUldg8oELZkT=
ig0VU8xIbVIQyONGDdR_Gp7D82wcaAOZbvLuVKqTnJAVk7hz92ZNjMYiFCK2bxhyc2iiBWVvryf=
WuQGXCBBycbghQLdnPlqrIiNql0DFxRSeF7lNYzSESR2hDF3X80Kg6-MBwSwSIBj0m2Kq0snfi2=
S4phLbdxT3SoFE-S55NfJyb-0bwi_D4cRuZY7r7W8gKea8ZyKXe3DJmbbQi4AH2yxGTvf5kNc9n=
CIDcCwTvnE0~" target=3D"_blank" rel=3D"noopener noreferrer" data-tip=3D"mse=
tip~oneliners-one~25" style=3D"color: #0047D9; text-decoration: none; font-=
size: inherit; line-height: inherit;"><img src=3D"https://images7.moneysavi=
ngexpert.com/x1xkqhj4w3lh/3Uq5JEvqb034inSIkZsjKe/89ab3cc456ed2762d1e29dcaea=
3a2800/Martin_Lewis_Podcast_image_for_Tip3__1_.png=3Ffm=3Dpng&amp;fl=3Dpng8=
&amp;w=3D208" class=3D"fr-fic fr-dib" align=3D"right" alt=3D"An image of th=
e logo of The Martin Lewis Podcast. The link takes you through to an MSE pa=
ge listing all Martin's pods." width=3D"85" height=3D"85" style=3D"outline:=
 none; text-decoration: none; -ms-interpolation-mode: bicubic; border: none=
; width: 85px; float: right; height: 85px; padding: 5px;"></a><a href=3D"ht=
tps://clicks.moneysavingexpert.com/f/a/yXfZAVsGLNLfJ8TN1oHs-w~~/AAAHahA~/r1=
1CVzJSZCeAbBhOaQvfagExvblEJKZtjwJ0aAG12vrVsNNgjoSgseNQmRvQcs7Rx5yo9xqhat-Gp=
qr2vXPPPzDleKF933ztYZQBiyG4Vvio4X545J9wSF0x3B9k6nlWOJEsvlwOhA7eOe1ZSKaU-Npx=
A1S1Agp2kE37N9_7NpQeiZ0RIdqmRXqG8h5RdZ9FpxMuo_BXCFMObLFwIH7K4rBRlM06eENMBEW=
w3Mtz6FDsFh19fskmIEd9a0r9WecG1K9O7M-Eorih_9Z1aM-mp_1LeaPFdMiGgjdfU9TcESdBcz=
7_bkr7t7yokMBBh3g6qAf-kni9zTFMpIdAKpHOXdOeRA5bV6N6cC4q_GGutk9w3qrkGw0ztax2l=
Tvr_dFc_hvvOqCN4bPmWSA3MO47pQKl8FqktE5EIQW6EIvqFFrWy22DFweoXsG0r-snrkeGRYm6=
7Gn39DWNQVcSxWBqq-i6W-Xq5LnBuTB9RWJTx9w~" name=3D"pod1" data-tip=3D"msetip~=
oneliners-one~32" id=3D"pod1" style=3D"color: #0047D9; text-decoration: non=
e; line-height: inherit; font-size: 12px;"><span style=3D"font-weight:700;f=
ont-size:15px">Can AI improve your finances=3F</span></a><a href=3D"https:/=
/clicks.moneysavingexpert.com/f/a/OzqHwlDA0DmhSgT4WzA-Sw~~/AAAHahA~/r11CVzJ=
SZCeAbBhOaQvfagExvblEJKZtjwJ0aAG12vrVsNNgjoSgseNQmRvQcs7Rx5yo9xqhat-Gpqr2vX=
PPPzDleKF933ztYZQBiyG4Vvj_l9OPyvDlOmrdvXaYcPt__xAW4OYDH9v_gjHsOJE2O8V5aU8r9=
t7vNr2XmLABOHjZYV0gjkVk9nbTVOHoSCM4WywUsf4IPi40GGdneXpThFlmO6ysFYsLbjspCJYR=
JdaHEYahCjcJY3nIlshUiQ1EREwT8wCsj9xGdouFzQJJilSVVKraf4lv0en_RJyXCFrghk8HkD5=
8IGPDPZTLlSVfCHLJKIPWkKlq6Q4-LNlyOh2bnZSdyPIjcW20vIHsgC0IWD0iqN8DQUUeyJYCOC=
nraaZ_pi9tbSmu1St3x5cHr65h79MprwJws4IPyoXJP0urJ0kc4tXKcTUWuPmE19xlO84bVwcBF=
VBu65ARdgW-QCghdly_9oG8C3UWKge7ZNU~" name=3D"pod1" data-tip=3D"msetip~oneli=
ners-one~32" id=3D"pod1" style=3D"color: #0047D9; text-decoration: none; li=
ne-height: inherit; font-size: 12px;"><span style=3D"font-size:13px"><stron=
g>&nbsp;</strong></span></a><span style=3D"font-size:13px"><strong>Could cl=
earing our mortgage hurt our credit score=3F How old paperwork boosted my p=
ension!</strong> Martin answers these questions and more from listeners in =
this week's <a href=3D"https://clicks.moneysavingexpert.com/f/a/sTx3NTnqH1d=
f2BHa_TPpJA~~/AAAHahA~/r11CVzJSZCeAbBhOaQvfagExvblEJKZtjwJ0aAG12vrVsNNgjoSg=
seNQmRvQcs7Rx5yo9xqhat-Gpqr2vXPPPzDleKF933ztYZQBiyG4VvjEmVbcIGzz8T6EcOJF9ub=
LfCxKr6adH-aOM2TWKjF0gyIVJzzoRhWXTv4wuK89e8aYg5AMRvGG7BHvLJPeMpflCD2tSvKu1q=
I2oSB7ck3YfYdRg0Su8H6nGnsRi74qTRT0EELdjA21wpe2BjEiJ-nTJf_7CpeW4nmKASXrHgw06=
9SLfaA-jwky8c3m0-3k7Oehx_VbeMa9VT-EnMn7LE_4i6Y3OJJ-3atOJ1H1EX_91to_1T4XCvME=
If5QzTOf8gTtDp_qVsgqHFXbquC_cvac5YVYVsgViOVPVDRsdS0FGIGV3Xg3ociz12PjhVh3wEB=
U9kaQPG-WFzBbypS4XpZm0B0qVK67i86jlflvvsbI2x-udKb_pLr1tYw_UyIqAkY~" style=3D=
"color: #0047D9; text-decoration: none; font-size: inherit; line-height: in=
herit;">Martin's Question Time</a> podcast. Do give it a listen via <a href=
=3D"https://clicks.moneysavingexpert.com/f/a/sgSrPDp5h3Hf5Gf3a97ZbA~~/AAAHa=
hA~/qMJMHE_5Kl8U7T2b627-sNMJQ6Hljq5FvHvvzqtqwGgmpb8G3roO-oDxWTgT98fMZhF6v-H=
TPgVC_9N3ZmKySSP0kZoqHDARLFlHC0tK23ZiU376tKS1mdPNKfgqlX9fYYL52k58hCOkAq9VT2=
fe5HwGn2FhA6kRQ7P_-RJIjQE~" target=3D"_blank" rel=3D"noopener noreferrer" s=
tyle=3D"color: #0047D9; text-decoration: none; font-size: inherit; line-hei=
ght: inherit;">BBC Sounds</a> | <a href=3D"https://clicks.moneysavingexpert=
.com/f/a/ek0UpjpAixRr1z-lWmcxuQ~~/AAAHahA~/x3CLEsghWhAAZc0PITjvmSC274Kg5y6=
-7nSK8pUoAoy4G8ORKgo0KBpFFeNygeCbtjyUpe8oUI7xcePYIc_J0d3YvHHbkXUCEomlMHCZ9I=
rpJvMuzJNppicb6_IC7KlvlmfOj4EzbJb_Of01XPWp98RwphmX3S7y-RcR_FoABBnojZRdRRMNb=
cjm-5o5aFpzQbAePyLo8PXmsTmNOneW71qmJaECkiho46aMtEg8rZjh0yssW4ocxCojfpkyn22e=
gu_TwM0eO1w3uOMgiX-INg~~" target=3D"_blank" rel=3D"noopener noreferrer" sty=
le=3D"color: #0047D9; text-decoration: none; font-size: inherit; line-heigh=
t: inherit;">Apple</a> | <a href=3D"https://clicks.moneysavingexpert.com/f/=
a/O4ANw3_ftb4ADHd_jrSiVw~~/AAAHahA~/-OnAHTWSf8B0z02wiV_yBT5Pj3sSPcmaJwsBjS5=
8lvGhK-uOFIGTyPj2s2s6kymUpi-zxwqSbb9DYOcMmbFFp_YnNAtwZLIJi4T2cADrp7Kt77nCzc=
4Gcip2DVmlhmx08kHOn6cwaZtMvzP5Xz0FadNwRW7K1PSrhXwxIybQUlw~" target=3D"_blan=
k" rel=3D"noopener noreferrer" style=3D"color: #0047D9; text-decoration: no=
ne; font-size: inherit; line-height: inherit;">Spotify</a> etc.</span><br>=
=0A<br>=0A<a href=3D"https://clicks.moneysavingexpert.com/f/a/I6vwawGjJMqlN=
4hE03tyfQ~~/AAAHahA~/e1iknU4_Ly4OF7L3m1JDS-KdsFR-hYzLMZ0OACNCYPye5yJMot1rCR=
1LM0IhY3Pu7wY8jfQtRbGBP-RXMANQbldQG7OfF9H40tOFWSaCVrDkbbSRxDqoYMkgcsTOIqiQv=
qTzSH1BXQJDekgwGi4669eWMLftgD1o3Tz5ys3LkJJMFJRPOXXsJmZ5ofzYswNSNpiI1RQFpip1=
jFW1xk_Wi6nUljrDMGzqRDDzLC3GEVyNasQAOZdM89YA-ssqmflxnSsxams36OCvkxULkiBp-L7=
jFfDlYlozz-eHmPpfdoFs6Y_KpNQJQfpWfL-E_Dy6hvlSiqRVr4S7ttLuACnHhJxYjpcI-6kHd-=
xQJo-m_FEv2AAWkF6aBT3T3MjNmvCshL8mg-Hko0Y60H7vQBea4ntqzL9ZvDJxC-snb5gSMFWDA=
wqTEj6G6bLwfrtpAEDKsTNYjEZqGQJJ-_8cUXI1KRGFE5jC5a98UeAGpJ6ELHLqZxlGR9LgmLIn=
d12Bade7" name=3D"pod2" id=3D"pod2" style=3D"color: #0047D9; text-decoratio=
n: none; font-size: inherit; line-height: inherit;"><strong><span style=3D"=
font-size:15px">What is it you just don't get about money=3F&nbsp;</span></=
strong></a><span style=3D"font-size:13px"><strong>Beginner's guide to pensi=
ons, energy, credit cards, return rights and far more.&nbsp;</strong>Part t=
wo of Martin's 'I don't get money' series. Do listen to <a href=3D"https://=
clicks.moneysavingexpert.com/f/a/ykTVliPqnNQx-fUMvmv3zw~~/AAAHahA~/e1iknU4_=
Ly4OF7L3m1JDS-KdsFR-hYzLMZ0OACNCYPye5yJMot1rCR1LM0IhY3Pu7wY8jfQtRbGBP-RXMAN=
QbldQG7OfF9H40tOFWSaCVrDxtA3m4__bgjH8Z4Zc8EJRvrY2eyLqzUeUIre21cZavv7gB9h1jS=
p0a-QnF39F-A2Yzn94xrMvbPP1pcw0vYyLJmDYGT6HFmq_eZ3yiMC2LWHJAwgE93QpPB57aqMZX=
Ev8LtMYeE3kU_8ILdMTGWQ7WKbXQj4acvDo3dzNOgeXmxgUlgGtmSr27nCyCV_zmaBzgjnsPkXq=
E402NZFBxEREFBrvLxGpXdwKYAQlTZy7oeqOWDIRIGy6c-94Es45pHBpjheStijoCZwTQSVFHWm=
cIfHJKKYge9fOsxHwQzrUjuBvNIVHQphkMf9iYiibvlPobOo6Ph-6VhWYl6ZlGj9SGb9u0JptPA=
7SydNlzR0VeQO_Y2DzVUq2xL-maxLxLQmojLIuMfI-lVIGv3AD6twU" style=3D"color: #00=
47D9; text-decoration: none; font-size: inherit; line-height: inherit;">Mar=
tin's new Big Topics pod</a>. Listen via <a href=3D"https://clicks.moneysav=
ingexpert.com/f/a/Sc_QpejS-cd5s1o7lamy-g~~/AAAHahA~/qMJMHE_5Kl8U7T2b627-sNM=
JQ6Hljq5FvHvvzqtqwGhtxDwymLeM_G6iap03Lr9HERqBFmC3NqGCtzwLJ7Jyic-W5Xrbivwgp0=
H_6rSuZDLOjCQ7CZ9i17S2mhrXGvQwPxZgr_v4I3dc9AjkB_JQEfL6vKifw-kaP57xs7UujZ0~"=
 target=3D"_blank" rel=3D"noopener noreferrer" style=3D"color: #0047D9; tex=
t-decoration: none; font-size: inherit; line-height: inherit;">BBC Sounds</=
a> | <a href=3D"https://clicks.moneysavingexpert.com/f/a/8CA9hPEDUWLhreJL2X=
TcuQ~~/AAAHahA~/PKPsRzGFUBGLdv4rPnERcWY8xZxC0LyjmxXz2U5kXry-f2pFSanuC3au972=
rtJyUoXB2nLHG84dQPMyaz0ekvu7Fuxjm_lv1DHrzCEGkzD1erk2rSJutI8q0XAwq8LimNsDeSO=
Utt4mafltqxBGV0L-0Uth8b8WYs46G3AmReyL_dEaiY1gAPKHder3hK3IRLv4bm_nBIYXguvEQY=
kmEDcvro5dHUr_-dsmy15qB2zqRT13gzVBeAnw8C8VLN7hR" target=3D"_blank" rel=3D"n=
oopener noreferrer" style=3D"color: #0047D9; text-decoration: none; font-si=
ze: inherit; line-height: inherit;">Apple</a> | <a href=3D"https://clicks.m=
oneysavingexpert.com/f/a/ln_pZI4V0p5JeH89E_wIZw~~/AAAHahA~/-OnAHTWSf8B0z02w=
iV_yBT5Pj3sSPcmaJwsBjS58lvHuUK2s1MEWcObcTxxoG0RlM6VReLLx1YS08W1-JpzS9hn9xPr=
gpk6-dUkG7WL8baULusRkEoN6t7rArJbwlXQGdsH88vdnf-hVhMWsT-ZzQw-Xzwoo1gpyOirAO5=
LCc5Q~" target=3D"_blank" rel=3D"noopener noreferrer" style=3D"color: #0047=
D9; text-decoration: none; font-size: inherit; line-height: inherit;">Spoti=
fy</a> etc.</span><span style=3D"font-weight:700"><span style=3D"font-size:=
15px"><br></span></span>=0A</th>=0A</tr>=0A</thead>=0A</table>=0A<p style=
=3D"margin: 0 0 15px 0; font-size: 13px; line-height: 22px;"><br></p>=0A</d=
iv>=0A</div>=0A</td>=0A</tr>=0A</tbody>=0A</table>=0A<div class=3D"empty-ga=
p" style=3D"height: 10px;">&nbsp;</div>=0A</div>=0A<div class=3D"full-width=
 grey-bg" style=3D"width: 100%; min-width: 100%; padding: 0; margin: 0; bac=
kground-color: #dee4f0;">=0A<div class=3D"empty-gap" style=3D"height: 10px;=
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g=3D"0" cellpadding=3D"0" role=3D"presentation" style=3D"Margin: 0; border-=
spacing: 0; border: 0; border-collapse: separate; mso-table-lspace: 0pt; ms=
o-table-rspace: 0pt; width: 100%; max-width: 760px; margin: 0 auto; color: =
#000; background-color: #dee4f0; padding: 0px;" width=3D"100%" bgcolor=3D"#=
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eight: normal; text-align: left; vertical-align: top; width: 50%;" width=3D=
"50%" align=3D"left" valign=3D"top">=0A<table class=3D"table--body-bg nt-bl=
aggedformse" cellspacing=3D"17" cellpadding=3D"0" role=3D"presentation" sty=
le=3D"border-spacing: 0; border-collapse: separate; mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; Margin: 0 auto; width: 100%; padding: 17px 13px 0; b=
ackground-color: #f0f5fb; border: 1px solid #fff;" width=3D"100%" bgcolor=
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cal-align: top;" width=3D"50%" valign=3D"top">=0A<div id=3D"mseblagged" cla=
ss=3D"text--small" style=3D"font-size: 12px; line-height: 20px;">=0A<p clas=
s=3D"text--normal" style=3D"margin: 0 0 15px 0; color: #000000; font-size: =
12px; line-height: 20px;"><strong>BLAGGED FOR MSE</strong></p>=0A<div style=
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f6CTXcBOZSv7igRpxyl33Fz98IRrSZ3S-9JXsjdPhK2ELxjz4lDkK4cHT4XLhwVmSFjZYD5uC0I=
WYUsRPGfd9h3giWmtK-xyxJN3hb40QHRXGhDzY78n9OUqRbZUt0r8cR81Lq5FPPMlg0FBW602SE=
QGfZofpu6fp4H9rPgppvTvHyEk_-7jfxJ2ZEzC3fU57h6yFxg3gCdwg-BS2EaaKed-e_9eUrAYD=
WUlpe_Z0bX07WA9Z4Sxyt-0mTZDgwL5nUHqmrIncRnezXFTrTFjbSQBxkFVKHV4Y_O87EVsD44C=
nzZH70lYPsERYPf5MdW9E9GrtyTHMAiqi1eFch04UDg7oCyXnCCSZq4VlL33qJq9pVwUd-NUEj8=
fcFq0QkeQLg~~" style=3D"color: #0047D9; text-decoration: none; font-size: i=
nherit; line-height: inherit;">=C2=A390 K=C3=A4rcher window vac for =C2=A34=
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2L2ySGBrLS4sGuELfTKXLtWBcdfchaRgszvAkktw7SwfIg8DU2lQhbYvomWXOp2F8ooAO8us6Zm=
5HVJrja4r0lUeyFiP5wXjIrLMPtG8XunXdRLRkHkSOj8_eVtXW0n5h-zAiwyfRC6pmbj17lpTQS=
-DxnDzJilHazAQ7DcUf9y0F_9deiCfwxiGh6SKVigpxzpOP1NNxFcdlZMXoOhVtInTyb9_8yPhy=
Yw7x-mVfHiYiX5bn5P093_iTm6hvRx_4P2dJtXuzAKQGVNUshAIB1a78lTylF3_DUqJGohnwYgX=
gjJbbThWwrG8F8dXTDe9RwJaK7KpqOeJTBczRyzzgysAaR6Z49tpbC6oZ7OQvB74uJMv23L1liN=
WiycY_RiRYd9SIyPQ6WJlFSpiVG4CnyRMZdogFfBGA3j7fsESWHNXon4za2Lgyp68f52HoKdCPD=
7XhLhzXsOA~~" style=3D"color: #0047D9; text-decoration: none; font-size: in=
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Vq5-t29RGV0WaVte8a-fcRZQwR8bvfDMurJNBsURJCeiNvzjiFAEHqDw9q6tg1nCe_mNGhP8X00=
0Lrh0BJ1SpwXsD8BqU6_pKchIkw-Ptrj8FhahAUcQbdUyoaTuKfDohpeT76VNdJz0cnrq5Gfthj=
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YI_s5pRReQdcTZKc-Dw7h24tFeFG9Tf6BpMNGlFOvat6dNeBTWnCESSLfvxCXmizE_7zFoVshzE=
8KHw35GALe-Bb_jYEogUQJaWsIbjED8bLo-5SE4SGZwDjB-Ih3H156rAR8qwyNKh9skJVwMPg~~=
" data-eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"color: #0047D=
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tr>=0A</tbody>=0A</table>=0A</th>=0A<th class=3D"mobile-full-width" style=
=3D"font-weight: normal; text-align: left; vertical-align: top; width: 50%;=
" width=3D"50%" align=3D"left" valign=3D"top">=0A<table class=3D"table--bod=
y-bg nt-didyoumiss" 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%; padding: 17px 13=
px 0; background-color: #f0f5fb; border: 1px solid #fff;" 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"didyoumiss=
" class=3D"text--small" style=3D"font-size: 12px; line-height: 20px;">=0A<p=
 class=3D"text--normal" style=3D"margin: 0 0 15px 0; color: #000000; font-s=
ize: 12px; line-height: 20px;"><strong>DID YOU MISS=3F</strong></p>=0A<div =
style=3D"font-size:13px">=0A<p style=3D"margin: 0 0 15px 0; font-size: 12px=
; line-height: 20px;"><span style=3D"font-size:12px">- <a href=3D"https://c=
licks.moneysavingexpert.com/f/a/RAr7cyq6hvd0G7iFbcJt1w~~/AAAHahA~/tCKbWeklw=
YN48Jjm1yl461W5lmnESTjiLX_fAM8nAK4eYMChOmyfSX6UPZ8Hv3K_xfnbcRzR7UDsEKXnOUuA=
G__f0iTXJW7RfnQ8eH1aXLwq5NqOa74p8vnGJRUddekA26UhMHk8eC6TiJGDaI81_xLSw-s3avv=
pGdZtO7ju2mA8fRMmjqv8zzj35tSrGm9RrHk1RmgvbMRQ6SnQ2bOOGrmsC2V72jlFR0JjZ3BoYP=
WvXgG0L09xD9A6fzmZc9W639F1zXKi4lf1xubxBjh2_NcP8BrKgyBasm8fSxZEOuOHxV9ehgL0I=
9ZRlVqVckM2TtJi6x4rT-OCGaMYYn3OMT084tsjksB9Q9wyLR7jZbJUINU-0vQhpqKstCKDwLJg=
PIkYiCy_SSLypOPviA53dCSsikx9FAS5q5yNrOzWDmc8K-QVYzF2qGT3NUjmyehAY9vk76OvIzz=
6j_nvwTmPIA~~" name=3D"scamwarning" id=3D"isPasted" data-tip=3D"msetip~onel=
iners-one~5" style=3D"color: #0047D9; text-decoration: none; font-size: inh=
erit; line-height: inherit;">Martin: "I nearly got scammed - it can happen =
to anyone"</a><br>=0A- <a href=3D"https://clicks.moneysavingexpert.com/f/a/=
VRrLO_8ocNqhpDuC9jzsxA~~/AAAHahA~/i-IfHxZuay3KnYuadz9VjWVq5-t29RGV0WaVte8a-=
fcRZQwR8bvfDMurJNBsURJCfRw7p2y-pNhZOJR8AOHBrFuT0PfCl4boSXVGxa-W6G7Ec6JbzgZI=
8Fk-AUfZVqVoBawWEfbakgERtJZYNNRoLcys1YdpEqAAfRkUMQQ4SqYJ83n-WBNyGqujbJ8_7Ix=
I-rHibeYaWXAuOhzkOv5QhL6neVUkaM4T9N5NDU4OS1QXv5yH5t-rxD_7cZDB03Nj2746NBZ79-=
pPf9tNJRTwwFSU-VNzcyS-3MMzCexvtErESTX32ntclqZyThD7YLDZ2cPJ_-KbzAHnGshPbsNLt=
eHSDvW3RAS5LZqLqpjMfwqBBSwLxZnaW3oE0ldjrpo51hUxvBwXtQG5cKUhLbU1jTBanXjJ3DH5=
XU6UtDmX0Z1WPxg5zc2XtBkAIdfnMK5wmJrujQNVT8MMcn0JZ7qaYw~~" name=3D"railcard"=
 id=3D"isPasted" data-tip=3D"msetip~oneliners-one~7" style=3D"color: #0047D=
9; text-decoration: none; font-size: inherit; line-height: inherit;">23% of=
f one-year &amp; three-year digital railcards</a><br>=0A- <a href=3D"https:=
//clicks.moneysavingexpert.com/f/a/dOEUAPiZsg034shmzf-kvg~~/AAAHahA~/6SO628=
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SlkF_lhcYWJy_00XILrmwGxBKBvT7vEbaOUuIX6K3cs1BLvEpqONMJVv20F-k49DPCJXZFpP10Z=
0T-n_pSSZi6s7UsqFBppkUoSNanFMMBtaeQM2VE8iaPwW7rwK0cXl8bFnuyvTM0BBnHufMDGJKX=
Lg4OGYqOUj-glHt-o7wyqflzwH7tE_SlltJohpC8EnmM69Pc2_kE3BVEJc5sadCAQrmMn31ivzb=
HhK5p_bNHhXmyBnsQn0QjnYXJGXMn1w-fETYO57BA63BmTNxupFxsEVJ4OFYFUYpNR5eQyzvdwE=
NbuvREDxSV95FPjC6_b6vfWe9GG0AvPh2BSxj55RjEK7x6Po2BcpMiElQttIQkNvsMuaEuQDKDa=
F5zeniSvJ1_8qQ~~" name=3D"counciltax" id=3D"isPasted" data-tip=3D"msetip~on=
eliners-one~19" style=3D"color: #0047D9; text-decoration: none; font-size: =
inherit; line-height: inherit;">"Your Council Tax advice saved me =C2=A37,6=
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tw7SwfIg8DU2lQhbS66Uig4YowQJ9iW0GeX6w-dyu0SG-OOge5Oks0_8qG0H69_uqZuP2stkTrf=
iiGN_Gu42uhJPf3jN8-Yf7FoyK-6kJlaCbxt8MgfCXoTf7Un4TEzrOcUMiqHpRcIWHw8fMuMnYZ=
uwTTIFu12iDso-fHxr-YzYLygZ_N2hhFjv2rmO5Vo34RD8blfJkRxCbjWk_uZ-JFMcCw3S682AB=
Yk9R3osVL7Ha71lRktWIkt-Di_5GBiKAc1mAF5z-3RSNSgExSqnRvfXWRIHRqo_N9pSSaqkKCYe=
p1yOttgagAolSxVeTf3uM2Dga_4u2mGC5zN_qnHHfRgikRh_NYo49U6rViHdmHksys1FRmOxnpv=
UGWuAyTv52PF3DLVeDgqV2eJumqOM_UZjz02YWDa2NcfnsA~~" name=3D"tails" id=3D"isP=
asted" data-tip=3D"msetip~oneliners-one~9" style=3D"color: #0047D9; text-de=
coration: none; font-size: inherit; line-height: inherit;">It's barking... =
90% off code for a month's 'tailored' dog food</a><br>=0A-</span> <a href=
=3D"https://clicks.moneysavingexpert.com/f/a/gpkPccV4aSE1bftwb5hnSw~~/AAAHa=
hA~/qMJMHE_5Kl8U7T2b627-sMTAt6C1wLnPW3sfT0pCjDUifS02YASWDU8ePLWR9kfP3jUgSJ3=
TidGU6qhTWUZtWCmDmh0hb0UkWutzt6HRO0rQpiUMVC2fBTksobdGc4x6Fu7QD85gpkRVeqm3dG=
Cua2fEngo98HDTLKrB3n30ZE0~" target=3D"_blank" rel=3D"noopener noreferrer" d=
ata-tip=3D"msetip~oneliners-one~16" id=3D"isPasted" style=3D"color: #0047D9=
; text-decoration: none; font-size: inherit; line-height: inherit;"><span s=
tyle=3D"font-size:12px">Got a student loan=3F The FOUR ways it can be wiped=
</span></a></p>=0A</div>=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"heig=
ht: 10px;">&nbsp;</div>=0A</div>=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%; padding: 0; margin: 0;">=0A<table class=3D"container table--w=
hite nt-bignote" cellspacing=3D"17" cellpadding=3D"0" role=3D"presentation"=
 style=3D"Margin: 0; border-spacing: 0; border-collapse: separate; mso-tabl=
e-lspace: 0pt; mso-table-rspace: 0pt; max-width: 760px; margin: 0 auto; col=
or: #000; width: 100%; padding: 17px 13px 0; background-color: #fff; border=
: 1px solid #dee4ef;" 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"bignote2">=0A<div style=3D"font-size:13=
px">=0A<p class=3D"section__title text--center" id=3D"isPasted" style=3D"ma=
rgin: 0 0 15px 0; text-align: center; font-family: museo_slab700,Helvetica,=
Arial,sans-serif; margin-top: 0; margin-bottom: 8px; font-size: 24px; color=
: #273157; line-height: 30px; font-weight: bold;"><span style=3D"font-size:=
20px"><a href=3D"https://clicks.moneysavingexpert.com/f/a/CAR2DMJsilih19vkr=
ViswQ~~/AAAHahA~/N_3XoltK_gws0XKSbngcSz2Ki_DsUzOfmrapzRGM1MpkmK2_p7ypgDRDpX=
OSZSdNKHEQTENLrFA-GBizRgZzfKUm39ht23qRgLKSg7BQlhN95BkkiFQpHbdGCO2qJVS1Z2xOz=
LnWYsQpcBsHEvAgw36T_Eg10WXmGlSTtCVCauUlp25ITKeDx-zKG7_LkPGA0LP6DbX1dim8gzn5=
IJiyqtPOrDiU69CV097mzib3Hb-Wn2SPd-r2oxuXeepaKxh4rfmep3aKVQn0-GNnPlUtlXIgqsx=
W3JavxWW26OEZ2akzFCBo-HBT1XHU39fO4gQibOBKZaN4e-Sy_VcQldA0-FEvNDsL3eWajZ4rhH=
FlZm3Si0bunIzdWLCbASjdIUAaudIbToNjVhPFW9FMmK9vqCYAvw43dNeqg2F_w_NOTXc~" nam=
e=3D"homeins" id=3D"homeins" target=3D"_blank" rel=3D"noopener noreferrer" =
style=3D"font-size: inherit; line-height: inherit; color: #0047D9; text-dec=
oration: none;"><span style=3D"color:rgb(39, 49, 87)">Home insurance alert<=
/span></a></span><br>=0A<a href=3D"https://clicks.moneysavingexpert.com/f/a=
/IAwrUEbaiIAEgXzmpcs_dw~~/AAAHahA~/N_3XoltK_gws0XKSbngcSz2Ki_DsUzOfmrapzRGM=
1MpkmK2_p7ypgDRDpXOSZSdNWb0pipcn2TjojLQ0ejjlkw88qvETDJE0Tt6XkSd70p26uuG4Zks=
ZynD4sCeWZbrDYCew5ljr3KdjfmtwA9WhESNiW7IjTzE1A2zeJ-Vg9wZ6N2LV9rRyQAwlyFed9M=
9W4FOSCUhBoLmqEQceDv4c_fq-nD90EYlPPZMn16sy4FpUVxLvZJOR6wMYPOg0u3QYoc3J1qBlQ=
9yKawSpLor7kAnYWGg83rnAfZbxlmPGKQvxHQKepikn4_2sD1DkUDIgDexHM6dpefb4l87FG7YD=
EFZ_PNsuiLO1qr6nYPG0PRMpBFzdlPhnEABLnGbkRsOSEruCfl9S9ROHj5_TW_BwrMK57YlU3RG=
76mNOMX7E2n0~" target=3D"_blank" rel=3D"noopener noreferrer" style=3D"line-=
height: inherit; color: #0047D9; font-size: 24px; background-color: rgba(0,=
 0, 0, 0); text-decoration: none;">If your renewal isn't CHEAPER than last =
year, you're likely being overcharged! Check with our Home Insurance Compar=
e+ tool</a><span style=3D"font-size:18px"><br></span><span style=3D"font-si=
ze:18px"><a href=3D"https://clicks.moneysavingexpert.com/f/a/J114bSMn9so3z2=
NC9V5uzg~~/AAAHahA~/N_3XoltK_gws0XKSbngcSz2Ki_DsUzOfmrapzRGM1MpkmK2_p7ypgDR=
DpXOSZSdNLBN9i5ieBmVo4EytnI9he9fXUnALYF83AP2xG7ECTDsCBypMTja_8uGtLoOnCGkyJa=
ZqGv0snhh8lgmrVFtDa4PingVoiV3oSgzDJm3p_gLU1yliwHJDREPFTq10Q9EG-0Vd64j1jmppF=
fgr27oxMhN6suERhxwvSRgwYDeptyjARJHSiRE9nrKvqjy5Pf8VS72qi1FY3j2Y4l045McYq0qO=
a1VgE_pPHpp5VV-NAyZFSw8HYx5au2rL08R72ysR5WJ0BfyPlYZ1QPCR6XSDheYjkFFmtxgn8Db=
LcwhKuHgaTBA6AqvLF0l46B_m1hcFYQ0J-kVYi3oFgNdIkMb89RJoLxueiiYdx3fIFhwDfbg~" =
data-eligibilitytype=3D"" data-eligibilityurl=3D"" target=3D"_blank" rel=3D=
"noopener noreferrer" style=3D"font-size: inherit; line-height: inherit; co=
lor: #0047D9; text-decoration: none;"><span style=3D"color:rgb(39, 49, 87)"=
>As Henry did:</span>&nbsp;</a></span><span style=3D"color:rgb(145, 28, 87)=
;font-size:18px"><a href=3D"https://clicks.moneysavingexpert.com/f/a/oFGLCa=
fH6vjD41kd3zADag~~/AAAHahA~/N_3XoltK_gws0XKSbngcSz2Ki_DsUzOfmrapzRGM1MpkmK2=
_p7ypgDRDpXOSZSdNEDqtHY3s-bKoo-K1Xmi3U2YYpfQq06JdzYRQu_-Oe072Q9I4mUQ49GVVmd=
rrvriManR8GnNrSR4zmLP51of-I-I2n4nGHh-9m6Q0pPF7tJFcUFoMUOi1t9Lb99j6gylq5d-sZ=
RUHgcBYoYmx2PsapBPk6f8eZpDWzjrTTKz7VTLWyr8IXATdbEln608e4QAMBttaLM2tI2qLkaYT=
xHSrWrPYnMVt-hoRmOwZDUtwQL3DnW_g2SUfKII8fCgCtUVskGQvm-g-upQ3EPX2w_-Vgf1jjXv=
n7C-vs3Sa4d6_JX7K76FvE26nyLLIAUATq9rNmtPGYwQoA7u42LwaL4NnHcOk-C3yKK1VirYJTe=
y3C9Q~" data-eligibilitytype=3D"" data-eligibilityurl=3D"" target=3D"_blank=
" rel=3D"noopener noreferrer" style=3D"font-size: inherit; line-height: inh=
erit; color: #0047D9; text-decoration: none;">"I saved nearly =C2=A3400 usi=
ng your online tool - thank you!"</a></span></p>=0A<div class=3D"ms-List-ce=
ll" data-list-index=3D"78" data-automationid=3D"ListCell" id=3D"isPasted">=
=0A<div data-testid=3D"validate-measured-transcript-item-height">=0A<div id=
=3D"listItem-78" class=3D"listItemWithSpeaker-244" data-is-focusable=3D"fal=
se" dir=3D"" data-test-props-issearchenabled=3D"true" data-test-props-searc=
hresultdata=3D"true">=0A<div id=3D"rightColumn-78" class=3D"rightColumn-252=
">=0A<div data-testid=3D"entryRenderer">=0A<div class=3D"baseEntry-370" id=
=3D"entry-78">=0A<p style=3D"margin: 0 0 15px 0; font-size: 13px; line-heig=
ht: 22px;">It's not looking great for home insurance prices. The data shows=
 it's starting to get costlier each month - and though overall prices are s=
till down 7% on this time last year, according to Defaqto, just a couple of=
 months ago it was 10%. It's important to understand that when your renewal=
 comes, the same price as last year isn't a good price - you're potentially=
 paying more than you should. So it's worth five minutes of your time to se=
e if you can lock in a low price using our <a href=3D"https://clicks.moneys=
avingexpert.com/f/a/tA_MQ1unXDw7vi03uj1_MA~~/AAAHahA~/N_3XoltK_gws0XKSbngcS=
z2Ki_DsUzOfmrapzRGM1MpkmK2_p7ypgDRDpXOSZSdNBKb0W5NtybAD14wj-mY-kIhX8OGEtSXx=
JJat4ky1TX3Kcr6shI5WSPKDIxVDBixhmM-VLBYkeB2ndRmJFNqNOPF-E0BWRweU5pGcI1h6TXM=
dIRwMGPgQSgbZFhTP6UV0f935yzdhUH1uGaQs2nq3AORhb9GPrwYLrD5-v_LdDxJY56rYfBCae2=
lzDAAJdOh-zrEpVkJwKUH6CJxdvjVcVzUOOi791sYpswsTbrIooi_F19wWM6uqxPkMXuSk1xfGA=
F_J47DrySGp4-IawJk8Fr6tfEY6Qm6jkhJY48NWP5DSVp3XcNC_FqjNsi58uUFEaWb0jQmPgCCl=
KWdZ2fhGWSYd8IX8s_xK1jmz4fjJ_Qk~" data-eligibilitytype=3D"" data-eligibilit=
yurl=3D"" style=3D"color: #0047D9; text-decoration: none; font-size: inheri=
t; line-height: inherit;"><strong><u>Compare+ Home Insurance</u></strong></=
a> tool. This also applies even if you're not at renewal.</p>=0A<p style=3D=
"margin: 0 0 15px 0; font-size: 13px; line-height: 22px;">As Henry emailed =
last month: <span style=3D"color:rgb(145, 28, 87)">"I have just saved nearl=
y <strong>=C2=A3400&nbsp;</strong>on my home &amp; contents insurance using=
 your online tool. Down from =C2=A3682 with the company I've been loyal to =
for far too many years, to =C2=A3287 from an alternative. Many thanks."</sp=
an></p>=0A</div>=0A</div>=0A</div>=0A</div>=0A</div>=0A</div>=0A<table clas=
s=3D"columns--one table--transparent table--bordered" style=3D"padding: 0; =
border-spacing: 0; border: 0; mso-table-lspace: 0pt; mso-table-rspace: 0pt;=
 Margin: 0 auto; width: 100%; background-color: transparent; border-collaps=
e: collapse; border-top: 1px solid #e5e5e5;" width=3D"100%" bgcolor=3D"tran=
sparent">=0A<thead>=0A<tr>=0A<th class=3D"mobile-full-width" style=3D"font-=
weight: normal; text-align: left; vertical-align: top; line-height: 22px; f=
ont-size: 12px; border-top: 0; padding: 0px; border: 0.5px solid rgb(0, 0, =
0); background-color: rgb(240, 244, 251);" bgcolor=3D"rgb(240, 244, 251)" a=
lign=3D"left" valign=3D"top">=0A<div style=3D"padding:7px;text-align:center=
"><span style=3D"font-size:13px"><strong>The situation's similar in car ins=
urance:</strong>&nbsp;<br>=0ATry the <a href=3D"https://clicks.moneysavinge=
xpert.com/f/a/qsK0JzmVg72wwDh-v3YzPw~~/AAAHahA~/N_3XoltK_gws0XKSbngcSz2Ki_D=
sUzOfmrapzRGM1MpkmK2_p7ypgDRDpXOSZSdNrkYHkuQYAlfRjUH0u07Az0C6bOPw6GbiDTu17-=
Og9VD_d77x8XFy3bglAoc_nsCnR-yXjCwkf5sBA8Rvz6_EXgNQ77YuvP68ygGIW-kVugIwuRaL7=
s8EsomTMulHOsrynRpEt3p7Q0c4XbiIEr3kilvGZiBrUPHa8SgoYFWIIX7Hkjyw0e_Q94UkQcIQ=
7Gn-40fPGjHDPpqDSWPiBrQq8EH0kQRNGfZXyxa0hpa6Hr9Wtd1Ur_VTPcxiB2auFABb1XUDMhj=
cvu6z6gC7n9_PDw4R2_TB5eqzJVNfd2sGeyPRAVS-bOqSXxqXprMf_iIkY4k87m_hS3C_y_L4IW=
7mBtbMo5eUXsSifM7s6Hm0NMo~" target=3D"_blank" rel=3D"noopener noreferrer" s=
tyle=3D"color: #0047D9; text-decoration: none; font-size: inherit; line-hei=
ght: inherit;"><strong><u>Compare+ Car Insurance</u></strong></a> tool (or =
read more on this in our<a href=3D"https://clicks.moneysavingexpert.com/f/a=
/LgqbSZsSo3NWEr7v4s3JgA~~/AAAHahA~/i-IfHxZuay3KnYuadz9VjWVq5-t29RGV0WaVte8a=
-fehdT_ZA3nwebDbUBc7B3kP7m2APdpHxdnXj7v2c2BY6992GxC5hV_sucs7SeEL9g0X5m-CxPj=
f2rZL4bdnD0d4YkNZWsAWUvBS3jOvftRQI3YXe9sXTemJlqg65AdJJpvVugWE0o0Hm3jGIlyFo3=
z_it9EvB9NDTZfTVzKArnfUraaStFCohle-pgCumVgCe6p1JVFG_3q5Xwzk82BB2KH3t6GIgxR8=
RmBDglQXxI1ZOfMfta91rHOI8XoIM-97AS6aVZmJ-NM5P7-ClOJVAmvtg9BjrzlIPC3j6u9WU7q=
1iHhIsnhZepXBlUM7SAsZ_j9OcPbTErZ1s4hY0e73FaKCgp-VJmYu89SXqxyoWySElXmXqR-u09=
ICtQ4sW-NpXtgL8tb7yqFGGpArcoV1_wwBcxvtclWZW_mW2DsAke7Dg~~" style=3D"color: =
#0047D9; text-decoration: none; font-size: inherit; line-height: inherit;">=
&nbsp;7 April newsletter</a>.)</span></div>=0A</th>=0A</tr>=0A</thead>=0A</=
table>=0A<p style=3D"margin: 0 0 15px 0; font-size: 13px; line-height: 22px=
;"><br>=0A<strong id=3D"isPasted"><span style=3D"font-size:15px">1. The eas=
y way to do all our tricks is by filling in one questionnaire...</span></st=
rong><strong>&nbsp;</strong>We know getting quotes isn't always fun (until =
you spot the savings possible), which is why we've shifted from a huge guid=
e full of tricks to cut costs and automated them into our <a href=3D"https:=
//clicks.moneysavingexpert.com/f/a/ZiadXE-hXXYd5c1aKMxQbw~~/AAAHahA~/N_3Xol=
tK_gws0XKSbngcSz2Ki_DsUzOfmrapzRGM1MpkmK2_p7ypgDRDpXOSZSdN1NvElf1t09X850o-P=
1CQBUU6fOjd9yvPhvgkNgZ6T6wfPKlcsdsUIZOfAQoZYBG6Farn3nd-nHjUGnerpPTOZHVhh3un=
Gs34rk_Px14HTcAHFp4JlG-05Ig-jMxNLYGLpHnm7i4CEe4hIk8o0bY_Thv17PegF7M_SLG6Cb1=
HazRvtleUlW3N5eXGz-IVeHaIbrrCk2h2Z86Xd-u31EHqcZqmj8MBD7rCcGxvrX-PdvLGueG-qp=
yq--9UC1QN5RnHDZVpV9pXbZBlUETLXjLv9mYD9wYgwr3ImjflAbqhtvHi8yZQT1CuVXbaiAFZ-=
btmQVTyBhbVj9jI_56yfS_9obzwCmhwAeb7X1w7LyH9Svw~" target=3D"_blank" rel=3D"n=
oopener noreferrer" style=3D"color: #0047D9; text-decoration: none; font-si=
ze: inherit; line-height: inherit;">Compare+ Home Insurance tool</a>. With =
it, you just fill in the question set (we borrow MoneySupermarket's - we're=
 part of the same group, so if you've used that before, your answers auto-f=
ill). It'll then...</p>=0A<p style=3D"margin: 0 0 15px 0; font-size: 13px; =
line-height: 22px;">- Give you a benchmark quote using the cheapest deal fr=
om MoneySupermarket's comparison.<br>=0A- Tell you which questions really a=
ffect costs with our unique Price Impact Indicators (and highlight any cost=
-cutting changes you can make).<br>=0A- Show you which other comparisons to=
 add in, and in what order.<br>=0A- Take you through whether you're getting=
 your quotes at the best time.<br>=0A- Give personalised tips - about the e=
xcess level, the best way to pay, if you should combine it with car insuran=
ce &amp; more.</p>=0A<p style=3D"margin: 0 0 15px 0; font-size: 13px; line-=
height: 22px;"><strong><span style=3D"font-size:15px"><a href=3D"https://cl=
icks.moneysavingexpert.com/f/a/FxaxTrdyRiDW3olWMe82EA~~/AAAHahA~/lX6xbdVUJq=
rKqHDwbbB5ygdz0zAOtywvZHZx8MOKXT7tdp--9WpBrlFRStpzto75dqR6WMVPtNLb0XyuM7YYZ=
PcPSSjsbFjH5PNbOCZKyVfEjvrZDliSi7LJz5E6zXj_FF7fKEW7TlyVfXaEkO-BCMsMImznUG4A=
eHPTWaa5ttCYXJegqYRXfjjHceDWR_ov-LVdyjH8PcZkbORCkqpFrmRJ2WtpCZsYCsg1XekC_fm=
vNhxJzO9-6yR1sJXnXmdQZ8K-o7DX7Mm6LTF2KidjtkuSjg9P8FQ861Ci61ho7ra4cZGNBmE2Bn=
T_9R4kn4cjsWAXRY7pRKnOF-yZxeTot9PYe8JEdvlJhaRZVds8U5CJN01F6CGUebk8WPDBTPARl=
ZSKc_Wfk4CdJcwTuvkFlOduOgDRFloqp_GhpFn0DVgqhjL_GKgX2gSsl9PcWnnbD8FoITrflWFy=
DE-dgdwBMpEBJT-PA3kLrOOf3JzlNn4~" data-eligibilitytype=3D"" data-eligibilit=
yurl=3D"" style=3D"color: #0047D9; text-decoration: none; font-size: inheri=
t; line-height: inherit;"><img src=3D"https://images7.moneysavingexpert.com=
/x1xkqhj4w3lh/49YLTz5hk1g3FPEVP3XwY6/6cbf9a5bde95e1a9cdaca41237ee22a7/House=
_and_buildings_insurance_April_2026_portrait_v2.png" class=3D"fr-fic fr-dib=
 image-responsive" align=3D"right" width=3D"225" height=3D"274" alt=3D"An i=
mage showing a home upside down with home contents falling out. The text ar=
ound the image reads &quot;If you turned your home upside down, everything =
that would stay is usually covered by buildings insurance, everything that =
would fall is usually covered by contents insurance.&quot; The image links =
to MSE's home insurance guide, specifically to a section about valuing your=
 contents. " style=3D"outline: none; text-decoration: none; -ms-interpolati=
on-mode: bicubic; border: none; width: 225px; float: right;"></a>2. Are you=
 sure you're covering the right things=3F</span></strong>Everyone - includi=
ng renters - should consider contents=0Ainsurance, but buildings insurance =
is usually only for freehold homeowners (otherwise it's typically the manag=
ement company's or landlord's responsibility - check your lease if you're n=
ot sure).</p>=0A<p style=3D"margin: 0 0 15px 0; font-size: 13px; line-heigh=
t: 22px;"><em><strong>- Contents insurance: Beware UNDERinsuring.</strong><=
/em> Many underinsure, thinking: "I'd never claim for everything"... but in=
sure only half your contents' value, then claim for, say, a TV, and you may=
 only get half the TV's worth once the insurer assesses whether the cover w=
as accurate. Use a <a href=3D"https://clicks.moneysavingexpert.com/f/a/AZo9=
N8LJiOP-lPXsU7dWZg~~/AAAHahA~/ScrTeBbO5sU6Bk0KFVV5fOwFy57eqQEQBWa410OQQyGrn=
h1HrKRIgQNGhgmdHJsdonNWGg48gyICZxNIRdDuYyOf-CkOFyWNKLpQUh32v0kK1bMaVvoKbyQh=
vwHzYLlMMfuv4yQe5XrkFgIzKDAedE2hbNb79QrxXcx-STVtTsC6UrP4Ssp137vWyFOYaUXsSbK=
w0TiFlqQrWieFop14sFfjgO_hvG3uZsTwh9d_tZlwSWXFj3rWtfDaxQLhaA8tVMMIn6nbpqTQiv=
kdi4Aa3JLDdTwjk7XRS1FuZPnQBE4ch11vZ-QQ5BgvIONd_34Uror9w8-01VUZrMB3mrUWb6c0I=
_hFTZWacMOgh9s-pA5VTScEVeOAkXuLck1Q-o937c31pYc_slDNK0fpM5RBu_abgfgIKB0xB-50=
tXJnLPdPzYTa_l2-28nMHKWv4D7fNo0FkIbqZyaEe_UVWM5vUgz-4qvY0bDyJr4c-xgjjxk~" d=
ata-tip=3D"msetip~bignote-two~5" style=3D"color: #0047D9; text-decoration: =
none; line-height: inherit; font-size: 13px;">contents calculator</a>.</p>=
=0A<p style=3D"margin: 0 0 15px 0; font-size: 13px; line-height: 22px;"><em=
><strong>- Buildings insurance: Beware OVERinsuring.</strong></em> Many wro=
ngly insure for their home's market value, but what counts is how much it'd=
 cost to rebuild if it was knocked or burnt down. Use a <a href=3D"https://=
clicks.moneysavingexpert.com/f/a/96mHclxRnzIJs00wwUAYug~~/AAAHahA~/3clDYFb5=
_nYDZeVfSlJLtCCpShBq1bVQAaGo9r8oQ_fh5r3gxraZqGNZHNmgpbX38CyVLa7GKXc2gCuvydm=
5fmLFUIXVnatzNfqPA4T2orj62ryqkisKqfW8RI7PKa-VM6ys_8lG3_VpTZRkQ1EY4yB0GyYXyQ=
E6UcEbUIakH4SwTYMcOL5g0IjEBEMqhaIfZKVAPw83gYeT1ewO2cBWPAzdw06EFV229raGOB536=
pOxvlA81aK6D8r1L2jG9Eo-fV3qzsCaCrJTPX0rAKiBO63dwmmudB6Ko3pUuVKH_inAk9vrVSO2=
Do_VAaRZ1jBwgY0w7Tjrgba1ve024PUUvE5BtbFnlEwPfXj33K3tgGsp5sfbu25ww5Sz-SKCsg8=
Od1MXZG4QrkUWd7fFE0qnbY-SClxm6amSdPPIhkRbty13IwvRbJ2xMp3VGDc61dOrl-OU5bkVET=
savWMch3s3ChuQSrVx_wwHACLl69sqtE0~" data-tip=3D"msetip~bignote-two~6" style=
=3D"color: #0047D9; text-decoration: none; line-height: inherit; font-size:=
 13px;">rebuild cost calculator</a> to find out.</p>=0A<p style=3D"margin: =
0 0 15px 0; font-size: 13px; line-height: 22px;"><strong><span style=3D"fon=
t-size:15px">3.</span></strong><span style=3D"font-size:15px">&nbsp;</span>=
<strong id=3D"isPasted"><span style=3D"font-size:15px">Not at renewal=3F It=
's still worth a check.</span></strong><strong>&nbsp;</strong>If prices do =
climb, getting a new policy now means you benefit from locking in today's l=
ower prices for a year. This is only worth doing if you haven't claimed and=
 can find a materially cheaper price than you currently pay. It's worth a f=
ew minutes on <a href=3D"https://clicks.moneysavingexpert.com/f/a/7Wcz2eiAW=
aPbFQecKj8Gvw~~/AAAHahA~/KETQcW5ubmWC9oK6aAJe11xdqsKHphMZH9Dy510DxJYUYQGjaV=
-tLnDh58fNx2qQaM8BttOIl1uiRAHKptX8EdJEj-ej2NOEJZj8t4ogCC5sxOr3zh_Jbw5AgTnFx=
BrJGaUqTFTbNaEYvXOQiNb838GpHgK09PQv1DBYY5A0qXmxfghqz4NFdxHC4i157eP9R2buEth8=
hNyVDIXqk5Fak0fA7NJL5y7GFz-4SVnDFwIX0BfzfAQ766b38__2-KddZFL0YfJ7b5VF1RXdL1P=
FVfwA2WYIKIb24FEJXVh4uZY7vx6U5h4VdxMk7B0LSJoQqmu04O6Tc7wyYPiFCjGi7yI0wXlYe4=
RevAeMJsKaDRIodqnt5-yl9OmsgtoiGVr7fZZYc4vH_7vya-e16PPx6GpLmEGjEXx5m_EoexkeO=
hA~" target=3D"_blank" rel=3D"noopener noreferrer" data-tip=3D"msetip~bigno=
te-one~7" style=3D"color: #0047D9; text-decoration: none; font-size: inheri=
t; line-height: inherit;">Compare+</a> to check. If you can save, sign up f=
or your new policy then cancel your old one. You should get a pro-rata refu=
nd for the rest of the year (bar a =C2=A350ish admin fee), but you usually =
won't earn that year's no-claims discount.</p>=0A<p style=3D"margin: 0 0 15=
px 0; font-size: 13px; line-height: 22px;"><em>Tip:</em> When checking pric=
es, set your policy date to start 15 days ahead - this is the sweet spot fo=
r the cheapest prices. And as the start date is irrelevant if you're mid-ye=
ar, you may as well make it perfect.</p>=0A<p style=3D"margin: 0 0 15px 0; =
font-size: 13px; line-height: 22px;"><span style=3D"font-weight:700;font-si=
ze:15px">4. Make sure the policy's right for you &amp; complain if you're u=
nfairly treated.</span> As with any insurance, check the policy details to =
ensure it's the cover you want, and that the insurer's regulated by the Fin=
ancial Conduct Authority before you buy. If a claim's <em>unfairly</em> rej=
ected, you've a right to take it to the free <a href=3D"https://clicks.mone=
ysavingexpert.com/f/a/wFmseW-cdnIXS-yXJeOyog~~/AAAHahA~/i0eAXCM18azCaeOE1zZ=
ku-E4XJ3c9I0T-UP-c_sqqmpbArACUekdCSg8X9jCl3jazdZiuYDS3ABG6lrBX8JDu8V56d39na=
rtUCvG6vf2LOJoIsILQ3XMqEVnodX1oi8lK-8yWnzg5gtzxlPfObmgLJ88AuXESCxRjXG85U3NO=
XFvM9YNtCCPpSDeLxAyGRk2o9hvAyksYMSSgUfzgGKfjaAlMDCU0DRrX-I-3JvQfSB4000PRnKB=
3-t7MArOBPBFhksvELZx6FTNjcPyXIViAla-43JxfBgtDP90WoUtBC6LW3oObqlIIlgpZWJPQ13=
EDDBa44J4iuQcdVSc46gFRHnbFlVn6ynwNpKpkHOtKTRkycZGgyLv_QJPQsEgTKBuAIqjmHS9VN=
Buu6MYJznOhly3HKFigUoVjHzKmN60r0LRBbbNiexpV3Y8NjeW0rcF" data-tip=3D"msetip~=
bignote-one~22" style=3D"color: #0047D9; text-decoration: none; line-height=
: inherit; font-size: 13px;">Financial Ombudsman</a>.</p>=0A</div>=0A</div>=
=0A</td>=0A</tr>=0A</tbody>=0A</table>=0A<div class=3D"empty-gap" style=3D"=
height: 10px;">&nbsp;</div>=0A<table class=3D"container table--yellow nt-on=
eliners" cellspacing=3D"17" cellpadding=3D"0" role=3D"presentation" style=
=3D"Margin: 0; border-spacing: 0; border-collapse: separate; mso-table-lspa=
ce: 0pt; mso-table-rspace: 0pt; max-width: 760px; margin: 0 auto; color: #0=
00; width: 100%; padding: 17px 13px 0; background-color: #FEFEF1; border: 1=
px solid #dee4ef;" 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<div style=3D"font-size:=
13px">=0A<p style=3D"margin: 0 0 15px 0; font-size: 13px; line-height: 22px=
;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/q3UNxEELXL8Ys-yBLc5r=
NQ~~/AAAHahA~/pniLFzc7TuRBOHuhY82EzHHLyn4y5Ftvv51kUJV2rQZWy5YiDDmOR_nE3k-si=
7SOVdhn7PHw5mhC7h3hziBUAzZheoEYIQEB4Acd8fgHRZK4M1VDlY57CfZ76PaffG3DKk1k40iM=
GpaD2g4zNXrm0xI9xeqxqEr51U4nXx0FhBR45p-SxAKLvtuOH1pbLgJz6iLhQ6X3Q1IPzFIiWXg=
2v37CpBuBFpci0VFrJaE6oGWA339nmESj2-SGG2oqwqHHZOtkJfj1p8bdsRXfsDof0Og7qIcATh=
6W-BHyGfbMdGCodu910erUVx-3isJNiXhEgcUWz7wovqtJ2BQZ_XWCtewOhTV0DIFj7iSeUd0Zv=
034fGzZ8k9nXYoKCRly0haogfCJ_UwzXnqDvU7Ht_4lMNHMiCCTjErP2ZDjE8ppcVt9Wkje9qjf=
CEr8ytYP1PylZXp0kuYtzn5XJLzRTF_QJA~~" name=3D"lego" id=3D"lego" data-eligib=
ilitytype=3D"" data-eligibilityurl=3D"" style=3D"color: #0047D9; text-decor=
ation: none; line-height: inherit; font-size: 13px; background-color: rgba(=
0, 0, 0, 0);"><span style=3D"font-weight:700;font-size:15px">FREE Lego Pok=
=C3=A9mon mini-figure.</span></a><span style=3D"color:inherit;font-size:inh=
erit;background-color:rgba(0, 0, 0, 0)">&nbsp;This Saturday at two toy chai=
ns; limited stock.&nbsp;</span><a href=3D"https://clicks.moneysavingexpert.=
com/f/a/HH_oajWzEF8Xi0am7FKmdQ~~/AAAHahA~/pniLFzc7TuRBOHuhY82EzHHLyn4y5Ftvv=
51kUJV2rQZWy5YiDDmOR_nE3k-si7SOIrpYYkcE8kCcZfD7tUjNlmrEBtQr09L77-pFyA227-7x=
40LrAspRW0I00Wy-7nvEjTOGtjesuerILODZHxQgheqD82QI86wYuBPgSJrHC5Sf3Jw_ej_zXZk=
uHkh4Gsrihm9ZxqGe6Xxf863Qz-eY6Cl6LjBnfLjVAfp-46bI7wyLLFN0chPaUJlJiCWwzSt59y=
kGVyLTsYxfCtM-VuRadBcvBSVuhZDWSY4bqtziUSxR3CtWkiBk6s3xo07PYuR21zfWU7dMxwKW3=
UMtk42fYbASXXEU3Lgq3-tutKwEV5xig0Gg5JBLSIH0lN3ejbfTqXB6qR1PKEaUDcivZKEs9YD8=
l9DzKjKOOIKlN6aM0LpLl1d486Q1CbZU5ODNVdZdzjPmDC52tTr38tjgDn_fcw~~" data-elig=
ibilitytype=3D"" data-eligibilityurl=3D"" style=3D"color: #0047D9; text-dec=
oration: none; line-height: inherit; font-size: 13px; background-color: rgb=
a(0, 0, 0, 0);">Brickachu</a></p>=0A<p style=3D"margin: 0 0 15px 0; font-si=
ze: 13px; line-height: 22px;"><a href=3D"https://clicks.moneysavingexpert.c=
om/f/a/5fWXa2Rlf7tClTtWzTXvjw~~/AAAHahA~/qMJMHE_5Kl8U7T2b627-sMTAt6C1wLnPW3=
sfT0pCjDWIwyVafnJezpK2hc4OII3r5g35xvzjazCRQKQuEWKJKQYeTB0PfZjTjLBd28URjtzWu=
kX1koOv4ZoJuyMGsRm8dlgP6p5ZDNu0yg60RxYuv4oFnmF05XeyiOMYgjwV6Ik~" name=3D"de=
bitcard" target=3D"_blank" rel=3D"noopener noreferrer" id=3D"debitcard" sty=
le=3D"color: #0047D9; text-decoration: none; line-height: inherit; font-siz=
e: 13px;"><span style=3D"font-weight:700"><span style=3D"color:rgb(0, 0, 0)=
">Martin 1min video.</span>&nbsp;</span><span style=3D"font-weight:700;font=
-size:15px">Is your debit card a secret debt card=3F</span></a><span style=
=3D"font-size:15px">&nbsp;</span>Subscribe to <a href=3D"https://clicks.mon=
eysavingexpert.com/f/a/OzjHl0BFmnnWu_b4oicM3A~~/AAAHahA~/KRqTNS5z0JRs7YnnLg=
9cD8qjZYIjswRAtfX7ijelNdoGrwG02OitQ5WmMnPFPJ0Y3NCIqeihtB6x2PkST0S7LFJ3eXJtd=
ElGt4XuS8JcocGuBz2jSlH7xaGfDwGu9KKGFZvay2RnSjQxbb7mVkFauK9tajtjyuzZPQwM1uXN=
_w8~" data-eligibilitytype=3D"" data-eligibilityurl=3D"" target=3D"_blank" =
rel=3D"noopener noreferrer" style=3D"color: #0047D9; text-decoration: none;=
 font-size: inherit; line-height: inherit;">Martin's YouTube</a> for all hi=
s vids.</p>=0A<p style=3D"margin: 0 0 15px 0; font-size: 13px; line-height:=
 22px;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/2OdW9lSG4DLAPeY=
zIDw-aA~~/AAAHahA~/U-T1krhwZg2L2ySGBrLS4sGuELfTKXLtWBcdfchaRgszvAkktw7SwfIg=
8DU2lQhbZbAeO3ea6DXkjpqOjTl7lLTWyWDLOdZ5bxGQGBFCMpTVeYjjKeEhGyl_QnWl_IPjnV3=
DVVdk0PYd_6IELVMR8hXrkjvVdXfaoUmMvDuA76BcGheht0dCZ7-7kr-ea07vKKoGjlETwD2OtX=
iblvlPcGyHnz2rcDvQSaCoqhqIx0YEu8FQS2S-r3Qcu-FyULD1EAUYEId0hX-vW9IGRvA12xUTX=
xS-kaK6sFm-i0PtRdRBI8dGjwpWQP-2FxTN9LyFFv_h37wEp6ylfIS0eoILiuVwfVo9h-Py4sEf=
VddUicYBaGGhZPF6MB4WY55UJ4djTuGJOVl2NfdoBbJY21w50ri3RW-IgqidOU9mlLJ9fSFf0Lq=
tAtO04evqP5tmgyPjEZwscA7VCqFz_wv_FRdDzA~~" name=3D"quidco" id=3D"quidco" st=
yle=3D"color: #0047D9; text-decoration: none; line-height: inherit; font-si=
ze: 13px; background-color: rgba(0, 0, 0, 0);"><span style=3D"font-weight:7=
00;font-size:15px">Get an extra =C2=A330 cashback when you spend =C2=A35+ o=
nline.</span></a> <em><span style=3D"color:rgb(0, 130, 132)">MSE Blagged.</=
span></em> Newbies to cashback site Quidco can grab this =C2=A330 bonus by =
signing up using our link and spending =C2=A35+ via the site. <a href=3D"ht=
tps://clicks.moneysavingexpert.com/f/a/GV8aDg03825TXBkC3yE2hw~~/AAAHahA~/U-=
T1krhwZg2L2ySGBrLS4sGuELfTKXLtWBcdfchaRgszvAkktw7SwfIg8DU2lQhbkBR5kCVtXzNQn=
BUF6_FV2pOL6FZLc6zkButj8k0eKwH8-Ko0LqZJw299lB-RGEMZJ5-QYsZvxy6ZnfmAGRXUnmGg=
rcebCegBBsktkcOh9Tdn2uIUN3F1IWr7Xue9T5V2YlyFIgd2MHUMaCSExl5IlkHNVO2bf2KIDh1=
wUsrDcFJeMhdEFNuX95rkAGxwkxwC_U4ZXmPsQLLkIxFxpB-LdQjxsVxdMOWevWKSObreMKmvFd=
NUJq4BANKoOKR4XiBonOvjzpzst8YRFT8ePlfwUFbHQ8iOgXg4qpsMqoftvoqgg38wx5dvdw-xb=
La-DyWb7KnkW6ktUfUx069Qr5w_XMtzVziAskPwXTdcqRMTRa30iIlqYBMHfIy5doxSpgLVGA65=
Suk-5arv0MdCS4SGAw~~" data-tip=3D"msetip~oneliners-two~4" style=3D"color: #=
0047D9; text-decoration: none; line-height: inherit; font-size: 13px;">Cash=
back boost</a></p>=0A<p style=3D"margin: 0 0 15px 0; font-size: 13px; line-=
height: 22px;"><a id=3D"freeschoolmeals" href=3D"https://clicks.moneysaving=
expert.com/f/a/goRzZaXWTSiEvf8RNVe9HA~~/AAAHahA~/H-sAaWWg-nQfnTGqKLlas2KR5o=
WParRxEG7acwvkXf1QgcvTrhgj4IpaBLILx0sxI8GJq3RyJUK2JKxN-jz9bh9N7zIUjKXQJ2HNy=
BTwXSuViBkadoT_IbcUKFy2r3HgVMoyEYKd-8Dt8rte80_gPzFfWlh3kv01FTVF5sltIKoWO7Z5=
MYOXo70y5SvUvCOBPq6Y6BLUvp9_ac_TCTAepZUAMBaI0J5ZdA5QH7F1d3OcCVIkizKhowAVsHi=
vbCrHEpUfnHwMMbHfIu--8xNNUp1V64AfCJ-uNHQW4SMMsP9RypoY0PAoMtENsgH6f1POaSpZBD=
lSxZBiJd-F9hGpdxgmqncF-Bzua07DpsSdK-saJbKQg28teRVwRau2wZ7QMnvw2LzzmfkQEMQ1t=
vc56jt8YyT-y0PKc96aFLPu2TNqgy089so3jHmqggzOFbpp" class=3D"fui-Link ___1q1sh=
ib f2hkw1w f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figso=
k6 f1s184ao f1mk8lai fnbmjn9 f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1=
tx3yz7 f1deo86v f1eh06m1 f1iescvh fhgqx19 f1olyrje f1p93eir f1nev41a f1h8hb=
77 f1lqvz6u f10aw75t fsle3fq f17ae5zn" title=3D"https://www.moneysavingexpe=
rt.com/family/benefits-check/" name=3D"freeschoolmeals" style=3D"color: #00=
47D9; text-decoration: none; line-height: inherit; font-size: 13px; backgro=
und-color: rgba(0, 0, 0, 0);"><span style=3D"font-weight:700"><span style=
=3D"font-size:15px">Parent on a low income=3F Check NOW if you qualify for =
expanded free school meals in England.</span></span></a><span style=3D"colo=
r:inherit;font-size:inherit;background-color:rgba(0, 0, 0, 0)">&nbsp;From S=
eptember, children in full-time education in England will qualify for free =
school meals (worth around =C2=A3500/yr per child) if their parents/carers =
get ANY amount of Universal Credit (previously, you had to earn=0Aunder =C2=
=A37,600/yr). This is a big change and many more now qualify, so it's worth=
 claiming. See&nbsp;</span><a href=3D"https://clicks.moneysavingexpert.com/=
f/a/zwEpluEW5mi2iNF5AliDEQ~~/AAAHahA~/H-sAaWWg-nQfnTGqKLlas2KR5oWParRxEG7ac=
wvkXf1QgcvTrhgj4IpaBLILx0sxI8GJq3RyJUK2JKxN-jz9binIfr9z3wZEfNGAg4uPm7ekxDLY=
L0cLmqDCQzTqUcIB0NS9LVzj02FRKSzIubDlJW9yH4vwTs5g4TrF4qVavJBK-UcYnZTblltnZW5=
jNh0mCD9VCkeJhn65JZ0CJ1ZMy3C2uaZ6bGhOiquJeeix_u83MIEigLM5uBU6cYwiKx_1VXP055=
Z1LXMX5afLrcdl0q7qScVAUO3g0UuqfKOG46KNM-W94bze0rI0s6eRQW9igqWqVJR28s68dVgHT=
3lb6Mtc2EAOgc45hd-N2Ogwx3NnT-pkZa6FtMjTbz4E4e_SbzomgtRm-3Nfyhe3sbiSni7arj-X=
jyYZPbH6Stb4geTHxt4s0_M7NRBKkuODueaB" data-eligibilitytype=3D"" data-eligib=
ilityurl=3D"" style=3D"color: #0047D9; text-decoration: none; line-height: =
inherit; font-size: 13px;">expanded free school meals</a>.</p>=0A<p style=
=3D"margin: 0 0 15px 0; font-size: 13px; line-height: 22px;"><a href=3D"htt=
ps://clicks.moneysavingexpert.com/f/a/OXu7VmBwSVcMi_rbR5O2kQ~~/AAAHahA~/7h7=
pnL-DNd2gFfjwejN20KyZYnKjH5nRIhysPh8K-6ZghjwM5D_-VfJDTFGT-20cY6VBIIzmveTOdG=
CUwN1P5k3d7anbRM_HIEDIlbpsrhnVM5phFhV45CHgaljH6VcO5rtP9xDYU_2Ob6z7O1aYWcNwz=
qKEkzq1WTSRxuuncfQ191mM-C6BFBRWvGQw4GekLn8HcZj0pf3xBFy0OqkQcWLlFryJXa7MUdG0=
PtM2zi0GQP7q2XTxjdBldu6QNZgKuzqJ6Wv4Z4jkh9LTUDaRIyue5HhPG5dQNfboEZRPQTQG_IY=
810zVP77MKxaj_f7FpHlO-jOetLVPP9PYFIEq-Yao2hsApukDgp6DAE_j51ZXXYfYsvyNRPcm8F=
SX21G9jN0csrYw5p04adnLmye7flqyNcEj3FJw3HkVfeaLDaRm1psDFcs0kyQklycZCo11" nam=
e=3D"bus" id=3D"bus" data-eligibilitytype=3D"" data-eligibilityurl=3D"" sty=
le=3D"color: #0047D9; text-decoration: none; line-height: inherit; font-siz=
e: 13px;"><span style=3D"font-weight:700;font-size:15px">=C2=A32 fares, kid=
s go free and more bus travel savers.</span></a> The new Prime Minister has=
 announced that the =C2=A32 bus fare cap in England will return next year, =
but that's not the only way to save. <a href=3D"https://clicks.moneysavinge=
xpert.com/f/a/zhL6eEIIU-4uV3NGdh5MUA~~/AAAHahA~/7h7pnL-DNd2gFfjwejN20KyZYnK=
jH5nRIhysPh8K-6ZghjwM5D_-VfJDTFGT-20cY6VBIIzmveTOdGCUwN1P5olJKp5VF1y5WoveHF=
tRpUMc2m8Ms4lGJUWLaRa8dqHvPOdI4AHFa5lhH5HRZFxBP3hjEZ430ZeeDE38rB3o0mDTTVLs6=
z_Ymh378Qhwy6mArk_1RD0DPP7ic8ulWF1-dwiLxkH_299AZcvFu8NYbXAcKRPTl9hv6VFpzEU6=
tbjwRAbZC603gNNX6RN5Q5RhRPBy0Y15i8iA2G8KYnamJ1NexNJJBlIXlIKXxpxbl-usz0Cd4dU=
Akk9858P0GfHMJDHf8c8RlP53N0ZuWBFBko68_0VLWhIxnH1WE0Eon95fsbSSi29tAqBm6EvDLg=
ipHEkVICrYsTDXXjyfLZQ-rDZd-65jcsxg3epv5oFJVdFl" data-eligibilitytype=3D"" d=
ata-eligibilityurl=3D"" style=3D"color: #0047D9; text-decoration: none; lin=
e-height: inherit; font-size: 13px; background-color: rgba(0, 0, 0, 0);">Th=
e deals on the bus go round &amp; round...</a></p>=0A<p style=3D"margin: 0 =
0 15px 0; font-size: 13px; line-height: 22px;"><a href=3D"https://clicks.mo=
neysavingexpert.com/f/a/EIRF69qqSGYBMtMytTOgsw~~/AAAHahA~/i-IfHxZuay3KnYuad=
z9VjWVq5-t29RGV0WaVte8a-fcRZQwR8bvfDMurJNBsURJC-c5qAAP_3d0GBg3BvsuCk9ifAxBy=
Ri3VvGqX8I80fQultBGgOhZAb_j4RxHxcQ7jCCg9c0lo8xLze7PZ4Kpsm7foRbUZR6zsE-A-8Xv=
QWUPZr9GMU8fD-MY4v78JhQo0E8DcKxX4KCrX3SiWuFBY-lSGAIQuhnsesphXKRz4xtHfXupNB_=
0KeHs0utoXlhgGyXMIEHNdDpR1ZXTEzfigFAsw4MAEzYICDxO4Gw-CdtPawHFWbViJ-P6Jm4Uyb=
CojfnG665TeGDA7YvJV2G1lCdUzMVX65KKTl_WZDX56Sw_qJQhNN31_pOLJP0tRew7H8YX9plcf=
527iUIBa6mb7FabZjdJd0NsnKwLAFcvEGvIq1mKRQal_VXd2CAHPIceimR5sZ_oQFimlPgpW143=
3YQ~~" name=3D"grind" id=3D"grind" style=3D"color: #0047D9; text-decoration=
: none; line-height: inherit; font-size: 13px;"><span style=3D"font-weight:=
700"><span style=3D"font-size:15px">Grind 35% off matcha code.</span></span=
></a> <em><span style=3D"color:rgb(0, 130, 132)">MSE Blagged</span></em><sp=
an style=3D"color:rgb(0, 130, 132)"><em>.</em></span> Valid on sets, refill=
s, and ready-to-drink cans. <a href=3D"https://clicks.moneysavingexpert.com=
/f/a/Xl4IZeamgzGEYmvsM4gvCA~~/AAAHahA~/U-T1krhwZg2L2ySGBrLS4sGuELfTKXLtWBcd=
fchaRgszvAkktw7SwfIg8DU2lQhbK1CL8bB-2p48-oR-2B7H4N0Mzz3T4subhPb2iLuG_PCyHtW=
vgct9qYfFqM4MuBqPplYUlVH5lsWdaIxb3swRs_AjwLbJYisqok9JGbr46ai3CWN_qwWoYtREqA=
RNELxbEOjMgWITrMcfejLpDEB2zaG3CjNwaYmR28ukSi4xDFcjRl2JEdWP7P7WdBTfO-wCgRRyz=
lfIEjTGNXtm5MgZZeGL5gs6kdb6Lrvs-GnV2giq6ipwWTS1VX-Nio4dElQxJ1Ot42zYoAbBTNn1=
7r4qr3RP8oDa_wu3o6vc0sNGDlxUx-k5PDy9ajC6L_AcQCg1ADJGasdC8nSjSnPh1Q-lrxaRlUx=
Yfd9e14Mg_JWCtc6TH9ByGn56UHMlar_NMzLZ6moRVNECBYIAaWSVQjXALA~~" name=3D"Grin=
d" id=3D"Grind" data-eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D=
"color: #0047D9; text-decoration: none; line-height: inherit; font-size: 13=
px;">Matcha made in heaven</a></p>=0A</div>=0A</div>=0A</td>=0A</tr>=0A</tb=
ody>=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%; padding: 0; margin: 0; background-color: #dee4f0;">=0A<div cl=
ass=3D"empty-gap" style=3D"height: 10px;">&nbsp;</div>=0A<table class=3D"co=
ntainer table--body-bg text--center" cellspacing=3D"17" cellpadding=3D"0" r=
ole=3D"presentation" style=3D"Margin: 0; border-spacing: 0; border-collapse=
: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; max-width: 760px;=
 margin: 0 auto; color: #000; text-align: center; width: 100%; padding: 17p=
x 13px 0; background-color: #f0f5fb; border: 1px solid #fff;" width=3D"100%=
" align=3D"center" bgcolor=3D"#f0f5fb">=0A<tbody>=0A<tr>=0A<td style=3D"pad=
ding: 0; vertical-align: top;" valign=3D"top">=0A<h4 style=3D"margin: 0; fo=
nt-size: 16px; line-height: 16px; color: rgb(179, 23, 23);">Tell your frien=
ds about us</h4>=0A<p style=3D"margin: 0 0 15px 0; font-size: 13px; line-he=
ight: 22px;">They can get this email free every week</p>=0A<table class=3D"=
social-buttons columns--three" cellspacing=3D"10" cellpadding=3D"0" role=3D=
"presentation" style=3D"border-spacing: 0; border: 0; border-collapse: sepa=
rate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; Margin: 0 auto; padding=
: 0;">=0A<tbody>=0A<tr>=0A<th class=3D"columns__padding-right mobile-full-w=
idth" style=3D"font-weight: normal; text-align: left; padding-right: 7px; w=
idth: 33%; vertical-align: top; padding: 0 10px 15px 10px;" width=3D"33%" a=
lign=3D"left" valign=3D"top"><a href=3D"mailto:=3Fsubject=3DMoneySavingExpe=
rt%20weekly%20email&body=3Dhttps://www.moneysavingexpert.com/latesttip/" st=
yle=3D"color: #0047D9; text-decoration: none; font-size: inherit; line-heig=
ht: inherit;"><img src=3D"https://images6.moneysavingexpert.com/images/week=
ly-tip-button-forward.png" width=3D"180" alt=3D"FORWARD" title=3D"FORWARD" =
style=3D"outline: none; text-decoration: none; -ms-interpolation-mode: bicu=
bic; border: none;"></a></th>=0A<th class=3D"columns__padding-left columns_=
_padding-right mobile-full-width" style=3D"font-weight: normal; text-align:=
 left; padding-right: 7px; padding-left: 7px; width: 33%; vertical-align: t=
op; padding: 0 10px 15px 10px;" width=3D"33%" align=3D"left" valign=3D"top"=
><a href=3D"https://clicks.moneysavingexpert.com/f/a/pRoQp7ZWEtwK3Y_AvMgSFA=
~~/AAAHahA~/9aeZqBXMT2qyo6TVJUk0XOBLuoFXh0_A2Jo68IHgl-xc9T9mdb5QuJLPRHLDwlF=
_2goPSXP1hPpOKMiRO7QxFETHkp1lXX7cF2AjtnU5QaIeaVSL2F5pnHApA2Kx1kTY0WxRojg4Qe=
ZD_WiqYtug29vqnHKERIH4dyntIn3YxH2RAWKJayPsGppMNLjbNc_F6VBJde2vK3POnzZ9sHGrc=
v6odkxZIhpxAam97VlIGfA~" style=3D"color: #0047D9; text-decoration: none; fo=
nt-size: inherit; line-height: inherit;"><img src=3D"https://images6.moneys=
avingexpert.com/images/weekly-tip-button-share.png" width=3D"180" alt=3D"SH=
ARE" title=3D"SHARE" style=3D"outline: none; text-decoration: none; -ms-int=
erpolation-mode: bicubic; border: none;"></a></th>=0A<th class=3D"columns__=
padding-left mobile-full-width" style=3D"font-weight: normal; text-align: l=
eft; padding-left: 7px; width: 33%; vertical-align: top; padding: 0 10px 15=
px 10px;" width=3D"33%" align=3D"left" valign=3D"top"><a href=3D"https://cl=
icks.moneysavingexpert.com/f/a/YFctiBtVCOMV8Vuii8DoHA~~/AAAHahA~/L1L84UEW2l=
fmDJ788CrBK5y962H5Crau8Wv9tBuJjlnOKt4F3mZVJt4tthzY0lsrzMd5TPBgDqlQUJXq23vgV=
DP306u2mxMrpsQOKworwygMHjVZnbj0R9AN_gJI7m3ZDm2yYKXnJoc5spf4QO6oJlUXr3sB5QlN=
LJei4rzFiS43or8P77Yyx2s6PMlIyaVRm2Vr5YbBw3FP7uR648anaRvflFWILoXkkfNSHIiF4UE=
~" style=3D"color: #0047D9; text-decoration: none; font-size: inherit; line=
-height: inherit;"><img src=3D"https://images6.moneysavingexpert.com/images=
/weekly-tip-button-tweet.png" width=3D"180" alt=3D"TWEET" title=3D"TWEET" s=
tyle=3D"outline: none; text-decoration: none; -ms-interpolation-mode: bicub=
ic; 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"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%=
; padding: 0; margin: 0;">=0A<table class=3D"container table--white" cellsp=
acing=3D"17" cellpadding=3D"0" role=3D"presentation" style=3D"Margin: 0; bo=
rder-spacing: 0; border-collapse: separate; mso-table-lspace: 0pt; mso-tabl=
e-rspace: 0pt; max-width: 760px; margin: 0 auto; color: #000; width: 100%; =
padding: 17px 13px 0; background-color: #fff; border: 1px solid #dee4ef;" 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<p class=3D"text--msc-title" style=3D"margin: 0 0 15px 0; font-size: 13p=
x; line-height: 22px; margin-bottom: 10px;"><strong id=3D"bb-at-a-glance">A=
T A GLANCE BEST BUYS</strong></p>=0A<table class=3D"columns--two table--tra=
nsparent" cellspacing=3D"0" cellpadding=3D"0" role=3D"presentation" style=
=3D"border-spacing: 0; border: 0; border-collapse: separate; mso-table-lspa=
ce: 0pt; mso-table-rspace: 0pt; Margin: 0 auto; padding: 0; width: 100%; ba=
ckground-color: transparent;" width=3D"100%" bgcolor=3D"transparent">=0A<tb=
ody>=0A<tr>=0A<th class=3D"columns__padding-right mobile-full-width" style=
=3D"font-weight: normal; text-align: left; padding-right: 7px; width: 50%; =
vertical-align: top; font-size: 13px; line-height: 22px;" width=3D"50%" ali=
gn=3D"left" valign=3D"top">=0A<div id=3D"bestbuysLeftOne" class=3D"nt-bestb=
uysLeftOne">=0A<div style=3D"font-size:13px">=0A<div class=3D"best-buy__hea=
der" style=3D"font-size: 15px; line-height: 22px; padding-bottom: 2px; marg=
in-bottom: 13px; border-bottom: 1px solid #bcc3ce;"><a href=3D"https://clic=
ks.moneysavingexpert.com/f/a/3jFE0mPxd0hY9acW150PPA~~/AAAHahA~/lX6xbdVUJqrK=
qHDwbbB5ygdz0zAOtywvZHZx8MOKXT6rO8rQx6An5dokVsbBI-WCrW-5PYas5TvUM3IWdDDoM2O=
GPEMhlKb3LNPH8dyjxJn-8qD7OU4oTLJ3MaCLgQm9bKciOmZvxlZe-5CGRLRglOgyFJ0p-4nskd=
IvFsRIkkLjYD6MXiW90BNhqnq5YfQjaSmBkh_ovtrFV_XJRv-Ktydfkf6XJJ6PjPeMn_VE51DXZ=
s-uCYhr104Xigcuy5VUuN1Lug_apz3DdBNpRooSL1j71TuUCimsJtwKakGnFloezWO4w87fntHA=
D7GLLr9Yjn9zn0W99bBnlc9k09x_W8-ohA-RBtUsUIA_iGDIznNoylIA3kpk0JzHq9-TEBXnGYB=
dVwAlYwgcUz0gDZ9fRTg46EcSI0mfaJt5xSaLnfx4BI9cJN9u8OzpD4D78jb3NJ2Ii3EkHdOxwg=
wK-dBes4wI1pT5gaQEFyrR0OcPrks~" style=3D"color: #0047D9; font-size: inherit=
; line-height: inherit; text-decoration: none;"><strong><span style=3D"font=
-size:15px">0% balance transfers</span></strong></a></div>=0A<p style=3D"ma=
rgin: 0 0 15px 0; font-size: 13px; line-height: 22px;"><span style=3D"font-=
weight:700"><span style=3D"font-size:12px">Top definite 0% card + =C2=A325:=
</span></span> <span style=3D"font-size:12px">HSBC (<a href=3D"https://clic=
ks.moneysavingexpert.com/f/a/5Ns9bqQ0CfbKLYSfoSLLrg~~/AAAHahA~/xMKjpHGb3oMH=
mTgg6tpn7iqAfXXcSKaOE__Rbh4Lt51vjp1QR_82YI2n9Xsv_99GtkUDuSpTQFEFE7x9FGWmfC2=
EtCE5F6Rzwh1--4CKlbWXJFYdJf4G4DE0xa-AjWNCyeVEJl4Ad7Co8NIVZ5wNbL5hfo9D8mxbjU=
9sdUU2EMYHtSkgYgJVpTo0WiWVYtiywv9oVedYZAfjsCAhIfD56owqHiZ8pBqWqJMgWqxSmEx84=
eAXbXM1a9y8V53LZBzON1UtEbRiuEoBLUYJrYzW8JRbsbAyjfdKytlAOyJ3MrW6_FGQfKbyIWBl=
61wFjCkzispJhjW_teeteFSWqHQHHEJst2zckF1GEIHW_JuWXT3TX3Y_HEsW_9PD8j_soQPsaQD=
tqZFkg1M1YTuBW9Vk7OFkoM-rGhFbzbwFiSZHi06AHTWMpF5geNvtliTO0HzMuy4Y5cA3fwHS8-=
ULEJze5f6hF3k7wgC60kSROb6Tq9YLGHQZajpvstb22zDeoCpIlsS4vjK0ewmpxdz31GfpRCCfk=
DKmyrUg0GuhO8jqoxnxrjPPSuaPyFOKUMgQvvP6" target=3D"_blank" rel=3D"noopener =
noreferrer" data-tip=3D"msetip~bestbuysLeftOne-one~2" style=3D"color: #0047=
D9; text-decoration: none; line-height: inherit; font-size: 12px;">check el=
igibility</a>; existing customers&nbsp;<a href=3D"https://clicks.moneysavin=
gexpert.com/f/a/MOcl2tEUDeGl2C1hFqRWqw~~/AAAHahA~/7lcFlIbML5R2IC8BB6ppFPTAR=
ouT-v8YiFU8uYQNqNZthrLcQ5WrQXE_sSZS-C9RXP4oA-HUhlG9nsMQ_3n8FZK4pyJqOs44P8MD=
AcW-My0bgMZuoh1TF_0WFli69826jEnRrTFjAasblLf3-DdudwoxB1Metz3Lr07we2XklxIlRLY=
dBnXxI2VI1k13znCMBrFWgd2fWesL9ezuNZ1BVyx7M9_GetzT9hEyKeuO4kxMU_GF-YCeqyqdi6=
h2QJ1P_QoLLnB6HG1R6FJn_JXWfzLGOH63KFvCb3B0FXef7o2xh3vdfYwjwrcTUCwgEnajpxTAl=
GC5md5fkk3Ue59h0jON9pBBgP2L9Cb9owjREI_RKoGGe7jvhNHnEdFPYEmjVlqb7aSBZMsov-kp=
-scOQyVnayzCQyX-LxY66D9LqCYE_mzL8whRU-ehP7-MP746sAA8O5xIF2nlb4zuzAyviI5k1oL=
Jyb0cJSGozGtwofLOCJU8LWRftsl1fhEmQHdddhf46zG9J-04X2KJOnP5pMp1zyykmksK3WKp7Q=
dlN6NGi0yiX4TSSrronXyXxJ9v" data-eligibilitytype=3D"" data-eligibilityurl=
=3D"" target=3D"_blank" rel=3D"noopener noreferrer" data-tip=3D"msetip~best=
buysLeftOne-one~3" id=3D"isPasted" style=3D"color: #0047D9; text-decoration=
: none; font-size: inherit; line-height: inherit;">use this link</a>), 36mt=
hs 0%, 3.09% fee, 24.9% rep APR<br>=0A<span style=3D"font-weight:700">No-fe=
e 0%:</span> Virgin Money (<a href=3D"https://clicks.moneysavingexpert.com/=
f/a/rZQkBik2rhYj6ksM2xTKRg~~/AAAHahA~/xMKjpHGb3oMHmTgg6tpn7iqAfXXcSKaOE__Rb=
h4Lt51vjp1QR_82YI2n9Xsv_99GtkUDuSpTQFEFE7x9FGWmfC2EtCE5F6Rzwh1--4CKlbVI4cyN=
wtHirz0rg9udrzTcixvQSYup6jHTBxPRNEkwGwl3agA_NAdleK7pT9itBiO3VnommdhC_-Q2C-4=
pRkynhGNmA2gG_eFgG68LcNyQ8VpJ3jq1o57ybeDzSaqXz3r7GHUv4HRNztvb03zaXG2jE_1vg7=
h5ZaWbA7i6W1eWWbvZKz6NFOxYwjwC1gB6-0JOFJK26LshNQ7_Xy0cyOxiL1y4s21eEptIX22g3=
8Gs3SqNPXOEfNhaUEHvICXNTVf9NtTBUVroBfcVKpLknJutTXZfchaaA_QSZdfHXZKWur9kO3YC=
VUIYh8Q1JKU6FnSoeR2obpJI5AfXkG-r0Nw8xA-9zxoxXB4ScOZAizwaQybsrBehrWi5coC1LOn=
L5VKRaWgvX0wHixEo_YJd3xZ-BCc-ApGNW_6Y6FkD78evLmtDszLE4hJV5-m57RIMeAh0RxL9uJ=
8c_BxkTOhlIofh" target=3D"_blank" rel=3D"noopener noreferrer" data-tip=3D"m=
setip~bestbuysLeftOne-one~3" style=3D"color: #0047D9; text-decoration: none=
; line-height: inherit; font-size: 12px; background-color: rgba(0, 0, 0, 0)=
;">check eligibility</a></span><span style=3D"color:inherit;background-colo=
r:rgba(0, 0, 0, 0);font-size: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-size:13px">=0A<div class=3D"best-buy__header" style=
=3D"font-size: 15px; line-height: 22px; padding-bottom: 2px; margin-bottom:=
 13px; border-bottom: 1px solid #bcc3ce;"><a href=3D"https://clicks.moneysa=
vingexpert.com/f/a/HAty5eu6fgcCaYliRJSVwg~~/AAAHahA~/6BOZ9KvC6PV51vpFSB51fL=
egkEMSsk4BrBeEc3Ul20soMgB5WyVX9ilbLYsG5eNH6KqBTAjrwDC4jgXafH2zOcxrQrWeVEwbm=
xxOmKbfJycfqcHF1_BAATFSCmVpHKSfyqZGkktVthzDKR25_Cmqd5beWYE7hI-eiEtiveQ27l4s=
_aLuCEOvt2OmE4u5rh5CRk8pKlVNExG-jljFf-zgMGdMAswfIvaIK257qEGSytIhLn9En5GEHnd=
1_5nhAbJeAl2uJOoy_9ZAvx6BNmyv7411EAboJKuIUkDJ8PJsRBDzs0tDYUNqggLb__hubfw1Ec=
suh_9LBmkqu6dVLDDzzaEdE3Ly5btdhkcNc6s6szeRphWHTl3qfbVAvu27Oqg3g6pCQ9xgAK8-A=
r6_RxQREZETht2ysQtB39DFz8IKbaiBS5uGla4-lwmsxWn_LCuwuKFNgqoIEImVYUZzP-6nKQ~~=
" style=3D"color: #0047D9; font-size: inherit; line-height: inherit; text-d=
ecoration: none;"><strong><span style=3D"font-size:15px">Best bank accounts=
</span></strong></a></div>=0A<p style=3D"margin: 0 0 15px 0; font-size: 13p=
x; line-height: 22px;"><span style=3D"color:rgb(198, 32, 53);font-size:12px=
">Ends 2pm Fri.&nbsp;</span><span style=3D"font-size:12px;font-weight:700">=
Free =C2=A3180+ =C2=A345 Amazon voucher:</span><span style=3D"font-size:12p=
x">&nbsp;<a href=3D"https://clicks.moneysavingexpert.com/f/a/47jIar5sep2DZe=
YZxOJCbA~~/AAAHahA~/fuKSnBu2y-KAxGL6DV8AkCimppUbvQawco68DE4Cbvd64vKOjm02Q-Y=
4RDLxZcl4L26EwaoNY97J031R7ML4xFKLhemuXji7wY-8IIiDavgBHYYmcvFtJ2K4AvUATKSX3X=
K8Q6awC_PL0roP5SmKDxKIUC0RBFqAqf9vBzeHAKAgMfZLwCuSLGwsiuUPJbDt5blhbxCunT3JF=
UGTUZDfRj9Yz8l1J1nA3nYH35796f1hNKXLh0PfhGIY0R69ffELxJFQcgeRBzkXqKqm3oV7DbQ5=
ZKu_J5bob7Unp2YG5s07D4Io7sdh8ejTs9mk8PVk_aCMC2hBdu1myJV09AaXiEWSzwWPXzZTLXg=
OKv1Kc9VUJqirEjfGH3wYDYHkkBIlr1z0tScFQu57ZwSX99j8W_kYlainn1xaZ0MNGxiZlEF1mv=
a8BY4orgIjXnNrn6R6_plAz9CavGLR4zkh8gv0bWBPlRKNnwXkJmvV2ag7wjo~" style=3D"co=
lor: #0047D9; text-decoration: none; line-height: inherit; font-size: 12px;=
">Santander</a><br>=0A<span style=3D"font-weight:700">Free =C2=A3220:</span=
> <a href=3D"https://clicks.moneysavingexpert.com/f/a/BYi_2dDliFU3OxlFc6HIU=
w~~/AAAHahA~/zpKySlL9q0tbl73XrmdkSItF8nt6c5Wv149aHeO_qf7SWGZ-5usgvUfIyRSGSG=
94Ewvu8cbw8e2ZOuXpu6UWwtLgjdfWtKxB9unuWZftFTfJCgR9Od53QhLK_1ZdVJNA3LNb_VBip=
rwMvT55lz9HHs9TP_RQQr_7k6b8WPV6rAZ4_Itcpneo2K05yWcGQw1nxPf9tDM7kTujmXBy4srM=
9mTQdSQwSFhsbBrWH59Ft2O52cEmtvNGqJsr7j08RJvD0Uq8OwleFXEXKkTfANi6UDayaV2K_rW=
_Rf9sx0cjuhFlepfR1-U4gt98IZm6DoY4G_KZKBcFnndr5g1FwUDVL2e82vjFlR46L2nNtNFvcW=
ORsx0n7mvhf52mPkd9584tRnFdYQyf7RAW7y0gzS6-fuHotufrF7ZrxUah0o7tqwX0fKKSQR_Ic=
hzj5tVr28oHrL4ZxCnHgbghiaOtiH2DHA~~" data-eligibilitytype=3D"" data-eligibi=
lityurl=3D"" style=3D"color: #0047D9; text-decoration: none; font-size: inh=
erit; line-height: inherit;">HSBC</a></span></p>=0A</div>=0A</div>=0A<div i=
d=3D"bestbuysLeftThree" class=3D"nt-bestbuysLeftThree">=0A<div style=3D"fon=
t-size:13px">=0A<div class=3D"best-buy__header" style=3D"font-size: 15px; l=
ine-height: 22px; padding-bottom: 2px; margin-bottom: 13px; border-bottom: =
1px solid #bcc3ce;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/pLx=
zVRpWYtc8EXiqZK6YcA~~/AAAHahA~/mcoVoA4blH1F9ynRpEKgo1yN2wN7q-16vzJssIDRgF89=
IRBskjIenTlWMlpt-uzE3MZfDFARlS50kbGN-gZf6NrAvPhFjcmJCxUKMtIcu875TZIPbSWWZsw=
zkMf5JWqyItG3GYQKJ_QwWyTBFjrfuGI9zTEHb5KihkP5EG7xCaAms1o3hdpsodI4JFMej61zF8=
upg9j3P_ctO7gG_wVMK45CtjA-WwiSAUAISMo_5MFulJ1d6DQ6a-XjCsYZTY-AyBGvSDNfhP6zo=
nQKRoGz4Elgf0sconW63wVG1cQrYO59yP2KKY4tVlezexe1JTgHE0OFQ3PxPeOmpegypot9anVo=
IlRKUfQqx1ggp1GzU4bMmAESm6hWbGEMCMVGAVWgW4vr_C0XaFlii2ILP5DGFqgzrFZrr2UWW5h=
ZbrHZ0SrO__0THluX_gN45U5-o5AieECHtGyIys9skPy5T3VGBw~~" rel=3D"noopener nore=
ferrer" target=3D"_blank" style=3D"color: #0047D9; font-size: inherit; line=
-height: inherit; text-decoration: none;"><strong><span style=3D"font-size:=
15px">Broadband top picks</span></strong></a></div>=0A<p id=3D"isPasted" st=
yle=3D"margin: 0 0 15px 0; font-size: 13px; line-height: 22px;"><span style=
=3D"font-size:12px"><strong>Fast fibre (100Mb+):&nbsp;</strong><a href=3D"h=
ttps://clicks.moneysavingexpert.com/f/a/Tr5f1P4YfecqUMO4y1a_Cw~~/AAAHahA~/S=
crTeBbO5sU6Bk0KFVV5fOwFy57eqQEQBWa410OQQyEXBqMcdwZ4eq9zTFKF_kyBJrZFP4IK601M=
tr7V4qUpIpO20lvL8PEwenslQI376E3uiUeW8d-WsEmmIsqy6KI7zf_vl-e5l9A7Bwu5Xh4mWl_=
qLA2j-mBrk6hfHSRfkIALKFub08manYiNqsJ1NBMWmqsTV9F9rWFygIuRN9WTsfWUatwMMPjZEH=
k-zt9Xee1ZjDu9b7BHpC6sh0ocfVQEj8WSAen41HcrPXVjzEZgBJO1vdvGihpRwLi08qlO8-AZG=
Dthetj3o9EnFQyA68S1aQJXBew_x8J-3FK4Ob_ynVRxDUT19fPYM58cY_uVqMLd_6kuCv1eXjGn=
0didILLK-FJg7xJuzsypUEO5Z1Mp1mkq1-FE43MRxF_EaDbJX962BcO1D6LWJYrc0mrRvb_L7R4=
2hVeKOj2X92j-B8S_NbRM55PeDhnABV1M3wY2M_M~" data-eligibilitytype=3D"" data-e=
ligibilityurl=3D"" style=3D"color: #0047D9; text-decoration: none; font-siz=
e: inherit; line-height: inherit;">Sky '=C2=A317.96/mth'&nbsp;</a><br>=0A<s=
trong>Superfast fibre (500Mb+):</strong> <a href=3D"https://clicks.moneysav=
ingexpert.com/f/a/IOPohHPVOcEwFfWDDP-R6Q~~/AAAHahA~/ScrTeBbO5sU6Bk0KFVV5fOw=
Fy57eqQEQBWa410OQQyEXBqMcdwZ4eq9zTFKF_kyBJrZFP4IK601Mtr7V4qUpIpO20lvL8PEwen=
slQI376E043vAamzb5cQCFzdbB8_DaqHuZq7xi-qLX-4xW5-mx5BUO9AEOLaZk-Pm8KSAiDx_Fr=
KeplROm4aKZsGi_V8ah-GIig-HgTIEGhuOTucHfxqtqhtz-dIkVZMfj4eU59oBpI0cKBFcWiggm=
7xKytlqwQSx-lmYbcY2z6jSYdD_hh1S6Y9YJkpwaX09HE_4F_gbgdcmiHOj8yglk6St16ZD3tWx=
Ai-4EdeXMQIGPXPD5wJR3N9hEtyesdGymhwjfe6ODzX5cTp9bKtxUHKn4sNZDuawCVE6_Q7Gzyl=
6PEolb7e81hKHxpD81bUh-zX6Vh_2WPgI-mA0hAAWvu7_RG9nbzQWh8j4VtuBdEczULtTrO0jfD=
ixx8UCHXl8qP603zD4~" data-eligibilitytype=3D"" data-eligibilityurl=3D"" sty=
le=3D"color: #0047D9; text-decoration: none; font-size: inherit; line-heigh=
t: inherit;">Vodafone '=C2=A322.63/mth'&nbsp;</a><br>=0A<strong>Ultrafast f=
ibre (900Mb+):&nbsp;</strong><a href=3D"https://clicks.moneysavingexpert.co=
m/f/a/9mmQYuQgmpzNMHE_jbuYEA~~/AAAHahA~/ScrTeBbO5sU6Bk0KFVV5fOwFy57eqQEQBWa=
410OQQyEXBqMcdwZ4eq9zTFKF_kyBJrZFP4IK601Mtr7V4qUpIpO20lvL8PEwenslQI376E2i7Q=
kIt4MSBeIHRVDVDFzbYNDZLiY7yE2NDoQ8RGnhfIXrvUCPbXrjPSAus7LOVMbSTk_TDCDssYG68=
xfqaJ7EdCeIJpYgf1Cg8oxldz-YWjwmBZKRaKIn8B-RLKd3ZSTjqTHbaa7GRXNfdIBFeWF5KgKc=
ZjDGALHbO1t_lIuVOXcFcXJZbmgsPQChurwoj5P81mqSoFxC_A7rDsaevHu7K_0i3Ly3zAhcP4K=
xtWYG2TSAexyAfDztabCTYcRX4I-V-bTD0evq2bxeTqLIpAzTMaXvh1JIKWhDr_L4Uhc8fNkvBa=
Z-O0Ok9mY7HFhGVaiPRDzSOAN1eNh3KItXD3Gt6hNFbZKX2J6DS23z7-3OiDyR8O-9KhySmtYrR=
KvYEFA~" style=3D"color: #0047D9; text-decoration: none; line-height: inher=
it; background-color: rgba(0, 0, 0, 0); font-size: 12px;">Sky '=C2=A322.17/=
mth'</a></span></p>=0A<p style=3D"margin: 0 0 15px 0; font-size: 13px; line=
-height: 22px;"><span style=3D"font-size:12px"><strong>On Universal Credit =
or similar=3F</strong> <a href=3D"https://clicks.moneysavingexpert.com/f/a/=
koTIDesxrd-msmXAudczbg~~/AAAHahA~/fuKSnBu2y-KAxGL6DV8AkCimppUbvQawco68DE4Cb=
vcaj7osz5qCpCBk37257x8PsgoUbegyjd8jOEh8AUua93VkikKUj7vtSZ-p4Ko-X5zX1tMqSqFZ=
NRknCWEje6a7edT5xKn10VOcfFQd3sX1tdFG6NynbRH_hVCLZ6pT4CCkzsJKcVdBbOHddBrnwbm=
SumYwLTPG8FL8eRZ95g-YSh3In4w9w-KeMCeQkTJAVKYHylsEiaO8y0H6UgA0z8dUknj5MRE622=
UE0lgTY7DfYvHeu6A7LXgs0sPrfi7IWMUHez2r9m9Daai8seeeu7K3XeDKEDUb8PlQoob_1_Pmi=
gLGOfV0AIKP_fwZcpsKgZGUlBrFf1gbnAwtWO7_UwzTMhSYU7jrR99SR6bpHpstFHzbCny6sRUC=
iDCU2qmwsNQOWDztDkk-3QrZUNNbo-uL4odQ6uk2GiQgO00BRnz5NVB9cdFhXt5Rz-cqcWtfwq0=
~" data-eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"color: #0047=
D9; text-decoration: none; font-size: inherit; line-height: inherit;">Check=
 all discounted social tariffs</a></span></p>=0A</div>=0A</div>=0A<div id=
=3D"bestbuysLeftFour" class=3D"nt-bestbuysLeftFour">=0A<div style=3D"font-s=
ize:13px">=0A<div class=3D"best-buy__header" id=3D"isPasted" style=3D"font-=
size: 15px; line-height: 22px; padding-bottom: 2px; margin-bottom: 13px; bo=
rder-bottom: 1px solid #bcc3ce;"><a href=3D"https://clicks.moneysavingexper=
t.com/f/a/-fqdij1UHjEPd9KIx3yO7A~~/AAAHahA~/DTRMTiSN2QYen9JTFYcRQ1r29NNmj69=
ulixHUVUlqGgaQbZ4HgLK81exn-wjjrbNUZ5j3psYNV1tzHwOlIj4s_KrrQIRzG3HictdIK9hIf=
YVpxEW2SVEvWD8yIBVhrtBZEuiD8cnCTTaymPRJFsRgnacetNxqkNnyTwzsOrq149CxMH1UrYbD=
2ax8NgzDe3oQjja41hh6AoENkeNspfigIcRqR1Zk8QdRhIyh8AhXBBq5-O2lKICCZPW0MLxHQTz=
ygwzshB739GR424BF9wlN3UeojL_9s_0phUBpShXGPBP99tmYJ5taEyJL5Ighuqxj7gH6j0FggW=
vKSazzdTAmXdv0OPWY_viXEBeHvAmcPoYdtS4ODYpZPFvF9L_juzmvyGm6-ubGg4x20pYcoEla8=
QIYHnR-g1M5Y2V8majsoK7buVtmj9OVvpYE6TJFAd3" data-tip=3D"msetip~bestbuysLeft=
Four-one~1" style=3D"color: #0047D9; font-size: inherit; line-height: inher=
it; text-decoration: none;"><strong><span style=3D"font-size:15px">Insuranc=
e</span></strong></a></div>=0A<p class=3D"text--no-Margin" style=3D"margin:=
 0 0 15px 0; font-size: 13px; line-height: 22px; margin-bottom: 0;"><strong=
><span style=3D"font-size:12px">Car:</span></strong><span style=3D"font-siz=
e:12px">&nbsp;Use our <a href=3D"https://clicks.moneysavingexpert.com/f/a/q=
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IaBOG3EZNWws2ZOa8a7npInw8ANQF8UcG0cG-dGJNKRn5-j1P_4UiFJHjd2lp69LX1nEWjljIbn=
deXjze68E_5lCDJpkyEQVkpaSkWemBjVL8fDyx8R5JWpownuVui0tO13XkGmmgadUwXPbsnbS8o=
9viPV8FdApGEF12Z328zaCHV9brg98J0D-HMFjImOTto9fdYxTsOm84SvTWGS0uC0m2K-zRgr_P=
VD5jU-24rp5ceW_542TMgsArvfRf2zogp16GmGaVafAI-Boo90aooQ4DnSC0-lBkXO1YbHVXNqJ=
WEVaWC8dL1aRoECwLM2o_jOLWgRwG4I9FkSSIV_kHAxca0qAeK7diYeJ6VXuQd0nH7ehx_uauDd=
hAEHs4NgvDYw94Iy8o5e5gMv70YBy6x" target=3D"_blank" rel=3D"noopener noreferr=
er" data-tip=3D"msetip~bestbuysLeftFour-one~2" style=3D"color: #0047D9; tex=
t-decoration: none; font-size: inherit; line-height: inherit;">Compare+ Car=
 Insurance tool</a><br>=0A<strong>Home:</strong> Use our <a href=3D"https:/=
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X5IERcYnFQywaHM7aX8wtXu1As4WScrUhHzi98-x58sYNsbbVzs2mAM1Fp6eoXkRvVPZwkizyaj=
ao1EeO-sUN4syI1mbsvbqdF5YWrZXiZqJSjFYmWeEU2knPXA8018RzHY3x8CFaNZ2OQxa4xPwCx=
NGMCZOqRAOceU46z2huCSplXMD8_Sp-PFt07bjpybpjp1Ls0a9Y1QEh7r1H514ABcCxnwHoSnlP=
I9wTLrMSoP1k1QPhq_2-KzAtLeDYqU6JStQ2QcLgG-yzfsNobWCoG5FTuzdDMb4MPMbFnTlvtkG=
iARQAaoIEp4ncs0oaY7NcPjH7oV2WxpYEJkIDjgK3uL2pDBV_v0nEoEfXro8bqaS3u" target=
=3D"_blank" rel=3D"noopener noreferrer" data-tip=3D"msetip~bestbuysLeftFour=
-one~3" style=3D"color: #0047D9; text-decoration: none; font-size: inherit;=
 line-height: inherit;">Compare+ Home Insurance tool</a><br></span><span st=
yle=3D"color:rgb(198, 32, 53);font-size:12px">New.</span><span style=3D"fon=
t-size:12px">&nbsp;<strong>Travel:</strong> Use our&nbsp;</span><a href=3D"=
https://clicks.moneysavingexpert.com/f/a/Y5CoERja4s3K5nP4pcccGw~~/AAAHahA~/=
UF2RABMuxd8NgM5UCBWuaBzVFBZGkXePu6NuX8CV1sIaBOG3EZNWws2ZOa8a7npIrJOgTdSWsSf=
DdTdRDj2QYwJIleYbwZLqNGvIXoA43tUmH1mivjB9LaFXazIAp8mFEp70cIIl297XzLJerXfCC7=
CWNADDAWwbjWgyMv2_fvMP7qeGfYsSs_rzshqq04fNDZNc_o21Tzd7cmZCcKm2-b6DXaOwF_qWM=
IJDg_IZjhDRY-Kw2RTsK2aJOEZL97HnmwDTUxtXMIj56KKYsE9amXQG_CRph7ab7zNAg6Rnrgr9=
qLExD7nPQGAksJboqznUZxO6-QZHV6tNASDGY5D593wRcap8FAJXfo3jMFBWlSOCiKV0KfSNrl3=
Xp4XcXmd99BUtkN0d2JGk_BW_UOJwJ_pDhRKK8uuhq63RxUQTLxKvyM_gSDowYaef8fuukvb9" =
target=3D"_blank" rel=3D"noopener noreferrer" data-tip=3D"msetip~bestbuysLe=
ftFour-one~4" style=3D"color: #0047D9; text-decoration: none; font-size: in=
herit; line-height: inherit;"><span style=3D"font-size:12px">Compare+ Trave=
l Insurance tool</span></a><br>=0A<br></p>=0A</div>=0A</div>=0A</th>=0A<th =
class=3D"mobile-full-width columns__padding-left" style=3D"font-weight: nor=
mal; text-align: left; padding-left: 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"bestbuysRightOne" class=3D"nt-bestbuysRightOne">=0A<div=
 style=3D"font-size:13px">=0A<div class=3D"best-buy__header" style=3D"font-=
size: 15px; line-height: 22px; padding-bottom: 2px; margin-bottom: 13px; bo=
rder-bottom: 1px solid #bcc3ce;"><a href=3D"https://clicks.moneysavingexper=
t.com/f/a/zFGhnpBqQY1pHBL2oE1_6Q~~/AAAHahA~/pniLFzc7TuRBOHuhY82EzHHLyn4y5Ft=
vv51kUJV2rQasNSc4JOOMVLmeKKxuNMSd7nuCLD1wr6mX79YwOQOOuyzoOUJhyTff0LI_41TISm=
rgGpBr13J7j1KTT66RLGtje04ywbYdXrHbfSqgkcfv8rzIZpMV2o0JASGWLiIvZ7h2VrD5G3txx=
SoC0_mGZpr2M0PSZhb9Li8SJtQCIIgG-9tA4m1GqNCytRGpGZg2MiHsqrycfIhS_kC_nPi6243l=
CWVV-AqlXNDGDDPS-IHeAg3R6nfdzTubYxAqWi0tDfU4cSPPP94Z3ZvhqQnhCeUhD7R0ofmX-il=
H6A_IGMW-rdw6dAap2cjecF5AC0WfDbno6Y5q82EhhmdN7mgoGI5h-PB4FlxOKDYKboQwcAN-bA=
Jgm0p1NHzuPKZyaAmjL4v5VNuysAMVwBR5WiF3rshai2XdEykgB2UQco3zywNQAA~~" style=
=3D"color: #0047D9; font-size: inherit; line-height: inherit; text-decorati=
on: none;"><strong><span style=3D"font-size:15px">Cheap loans</span></stron=
g></a></div>=0A<p style=3D"margin: 0 0 15px 0; 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.moneysavingexpert.com/f/a/VoOemPykXs7PedhIYUg02g~~/AAAHa=
hA~/UF2RABMuxd8NgM5UCBWuaBzVFBZGkXePu6NuX8CV1sIaBOG3EZNWws2ZOa8a7npIOhb49KQ=
UvPq0_jNMwnR765wUgFwo2JCO224md76Izw1dkRnX5olskXk61LP38GpesJnEpT0upcatEafEYk=
_PDlVrq2pWeYig7EKOQYwrn8bZ22e0pl0Uhxmp9SqEG4bHrnsgTubCiUkcwl-iy5770uS-tv0ft=
XvUoR01qkLal-yzb7kXx_u2x-UWb-40azzqCiU_CKazqxcLJCz8CB87sdY7fmO_uz65dbC6eprG=
2cK3H9-D5gn9ZdfgEfif-vhUZaQCj-kjjR_eJai-UD1x-Uq8Hg3dQ1y2I8-sbmlZg5ZKdazNw7g=
tq3BdS7RvedbgnmA2QsR4nIItqhpxRZFS9sC8lQjv-snkydgiGgD8Vae9c9D-0YpYB2nT0xnGSk=
bq" target=3D"_blank" rel=3D"noopener noreferrer" data-tip=3D"msetip~bestbu=
ysRightOne-one~2" style=3D"color: #0047D9; text-decoration: none; line-heig=
ht: inherit; font-size: 12px;">check eligibility</a>), 6.9% rep APR<br styl=
e=3D"font-size:12px"></span><span style=3D"font-weight:700;font-size:12px">=
=C2=A37,500 to =C2=A315,000:</span><span style=3D"font-size:12px">&nbsp;M&a=
mp;S Bank (<a href=3D"https://clicks.moneysavingexpert.com/f/a/ELpkI2petBB3=
j17pMfNbxw~~/AAAHahA~/jMbgSk0AJFChFTCpUrvVoBJ0uhUWr8xJ2_5ZVxCDEXr_J_iW7E3-8=
StVNNCzLo7C5vphvrrpoO_wm0ED3UvXTzLQlqm2xkYlQ2jLkoz2NHfITzNtXRmGfly32qcfOSHR=
uC3oaSRVLrYylu2uH70rm3bdyhfzHHQhs11EAVDajrK2Hk5etIN5uhajyr6fPf40dFu-kpPtxiJ=
cwTkp2I7P3C1rlsd5k2av41OHWxg-NCyRPEoGj8jno71YttLf_XCl_obRtWOtvoe1Qq2sNzQf5d=
A2xoWymyJcL88HUxEZecq7prvOZdnIfSALPVsevzgVqpHuZjxWdj3ytchECIojUahjWaK6dUJyF=
XoAo4CLnjTMGALDktv0gVkXpqdmsMKmmNRPLEV8MFM-bVGBFY3tLmt-Wiah22CRSVzr3ayVs-Cw=
-dTCLAnnCD6co2h-2dY38FYVivjK6AduyqU8FWLj3YA5teFsf_fzjfbgMrk4BUwAH97j2YiOoQW=
CaBikC4ttg1MOOI_CVZWJqsNYBbJ6wQ~~" target=3D"_blank" rel=3D"noopener norefe=
rrer" data-tip=3D"msetip~bestbuysRightOne-one~3" style=3D"color: #0047D9; t=
ext-decoration: none; line-height: inherit; font-size: 12px;">check eligibi=
lity</a>), 5.9% rep APR</span></p>=0A</div>=0A</div>=0A<div id=3D"bestbuysR=
ightTwo" class=3D"nt-bestbuysRightTwo">=0A<div style=3D"font-size:13px">=0A=
<div class=3D"best-buy__header" style=3D"font-size: 15px; line-height: 22px=
; padding-bottom: 2px; margin-bottom: 13px; border-bottom: 1px solid #bcc3c=
e;"><a href=3D"https://clicks.moneysavingexpert.com/f/a/dGucpSZa77b7FkWySZX=
CGQ~~/AAAHahA~/zpKySlL9q0tbl73XrmdkSItF8nt6c5Wv149aHeO_qf5XeBuxVhKwBbhhr80Q=
g9oXcMmtMaplYvl8p16U6bVUXbzXIkR3QaJ0Xg8JvQyOCrJd89zp5mRnfoQBmp1F0nta2oYhzCt=
Gv_zaJPEWDodE0yHCRXgPMMVqlddOuu2F_rHJC102XrVql3inr1f89noDmk45A8tXUYEiqNMFw7=
DBDwNki7tohTrdc8yO4kzyLSg-Ns1vfbKrjOraVzVC3Fn7pgRYIe0QiIMktx1bnYJVnEnDe4D9Y=
A8okY4XOO29loYCtdArgGUYubzUPvXGiICEZRd0BEt56LNKoB6ZbBkCzLFPv-YGTgWOMWzHfQpR=
WjiIJGpJZqM1H3OGtx4pkKhydwrm_ZpwYNXNvlAf52FFi3FBBYzhsdppQ-V9p5hZ7ORjC1gjrV_=
4QBBu6PkI3hQAw_DQgiyySxvi9Kc3nnNqQA~~" style=3D"color: #0047D9; font-size: =
inherit; line-height: inherit; text-decoration: none;"><strong><span style=
=3D"font-size:15px">Top savings accounts</span></strong></a></div>=0A<p sty=
le=3D"margin: 0 0 15px 0; font-size: 13px; line-height: 22px;"><span style=
=3D"font-size:12px;font-weight:700">Top easy-access savings:&nbsp;</span><s=
pan style=3D"font-size:12px"><a href=3D"https://clicks.moneysavingexpert.co=
m/f/a/0Z-MrWuiWUOSki5j-YbyoQ~~/AAAHahA~/VWHz0durA8-rLiWlG1HLwaEAwfTvx6WvFjb=
lpC6TIKcxR_DKE6Me8U6oos_FoJ8jywJzNY9IwFwbNWvKkQVFKm1FIypAvXmlFw1Qm--1ecJYDi=
tg51bpnPRVYmelRKEVZgH7iFCNvQ4_b5bakEkq-VA_sy_xqTyW7r95HQaTQnLGyHRUWjR4XcwMn=
3kTbBKsM93rnd_GnQ7nSi6dTFISCVw4T-7QQP9hwWR3TMzRLeKTPYyeeuqJUIV-n6d9PjU5rHnD=
0kROMaan_N26llj_vCl6IVPvd-MmR8ZJPSLNsI_WKszUYOwWhYUCYQTy86o1VGcvg4TJED6Xuf_=
_VhdDh4t9SDHT9av0d161H7-kyXJaBBOnhaW_N07L5n6K9o8EgO5x7Hb65QK6L-vYUlZCVjDZ-T=
Qj0UORctlCJ_1hIG8aZn8URU6YGw5K0YVazbXRkUDqZSdXbqSjSK9wH0WlHirwST2nsbQfY5Esw=
Nc3PhQ~" data-eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"color:=
 #0047D9; text-decoration: none; line-height: inherit; font-size: 12px;">Ca=
hoot 5% up to =C2=A33k, min =C2=A31</a><br></span><span style=3D"font-weigh=
t:700"><span style=3D"font-size:12px">Top easy-access ISA:</span></span> <s=
pan style=3D"font-size:12px"><a href=3D"https://clicks.moneysavingexpert.co=
m/f/a/yJyX5al8qKooN65kBNqJHw~~/AAAHahA~/6SO6288cYFH4kV1swcnH9cD9bpJGsKDxDrn=
x4h7EUcO-QRIVhhIy21dLUwGBDM4UQ3LijU5pl6x66PusvrnXN_J12FrbbTNrp_EMzLOjqx0Y2i=
h6J408VJAFWNvv0V5XtAjlT9poXzBSaetmSowQtTJ_t5YBBIrcFq__LBaBsBncWCb2J4KW3LuIG=
BhFfOXZY0_UYlOPFNZdV9jGnIiCSA5zevTf5egSNGc-SFDHOVhs5NYAi_t1eyJSGudCxxJVhYzy=
AmnBU1u541QTXYxSrTOKceDmqQ4a24nFWSp_TWkG3HS-5SLB_QEa1qK6ioAruex-wNdFgfQYDcm=
Z4EoZ8SydkEeuOVdZomLdAAzdwz28psrb43nz5Qy61HYBQVMj_c6Bp1lT-QrHddHC1C0Ti6wrVJ=
9q08OYir5kIrk7n9DZa2kNtbhOcvR_M-z6WbSlJEZmPGIxzsTw0U3sbF3fgw~~" data-tip=3D=
"msetip~bestbuysRightTwo-one~3" style=3D"color: #0047D9; text-decoration: n=
one; font-size: inherit; line-height: inherit;">Trading 212 4.71%, min =C2=
=A31</a></span><span style=3D"font-weight:700;font-size:12px"><br>=0ATop on=
e-year fix:&nbsp;</span><span style=3D"font-size:12px"><a href=3D"https://c=
licks.moneysavingexpert.com/f/a/pyFhaQSTJcQnDLoGpe_y_Q~~/AAAHahA~/r11CVzJSZ=
CeAbBhOaQvfagExvblEJKZtjwJ0aAG12vrsE50Znnzs_CNzNtBVemg-kxw4NrRs0B8S3tP8cngb=
PVop9Sn-P1vQMB9-b_4_64IzbNkhgFa9VOqxFFbB2gzlNMqcEIgKnfIB5XAY13RoK2k4Q2FbT8t=
tzTKw-LfnLkQ_MbEA3AI_j98ObY5NbJHGZKWO395tkPk6fRY5ZD3tEUnFzZTz-PnYsWE4JxX2VZ=
Q8oBxEZW5qnrZckjY2feMwVR_FxTlUy7RRIhev0F5MrhtafXsBBBQEizd5Nz98NRqvV7fUNdr1s=
ArgZ6vOGUE5wr0PX-uH-icB4Ett2SSAPW8uXOJbovXePCqF8Ql3ng4fWtB3bnW4wXLaKFuiPHVf=
zCFd5g_FWhbSRckRljlM56FcilwqbPrGC65bQyWfLqtknIdZkSElH0ev3UH5auK9KuuwlTLiGH5=
5XFafkoVac6u_YYAcESDo454YYePtEKw~" style=3D"color: #0047D9; text-decoration=
: none; font-size: inherit; line-height: inherit;">OakNorth Bank 4.91%, min=
 =C2=A31</a></span></p>=0A</div>=0A</div>=0A<div id=3D"bestbuysRightThree" =
class=3D"nt-bestbuysRightThree">=0A<div style=3D"font-size:13px">=0A<div cl=
ass=3D"best-buy__header" style=3D"font-size: 15px; line-height: 22px; paddi=
ng-bottom: 2px; margin-bottom: 13px; border-bottom: 1px solid #bcc3ce;"><a =
href=3D"https://clicks.moneysavingexpert.com/f/a/yfoxd-G9PwVylzPB4hqv-w~~/A=
AAHahA~/vYwTQ82zbba3nqBRQFrk3o0p2XFWgpi3smLQDbk-AsdG9o1QfNo5DJh5wlwr_2PlEgn=
FzRXpSancqv3fukRuKSl2wzHLDyvPyjpJA6tWCbg-sE7ap3tarR_ndtBvgK2L141GnA7xaALLaO=
j_kll5ywIm1fHpV5J-I3AMiS19kJ_4Vn7ZydRW-bLt9oOC3uXUfJp7Dn0ExHbsH8l4UXHZ3Q7DQ=
Ss1yD68h0zXEGyAN8-_7zQZYRNg6IV2lf2HSTGEFzlUpTFI_dThUlw8l910Lqk6tt_NX1f7sLvX=
P2Y88pgixxP9BMigjQ-mwN2d6fLRTTZ1OAWcVDVjK9yC3ikLPXdXzw1aHp1abQlF8zk3jBemyQS=
eLpvwqdiOYu3DDGMXTZtc9sgrSI7EFr60378MXL3s-h36plSQaNQ6xKNOCOADqSPKYp4dKg7kQh=
PmMKpm" data-tip=3D"msetip~bestbuysRightThree-one~1" style=3D"color: #0047D=
9; font-size: inherit; line-height: inherit; text-decoration: none;"><stron=
g><span style=3D"font-size:15px">Top energy deals</span></strong></a></div>=
=0A<p style=3D"margin: 0 0 15px 0; font-size: 13px; line-height: 22px;"><sp=
an style=3D"font-size:12px"><strong>Use our whole-of-market</strong> <a hre=
f=3D"https://clicks.moneysavingexpert.com/f/a/Qo4v2ChD9Gr83ikEkPrpXw~~/AAAH=
ahA~/vYwTQ82zbba3nqBRQFrk3o0p2XFWgpi3smLQDbk-AsdG9o1QfNo5DJh5wlwr_2Pl-MR_iu=
oB8COKWzvLxEmJZxsLZT9q2PaQ4QNQZItnRr-6sJdbnm1rPtQQyq45Ts2SMLVQT1x7fQBHV7WfX=
4Wo5S37H8EcLVZl2LUofaAP9HJH_tZO2jQV75CX_2tThDXIwErhOQqNQfjLH3RoP9E0I1GXODET=
FlSmdNuK35mjm7KpJHtZJ5mBECZyuyl9ksvpaaAb-Xs6aOtYidxs4NxxL2je1ZfwUZaV9gEICP1=
VtWxXHh2-Gpx9mchSFvDjdMMCSLzx2REsrpK1cq1WzVZ-j_-4umc1O6VW6MJsGNrgTyq-_AnuSp=
PIIqSs31R5D9qisGtXOzbA9dRtZPPRlBTy-t20IC-kWiIxQapFkE69kIFZJ14tcM-Kza6dYnQEZ=
qG2" data-eligibilitytype=3D"" data-eligibilityurl=3D"" data-tip=3D"msetip~=
bestbuysRightThree-one~2" style=3D"color: #0047D9; text-decoration: none; f=
ont-size: inherit; line-height: inherit;">Cheap Energy Club</a></span></p>=
=0A</div>=0A</div>=0A<div id=3D"bestbuysRightFour" class=3D"nt-bestbuysRigh=
tFour">=0A<div style=3D"font-size:13px">=0A<div class=3D"best-buy__header" =
style=3D"font-size: 15px; line-height: 22px; padding-bottom: 2px; margin-bo=
ttom: 13px; border-bottom: 1px solid #bcc3ce;"><a href=3D"https://clicks.mo=
neysavingexpert.com/f/a/cIywc7LLLyy5IWuGd3XdpQ~~/AAAHahA~/6BOZ9KvC6PV51vpFS=
B51fLegkEMSsk4BrBeEc3Ul20ty46f3Jdbi1et1FonO5uMlmTXIm3o1Ec5SGDe0gnAjqccoRP9a=
lLFGz6injJhXH9Gf9tMVoG5-Nav7xFUFIeKI4dRqO0UKa1N-AgpRbUe3Ib-VcF4aJI9N-xcZcyu=
IrEUcIzsA2rGYbikkzNermhkgTMl80GZWt6DoL-4qh4OJdSVeBnye_RTX2pupJvfRuvRbi29jb2=
1eoUyacPfrcpMKqik477_CxVx9UgXCjw6dqasLA_teNh0RAAoJX_OOA0B4yH-a_jFBxVxHMS9qL=
BiIoelRhqUfW4W2dup7UXPFFR7zcsXA5tANborAPNM-JuR1_SEEpdkEMFFCHRjqYQSt-zTWAzoA=
hseMtu2YVPOFXh7trQbOWnkAdKEYXdu3mf0ZJDs2Fz19fRsnAjPiudjgfZ-oxmLH-1nZHPrGlS_=
h-Q~~" rel=3D"noopener noreferrer" target=3D"_blank" style=3D"color: #0047D=
9; font-size: inherit; line-height: inherit; text-decoration: none;"><stron=
g><span style=3D"font-size:15px">Cheap Sims</span></strong></a></div>=0A<p =
id=3D"isPasted" style=3D"margin: 0 0 15px 0; font-size: 13px; line-height: =
22px;"><span style=3D"font-size:12px"><strong>Up to 3GB data:</strong>&nbsp=
;<a href=3D"https://clicks.moneysavingexpert.com/f/a/w27Pwc4TvXGHomYCUAo9Eg=
~~/AAAHahA~/zpKySlL9q0tbl73XrmdkSItF8nt6c5Wv149aHeO_qf61XXJDJLSpXaTgp52IO11=
q2nFbLfc9q1dKYM6SHsWvZOENyJ19JWyF10TqmUFviY8D3VnUws7gfO5wF3mOrbsWICWWlGrn5h=
U0IokBwakRsQZeiEfnVYeZtpvuTPSmHZ74ozw9e2ADJd80O4xTOXEf6N0lTI1XnZLd9aHIe4p2s=
VYldE8CGcyFP0UXC7QFS8yordftPOayJJq6MlLC60rn9ZWiES0PlVequLA_MAxPkbvigN72DDs7=
qMSTFCFwOndQjfIXDkzr8eS_WezlViS_lA7NTYI9-RT-zeL57x9D4d8vdNbZRq8iwioixIOZIW7=
74LLXvKbnFQg9nCV1pVkA6RGlGWnRvteO_YhWmtInqDTmT2BY6jNjzY7jj0OpJbS_kxWCslWUES=
O9qzXMFWQvwM07X_aDzNIVm3rOp1yrYw~~" data-eligibilitytype=3D"" data-eligibil=
ityurl=3D"" style=3D"color: #0047D9; text-decoration: none; font-size: inhe=
rit; line-height: inherit;">Lebara, '=C2=A32.36/mth' for 3GB</a>&nbsp;<br>=
=0A<strong>4GB to 9GB data:</strong>&nbsp;<a href=3D"https://clicks.moneysa=
vingexpert.com/f/a/_qcMVuCplGiR4q_x54I9ag~~/AAAHahA~/zpKySlL9q0tbl73XrmdkSI=
tF8nt6c5Wv149aHeO_qf61XXJDJLSpXaTgp52IO11q2nFbLfc9q1dKYM6SHsWvZPtmdQaAIQjYI=
e6Z0x7WKzEqambeCJeS-CW6a9P447UoheQse1JNw8Ss92WKpDTcLaiv8SWPuJTDp9YtBIauYHbw=
ZFzZpVDvE0xoLw3SDk3ZN8Cx1SWYc4dI1WkEANNBEwuRKbnXC1GM2KHfeBtnAt3soph0a0x2uAv=
tbLdMSLDq9tzCyPcA-qOck_ESS8HplPcWW5uxf46v7x-ynED2gADkC5nePRuNt5N32mGviRECYn=
hvArLiapnaIHqDzrH1gjFU3yrnH_FbW9CmzSP6UStKdvi_UD95qtOUhqmxBHoWYvBbXFK1aql9d=
OYyBxp5U9ISTqgXGV1B5pbF5HP6pizKell4dURgbQJ231iV2EkxIsMQQMzNzRsl19cA3W1lpg~~=
" data-eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"color: #0047D=
9; text-decoration: none; font-size: inherit; line-height: inherit;">Lebara=
, '=C2=A32.38/mth' for 5GB</a>&nbsp;<br>=0A<strong>10GB to 30GB data:</stro=
ng> <a href=3D"https://clicks.moneysavingexpert.com/f/a/mYGXFJZU2pqkqyjZb09=
g2g~~/AAAHahA~/zpKySlL9q0tbl73XrmdkSItF8nt6c5Wv149aHeO_qf61XXJDJLSpXaTgp52I=
O11q2nFbLfc9q1dKYM6SHsWvZNSJzyizLAU5ECKDGE5-qFTeXlMrB1S_ZsflQYAOcda2amWXJmw=
8lxaggwRN2XMSY5ShOuNBxmShqHV7Vw4tWzzw4y79vGazPQX1nkSrZetv1xWrzWlvhN54lOvJxd=
wntTvg430UhuFikKQJIWN7xQeSwUQQKkEr6bPh2BuLK6hS7hUxM5MyQh6dyV4rwBeIdXGVt42XA=
PdwPudfNFt_RdPEn_nXbflWQz7lpHi6k7bboLHCNiKBfXOHXHQtHJVvdJaOlERBksw5hHNiMZbO=
Vn-T7DG8WGfbtG7IEnTaQCGgtn0RsR53Rn4cWon37e4gQbPrT6iySHS2196zAldpadXxx-fXkiy=
CjpwyKUje5qtIeekrViy1vAVupTqk7YufTQ~~" data-eligibilitytype=3D"" data-eligi=
bilityurl=3D"" style=3D"color: #0047D9; text-decoration: none; font-size: i=
nherit; line-height: inherit;">Lebara, '=C2=A32.42/mth' for 10GB&nbsp;</a><=
br>=0A<strong>31GB+ data:&nbsp;</strong><a href=3D"https://clicks.moneysavi=
ngexpert.com/f/a/YiWI9WYimJdmeX9kBpsOGA~~/AAAHahA~/zpKySlL9q0tbl73XrmdkSItF=
8nt6c5Wv149aHeO_qf61XXJDJLSpXaTgp52IO11q2nFbLfc9q1dKYM6SHsWvZKQVPsq86Q-90N2=
2UZ-AiF3G6on8DaHkmND4fzcVtx2P4FyqYgwhZ0TEFW9Kbm0vwRKAl1AXNkni7G7hrc7yBtlr5A=
tvam9-yXw6v8b60mozYgIlA6sI1N_E8Q9M3z7Pg3_zRcqyYtZNGEcY_Ffj_-6DiE6RxB8rAzEMN=
Ehwe1JzjON_AdyRfDNWqPEPXfKGx859zqGhBPMfHPiIz-xyohz2mr8tRnL7k7iRlFqc63h9eEaf=
5v8cXKHWE6uiT5CcpeaT_kM_yoeHAgK3DUhbT2pfGbbo3PuMq03dFn1Ki_6NaXX2okCz5SARG4V=
vKNb-PJfcTd7JgVzECryxISxf1mlm7EWHoqhr_N73s784C4lcC8oIU53W0kls6olH5xz5-w~~" =
data-eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"color: #0047D9;=
 text-decoration: none; font-size: inherit; line-height: inherit;">iD Mobil=
e, '=C2=A36.88/mth' for 100GB</a></span></p>=0A</div>=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;">&nbsp;</div>=0A<div class=
=3D"full-width grey-bg" style=3D"width: 100%; min-width: 100%; padding: 0; =
margin: 0; background-color: #dee4f0;">=0A<div class=3D"empty-gap" style=3D=
"height: 10px;">&nbsp;</div>=0A<table class=3D"container grey-bg columns--o=
ne" cellspacing=3D"0" cellpadding=3D"0" role=3D"presentation" style=3D"Marg=
in: 0; padding: 0; border-spacing: 0; border: 0; border-collapse: separate;=
 mso-table-lspace: 0pt; mso-table-rspace: 0pt; width: 100%; max-width: 760p=
x; margin: 0 auto; color: #000; background-color: #dee4f0;" width=3D"100%" =
bgcolor=3D"#dee4f0">=0A<tbody>=0A<tr>=0A<th class=3D"mobile-full-width" sty=
le=3D"font-weight: normal; text-align: left;" align=3D"left">=0A<table clas=
s=3D"container table--body-bg nt-moneysavingnews" cellspacing=3D"17" cellpa=
dding=3D"0" role=3D"presentation" style=3D"border-spacing: 0; border-collap=
se: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; Margin: 0 auto;=
 max-width: 760px; margin: 0 auto; color: #000; width: 100%; padding: 17px =
13px 0; background-color: #f0f5fb; border: 1px solid #fff;" width=3D"100%" =
bgcolor=3D"#f0f5fb">=0A<tbody>=0A<tr>=0A<td style=3D"padding: 0; vertical-a=
lign: top;" valign=3D"top">=0A<div id=3D"news">=0A<p class=3D"text--msc-tit=
le" style=3D"margin: 0 0 15px 0; font-size: 13px; line-height: 22px; margin=
-bottom: 10px;"><strong>MSE NEWS</strong></p>=0A<div style=3D"font-size:13p=
x">=0A<p style=3D"margin: 0 0 15px 0; font-size: 13px; line-height: 22px;">=
-&nbsp;<strong><span class=3D"text--red" style=3D"color: #C62035;">Top stor=
y</span>:&nbsp;</strong><a href=3D"https://clicks.moneysavingexpert.com/f/a=
/nYT6Ti5xrxQJdaYR-CmZhQ~~/AAAHahA~/ScrTeBbO5sU6Bk0KFVV5fOwFy57eqQEQBWa410OQ=
QyFajYGKItLTqOCSOMxKUkQtxbTjctAFJ7Tr99uFHvN4OqcxurUUX4gPkvz2g2enWsC8TiMgbgm=
v8vxS7EiaDNqsH_bKMK9SpsN-Fg9BbkDuzK1BSm9xw7dATq6l5Yt9_BH38cllsNJWA96lMeXsUX=
Cf95U1mG8D3evJye_G8hQ6B-AybqAXgoLvgaHDvGm5R7WnHju2rkKMFFZXCCQ62FCy71TOagV_0=
0ySMQv5mGJ0cNOOiBEfoPM3jUQSFSMWuzvBL7FUj452JqOkSD4CcYMtA5X1W7vRbeV4aYH76dC2=
4SBaX693usAakQWLM-QoXT-NH87l2nDbQ3GeTrPtH2EZQiVkjLum4BWVqob4zenGD8EjutpKNjo=
m6iF0lXSuqUtC7q-8rnoHKi2XNmMvkRK7n7KyuqUlPCenEtJ0bRzIlKEPZ_eH_3MaDOKaYQiJhG=
4~" data-eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"color: #004=
7D9; text-decoration: none; font-size: inherit; line-height: inherit;">NatW=
est and RBS to cut cashback on 'Reward' accounts by =C2=A312 a year</a><br>=
=0A- <a href=3D"https://clicks.moneysavingexpert.com/f/a/62Zi72dch9W9c6pJKE=
5zsA~~/AAAHahA~/RP-g3jNOX_D93gfNTH4QX8br1OrY0c-CKYfps0-ctFyowTVhFOzls-ySu7B=
kHFhfoWLWJLDfv1_Yo-w2i2av1hDsX2BpQoptkbMzK9DnktvPvISFEyeTDcJAUEFk6vJVmXxVk0=
63_NDaaBQ9SoJuz_gKrUUhrb92tCYuGsgWEkaVs-hM3sQ-mWNTKBF1Koy-WWfOE-IkaQHulB6GP=
6QfmjN53v9TxmNBrMNjelb8swWTC3P2-NrRZsmSVkr7yyS14YiK3-V8Uj1VI31YX6gsf42JpAgZ=
1KBN7rlFvn11F2ky5njnwrvfWCS5J1W10OO83HWuDK8f6OamCOsol-fS4JbA0tRNtNBh7Jf0ej1=
Z0HAHq9dG0KFsyxBI3GgqxHzQf9_6geMQyBrRi_3GjpvTInLEk1e24OFfpm4P4HQvqfOxDAbtOS=
-42DXePgcI7oo-zIGThUP4Eou2rqPbYk2aiLqgTOmyerOKlaWlRC5poaY~" name=3D"elecvat=
" id=3D"elecvat" style=3D"color: #0047D9; text-decoration: none; font-size:=
 inherit; line-height: inherit;">Electricity VAT to be scrapped for six mon=
ths from 1 October - watch Martin's analysis</a></p>=0A</div>=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<di=
v class=3D"empty-gap" style=3D"height: 10px;">&nbsp;</div>=0A<div class=3D"=
full-width" style=3D"width: 100%; min-width: 100%; padding: 0; margin: 0;">=
=0A<table class=3D"container table--white" cellspacing=3D"17" cellpadding=
=3D"0" role=3D"presentation" style=3D"Margin: 0; border-spacing: 0; border-=
collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; max-width=
: 760px; margin: 0 auto; color: #000; width: 100%; padding: 17px 13px 0; ba=
ckground-color: #fff; border: 1px solid #dee4ef;" width=3D"100%" bgcolor=3D=
"#fff">=0A<tbody>=0A<tr>=0A<td style=3D"padding: 0; vertical-align: top; fo=
nt-size: 13px; line-height: 22px;" valign=3D"top">=0A<div id=3D"moneymorald=
ilemma" class=3D"nt-moneymoraldilemma">=0A<p class=3D"text--msc-title" styl=
e=3D"margin: 0 0 15px 0; font-size: 13px; line-height: 22px; margin-bottom:=
 10px;"><strong>MONEY MORAL DILEMMA</strong></p>=0A<div style=3D"font-size:=
13px">=0A<p style=3D"margin: 0 0 15px 0; font-size: 13px; line-height: 22px=
;"><strong style=3D"font-size:15px"><a href=3D"https://clicks.moneysavingex=
pert.com/f/a/2wqskhx2xcjVp6XOfFH7RA~~/AAAHahA~/Dk4Ibj2ocDCQsBm5MZmeQN2UJ_H9=
Uvmy10m3n111tbr_4Y20x35z-yapLZI6rHfjqJnwUPTv7gzvEWYWUb43V7wu1YaDlZB6eMyH1vA=
vFP13TkiB8AVjBSrULWEqSc4G66IALB9z56ONSNugQtIhHWcqsHVI6kIHcl3I9RUIqYzKbXT_1c=
VatLRLAy2PK2CQRCVqcwS3-1OFKXxAvZvUHegMgJR_DOHVfiyio8rfuSZP_MGE5OLrGfWwFBf_R=
vub0ikfAeR7frV6MdJuoaFTtr1uue20Z3wKVgRLgCvd4_praHpA0ZJDLNOWvycx6neE5MiDPtF6=
Skdbum44FbxWWBGcATGfKl72HiGrxRvgLak7IVwk4xvgxAa4NAYSr3-LAP1NUB7-2V4KC3Jk1xS=
rmG5kPZb5e5PimAuo03e_IpzHZ_r2XETFSlhDqopZT50C6fFbGXBrYFUVRzGqcZvo8aRyKTiil0=
Qg-7rKgJo3j06YRyc3nZ4lVSPGVriTrFccgvjaYVlxeuypvmuwhz-5AI5Q_aBQZpzSSIrgQw_ca=
KebCOjq9WzvUnGpDbn_W2_6" name=3D"mmd" id=3D"mmd" style=3D"color: #0047D9; t=
ext-decoration: none; font-size: inherit; line-height: inherit;">Should I t=
ell my brother and his wife they don't need to buy me presents=3F</a></stro=
ng><span data-teams=3D"true" id=3D"isPasted">I'm a childfree aunt to three =
young nephews and I love to buy them presents, take them on days out and gi=
ve them pocket money. Their parents don't have much money to spare, but the=
y get me birthday and Christmas presents 'from the kids' to say thanks. Whi=
le I appreciate the gesture, I'd far rather they put the money towards them=
selves or the children. But I'm worried if I say this it'll come across as =
ungrateful and patronising. Would you say anything if you were me=3F</span>=
 <strong>Enter the Money Moral Maze:</strong> <a href=3D"https://clicks.mon=
eysavingexpert.com/f/a/NWNS6xxSGJgY0iYR1sGg0g~~/AAAHahA~/Dk4Ibj2ocDCQsBm5MZ=
meQN2UJ_H9Uvmy10m3n111tbr_4Y20x35z-yapLZI6rHfjqJnwUPTv7gzvEWYWUb43V7wu1YaDl=
ZB6eMyH1vAvFP13TkiB8AVjBSrULWEqSc4G66IALB9z56ONSNugQtIhHWcqsHVI6kIHcl3I9RUI=
qYzKbXT_1cVatLRLAy2PK2CQRCVqcwS3-1OFKXxAvZvUHbU6RKuFvaq9V5k6_IgwlGy8VVGbWOn=
xzi-UB0x_WyUYkOdIdY-j744w-qLv22qKwuoSI0tuB1H4QR02pq5mC2VM0yGkfgAcJxPsznQJ7W=
X7YqpgmSsZACAdfunAb5ivOzIOnlw1ktnS4VouqPD9SVBqJITrQwHIaqXb0fdZ6YevgUp3qouGZ=
zvCcxWwcUkWb7v34GB-Lvd93EINL0MT_pm4OUw5eeL_qSWsQIdV_LRIFPTlASjRkk5DdQFlvQR9=
ZJyrBX9Tl27t8zH6HpmtyX31lq0qqMBoeJQLRWd0XdZzrb-2WyA4aekbFMux9T7Ol899l2UqrOk=
lLzP1L2eJf4W1hEqsL8kh9WF-MtriOa8p" style=3D"color: #0047D9; text-decoration=
: none; font-size: inherit; line-height: inherit;">Should I tell my brother=
 and his wife they don't need to buy me presents=3F</a> | <a href=3D"mailto=
:%20mmd@moneysavingexpert.com" style=3D"color: #0047D9; text-decoration: no=
ne; font-size: inherit; line-height: inherit;">Suggest a Money Moral Dilemm=
a (MMD)</a> | <a data-tip=3D"msetip~moneymoraldilemma~3" href=3D"https://cl=
icks.moneysavingexpert.com/f/a/3eW8YOoX9YK8-cv1voTUww~~/AAAHahA~/-elu03SZ4v=
RvbN441AZkqFt56HSke1NsBiqMGTaFztK9zjozwSki29AtYqKrjE3mwBHlDxQ1EiEvwal2q22sS=
PQK9SgoNdX0k8ox-qojYipegIJHuvFIsuNKsf7YzHRDQF38KI2zUO-iMiKbod_OrKYCBqnsOk3e=
jrAL8Gj8coZKteMxbQGiSPFp5wFj0GspB4IgK3-fuAQGQ5UYeMky5rWyz_WljGzj7J2IgxgrBBR=
E4aZbM0molcQ3QceO5qcoGBhTF3tIPzqIEz0XaN8f2MjZWFrpIu4RYt2TBv804pjZOV2i8Rin0g=
_VEjqJn4ztNOnu2rhq5xkmxTPqzN_e8hASyxHNOs7e9ATk1NJk6ujLQsss7dCwBq1HEKlwA1VZx=
dcRUl-Eo_XnW0KtKEF0gyxORfnl_TPP-Zi9DN4z3fOGsOC_wHM9QEldIsPU5Cd5YHmXQwlAHojQ=
YXUqbJpPjBB75Px7V9LoVA8Qk2qw1FU~" style=3D"color: #0047D9; text-decoration:=
 none; font-size: inherit; line-height: inherit;">View past MMDs</a></p>=0A=
</div>=0A</div>=0A</td>=0A</tr>=0A</tbody>=0A</table>=0A<div class=3D"empty=
-gap" style=3D"height: 10px;">&nbsp;</div>=0A<table class=3D"container tabl=
e--white" cellspacing=3D"17" cellpadding=3D"0" role=3D"presentation" style=
=3D"Margin: 0; border-spacing: 0; border-collapse: separate; mso-table-lspa=
ce: 0pt; mso-table-rspace: 0pt; max-width: 760px; margin: 0 auto; color: #0=
00; width: 100%; padding: 17px 13px 0; background-color: #fff; border: 1px =
solid #dee4ef;" width=3D"100%" bgcolor=3D"#fff">=0A<tbody>=0A<tr>=0A<td sty=
le=3D"padding: 0; vertical-align: top; font-size: 13px; line-height: 22px;"=
 valign=3D"top">=0A<table class=3D" table--transparent text--small" cellspa=
cing=3D"0" cellpadding=3D"0" role=3D"presentation" style=3D"padding: 0; bor=
der-spacing: 0; border: 0; border-collapse: separate; mso-table-lspace: 0pt=
; mso-table-rspace: 0pt; Margin: 0 auto; font-size: 12px; line-height: 20px=
; width: 100%; background-color: transparent;" width=3D"100%" bgcolor=3D"tr=
ansparent">=0A<tbody>=0A<tr>=0A<th class=3D"full-width" style=3D"font-weigh=
t: normal; text-align: left; width: 100%; min-width: 100%; padding: 0; marg=
in: 0; vertical-align: top; font-size: 13px; line-height: 22px;" width=3D"1=
00%" align=3D"left" valign=3D"top">=0A<div id=3D"quickdeals" class=3D"nt-qu=
ickdeals">=0A<div style=3D"font-size:13px">=0A<p style=3D"margin: 0 0 15px =
0; font-size: 12px; line-height: 20px;"><strong><span style=3D"font-size:13=
px">QUICK DEALS</span></strong></p>=0A<p style=3D"margin: 0 0 15px 0; font-=
size: 12px; line-height: 20px;"><span style=3D"font-size:13px">-&nbsp;<a hr=
ef=3D"https://clicks.moneysavingexpert.com/f/a/UBLBxCDx91QYTYzwNXYWhg~~/AAA=
HahA~/i-IfHxZuay3KnYuadz9VjWVq5-t29RGV0WaVte8a-fcRZQwR8bvfDMurJNBsURJCx5X0k=
CtiRELkY5sofmR7SjUjeAJ0hVxL21Smg8kepQ2mXdh15n75b5KDQ3Qe-X4qsRw4Mvno1gAKm_Oi=
iCxX98yEx-kKks509MLS0eU5Faup95AVj9x9XAO5jEn2eY0TeVxRpFHCXMfQPOHtrNyzdFgwpgB=
hJ8CGyg4jAwaiX4dC4gO7fU1dZPtnPFRj1YAh4CyJcT1jy4DGkrx9uPSIXB4yG7Z7JqMN_05Uaq=
DdR9tydReb841XCkjje_EmJIFG1YnMjRUvZza3eu2e2DTvHTAoI-M-XZRAtwGiJwO7Vi5dgdhOL=
0b2r6iXtga8tbxge6Q3sDXDDT40qdBjsD6DeUA0amdGG33jlyGkPYs2w2wcKso5MpXWFs0L9B0Y=
fzkwjIUF1L8e_PukID12O-eb8g~~" data-eligibilitytype=3D"" data-eligibilityurl=
=3D"" style=3D"color: #0047D9; text-decoration: none; font-size: inherit; l=
ine-height: inherit;">Wingstop:</a> FREE =C2=A311 chicken wings on Wed 29 J=
ul only, first 100 people per branch<br>=0A-&nbsp;<a href=3D"https://clicks=
.moneysavingexpert.com/f/a/BSHgeDvXnELaN06gUl0-Uw~~/AAAHahA~/U-T1krhwZg2L2=
ySGBrLS4sGuELfTKXLtWBcdfchaRgszvAkktw7SwfIg8DU2lQhb88OzFGew9-pXm7ihzkM7K6yC=
OqMp_gv7IR09_zwMV1O3GUpgdLkrhngrMxsoIzRVXh4igeHYRvG3ulABnDie-NDlSorFg1u9lSS=
cAVXkX1b9KTdAEXlH43nv_96EmUW3zPMXdXA5HozZ6u-61-MNhiS3Vb81MY_n_yaS68tL-gPKLy=
GzoIl0wbfRiLiXXPdle3sgSCdPujyTlVQG_BcauswFu2iGDVS196_KjVnbL3Nq5kJOJZO18Knwx=
KnfGHLM0ZV-SGaReRd5szZZrfsL-_V4vCNRHsCVIVZ-x3k4qB384nGJ7sRvmqBSpW7rncLjOOK0=
-kKjIR466x5O2YOLrcj9wQyJAStqPR2SJzU3cQqZ-SjC5lS7-MJL3PZIBchhOByMLjEl7SQf_8m=
qf85eEQ~~" data-eligibilitytype=3D"" data-eligibilityurl=3D"" style=3D"colo=
r: #0047D9; text-decoration: none; font-size: inherit; line-height: inherit=
;">Co-op:</a> =C2=A34 for steak and chips for two<br>=0A-&nbsp;<a href=3D"h=
ttps://clicks.moneysavingexpert.com/f/a/vclVfhHN0JqdIz_XueMWxg~~/AAAHahA~/x=
zuMGH6CS0OAd51vNKK470eRgcPKp4bzpwm-LVht3EfsTvs2sIrSMGioWKx8yNNpBOT4BNnY8LT-=
ElopO5K9r0x99RzAWMJl4QuVhgweb4R9UntAOdp3PTiheoxPjYdHn26Qkwzh4apP7Nx-X5walFr=
b4D1OCIUZHefBlc3UHSfkuzRMRm4FZFgujacZ0xl0N9VW2xqc3ZswcZSQ9Zn7gK5AWXJ1iZZVNL=
hdle1EseEeYZPhtyu0gFktbA89KItycI6iEwWjoJOJWELoC5ODTwqIXysjcx0b1s5tUmDBcGY3Z=
HeXUEdQRRdWb4tBrjD3e9OopqxmAau5k3wOWRo_-DChQFXmHjfhSAKT4v8659k6sATFOQTZD5tE=
gEBZQoUx1z9kJCeZK1x60tKUUkgq-IoRHbNAIRRn2HgsH-lwdus10zaoTBYegniF7hoKnH8IazC=
dpjMZ3dst8TPIaGpjGg~~" data-eligibilitytype=3D"" data-eligibilityurl=3D"" s=
tyle=3D"color: #0047D9; text-decoration: none; font-size: inherit; line-hei=
ght: inherit;">Gaucho:</a> Two course meal for =C2=A310<br>=0A-&nbsp;<a hre=
f=3D"https://clicks.moneysavingexpert.com/f/a/5-iMVUw2wxKDBWyipQMd6A~~/AAAH=
ahA~/mcoVoA4blH1F9ynRpEKgo1yN2wN7q-16vzJssIDRgF-xYKwLs9SjRJDZLzc9tnRTQkICh-=
qsRswuiSnfr_j4gwnjy-TZi8Mx6XjjpQIr5AbyVQ2RuSro2f-qheoNLiUFVPsbI_hZ_DIKqwLMg=
HORUquF3NJYBFRxPQhuVgFHCLhdPW6cJ8H5CAiI-wDXVjkeBpb85Zo3aNKFnWD0KH_3gGi4zn9p=
vPqZQXrzIxVeCEpOObsZlrQ5Kf-ubT2IEoSXWV0XjyT0LrHrhEL_Md7tYIJ-PDIaR_ArSt3sSPk=
NOuWPdlKYjZoKfi7NNrxO6iWiSFF0rixggxYN46wdTEpBg6V3WVxMw1mEhzBOn4TGGsvDnqkZFU=
6mTkU60VCpMmWw7R3qvJuy0E7_v_ZM4v5DAtT4vGRjWaHDo7S60QCEeJt5Yd_oDMz7zg46fC9EG=
v5OGGjFZCI9H5QfLTa0Q3KslA~~" data-eligibilitytype=3D"" data-eligibilityurl=
=3D"" style=3D"color: #0047D9; text-decoration: none; font-size: inherit; l=
ine-height: inherit;">Tesco:</a> Free apple for kids every time you shop<br=
>=0A-&nbsp;<a href=3D"https://clicks.moneysavingexpert.com/f/a/0S_GSs_zdQkp=
JikO8fVKNg~~/AAAHahA~/POiODKj4rD7AGHLGRXaU4PYja2geJIEfi_5izwXDY5mg-V7F5MOSl=
DGvSLIhPkBZYMeET_616vnFNIKqdt6fnRhwD8B8R5GO4RWUruXzTtL3W6Kzvwr9PMJAIHCdiJ91=
fq4xDYokxB2FGUZmtw79rtvtI6KzxrkTOHqEHeQBdKYV9vdYbCSlgf-0zqe2jM8Z3B-X71DTb5b=
R9Evkpnq1d-xRmcidEVvae4rX4zRqOETsvXL5eQIkekA_hY2ED_OtYfEbYEZMrvIkxjeXaxdGfl=
q3ljEo55miQxu7-a8fnWKWDE_rwKrQ80049bfpG4fDQBMSQA9-cIiG7E-Ok6ip8yybNIUP-2nV9=
EzG20odnlqMxEYHkvG54q-VatFrh-I9E9E0RIWq3rzSpnUOJI8OC3uT4FIq4XewXVk5x6-FXf-S=
ieZLpLE8MeZLiOJkVN-v" data-eligibilitytype=3D"" data-eligibilityurl=3D"" st=
yle=3D"color: #0047D9; text-decoration: none; font-size: inherit; line-heig=
ht: inherit;">Zizzi:</a> 50% off lasagne on Wed 29 Jul only<br>=0A-</span> =
<span style=3D"color:rgb(198, 32, 53);font-size:13px">Ends Fri.</span> <spa=
n style=3D"font-size:13px"><a href=3D"https://clicks.moneysavingexpert.com/=
f/a/W9ip8y5vT3oOToc9C2j66w~~/AAAHahA~/tCKbWeklwYN48Jjm1yl461W5lmnESTjiLX_fA=
M8nAK7Kdv67DC3CP5IGY1vKZj9oezzo-IfKL-3b5eITlRDjvXjEOY1lg1Nz_Mwcb9Q38w6H4h9v=
o5D4GApEWjcspB_ymNJcas_PR0XA5AUqh-jJfkgHK2Gx00pUPKieiVaStmu9pze9-_m6TIqky9B=
HUqLe6wbfot_LyOXNYKc8P0VJWxcULNKQzDw31QHVVPITR1f5iVCVKpOEXj7Sd5lG2SW760CfsH=
TiZ4xgOYK9pNTvMtuCR4BVlN0cI448uO9VJmJzC-4mXjoAjQwv7_QBtxNEaZQKIBcDE98PGGNsP=
C0hMj8DTVp12GOhNuzpm-sPxi7G3T-wqxR1rp5yqnSL2Y6ae1KxV-HHyqo9yKHn4GJ316JQYjc_=
VVXw7jwP-4viF77jT01RaiOXSDXRgt-RM3yFyvZwHJ18A8cR9ZJblEUzWw~~" data-eligibil=
itytype=3D"" data-eligibilityurl=3D"" style=3D"color: #0047D9; text-decorat=
ion: none; font-size: inherit; line-height: inherit;">SpeckyFourEyes:</a> =
=C2=A337 Ted Baker prescription specs or sunnies (normally =C2=A3135)</span=
></p>=0A</div>=0A</div>=0A</th>=0A<th class=3D"columns__padding-left mobile=
-full-width" style=3D"font-weight: normal; text-align: left; padding-left: =
7px; vertical-align: top; font-size: 13px; line-height: 22px;" align=3D"lef=
t" valign=3D"top"></th>=0A</tr>=0A</tbody>=0A</table>=0A</td>=0A</tr>=0A</t=
body>=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%; mi=
n-width: 100%; padding: 0; margin: 0; background-color: #dee4f0;">=0A<div c=
lass=3D"empty-gap" style=3D"height: 10px;">&nbsp;</div>=0A<table class=3D"c=
ontainer grey-bg columns--one" cellspacing=3D"0" cellpadding=3D"0" role=3D"=
presentation" style=3D"Margin: 0; border-spacing: 0; border: 0; border-coll=
apse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; width: 100%; =
max-width: 760px; margin: 0 auto; color: #000; background-color: #dee4f0; p=
adding: 0px;" width=3D"100%" bgcolor=3D"#dee4f0">=0A<tbody>=0A<tr>=0A<th cl=
ass=3D"mobile-full-width" style=3D"font-weight: normal; text-align: left;" =
align=3D"left">=0A<table class=3D"table--body-bg" cellspacing=3D"17" cellpa=
dding=3D"0" role=3D"presentation" style=3D"border-spacing: 0; border-collap=
se: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; Margin: 0 auto;=
 width: 100%; padding: 17px 13px 0; background-color: #f0f5fb; border: 1px =
solid #fff;" width=3D"100%" bgcolor=3D"#f0f5fb">=0A<tbody>=0A<tr>=0A<td sty=
le=3D"padding: 0; vertical-align: top;" valign=3D"top">=0A<div id=3D"teambl=
og" class=3D"nt-teamblog">=0A<p class=3D"text--msc-title" style=3D"margin: =
0 0 15px 0; font-size: 13px; line-height: 22px; margin-bottom: 10px;"><stro=
ng>MSE TEAM BLOG</strong></p>=0A<div style=3D"font-size:13px">=0A<p style=
=3D"margin: 0 0 15px 0; font-size: 13px; line-height: 22px;"><a href=3D"#" =
style=3D"color: #0047D9; text-decoration: none; font-size: inherit; line-he=
ight: inherit;">-&nbsp;</a><a href=3D"https://clicks.moneysavingexpert.com/=
f/a/Ak9KE5Kk2aE_IDfcv_76kw~~/AAAHahA~/6BOZ9KvC6PV51vpFSB51fLegkEMSsk4BrBeEc=
3Ul20vSk7BgluQPrgc6ZFnRgnWmOJ4XlZgSLkJlRyoclrIKdhyxaKps4c3ybA6QGYYdlGrKMiyi=
HaaRAwL3UJ33QoLv3bqTr-d4VwT3YlfVA70IfiPs3HsCdgpPJIb1PzTwr1aM_9fc96P1J91-ICJ=
QoYTLJUEuTUOG7fcHLRutBtifkigNC6htQpfr5vFw-v2vlTv1dWdqdeTktc14p1CmWp5I3yiSqG=
4X29hKG_thmdQo4ysv3tGFnl6FQrc2aaYPiHQL602wwQV9PEohrXwVtCIvOfn53E8-FmhjAkOTa=
9zCMXPcAi6gg7uqZfbjnkgyM5XM-x5Dtzx7hOGBu5rJq1xffh7cFlRYp3A7Fb5UZxg2hJI4K_Z3=
0XhiJI_6ltHCDeCfUrzTUfC6WwLwkY2SWkE9w5Kw1ey34yXBCp9_Z1s3bA~~" data-eligibil=
itytype=3D"" data-eligibilityurl=3D"" style=3D"color: #0047D9; text-decorat=
ion: none; font-size: inherit; line-height: inherit;">MSE Forum highlights:=
 bags, bees &amp; building up savings</a></p>=0A</div>=0A</div>=0A</td>=0A<=
/tr>=0A</tbody>=0A</table>=0A</th>=0A</tr>=0A</tbody>=0A</table>=0A<div cla=
ss=3D"empty-gap" style=3D"height: 10px;">&nbsp;</div>=0A</div>=0A<div class=
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dth" style=3D"width: 100%; min-width: 100%; padding: 0; margin: 0;"></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%; padding: 0; margin=
: 0;">=0A<table class=3D"container footer nt-footer" cellspacing=3D"17" cel=
lpadding=3D"0" role=3D"presentation" style=3D"Margin: 0; padding: 0; border=
-spacing: 0; border: 0; border-collapse: separate; mso-table-lspace: 0pt; m=
so-table-rspace: 0pt; width: 100%; max-width: 760px; margin: 0 auto; color:=
 #000;" width=3D"100%">=0A<tbody>=0A<tr>=0A<td style=3D"padding: 0;">=0A<h3=
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c6a84; font-weight: bold;">Important. Please read how <a href=3D"https://cl=
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ws0XKSbngcSz2Ki_DsUzOfmrapzRGM1MpxvSrhSxkdfVbybpQkI08KZ3oEMl1S5ATnJ7b5KeWeF=
IUDQSW4_Xxif6P8-0T9pOUWSFKOaRg_xIkDDfbqNdIEo05QRnssb9ZAUyPFPY8mKPOa4UYD6p2o=
wi4STf9OUH-86Q9L2d0W-m8Opa3rwnMuv2U-N4dkUfcKvSjzhj3FIKKt_uUiZJduVE2hQ4Z4Yjl=
3x7wIPcN8j_6QbCfaEgqfZb7W4XQOGDjyNBZtUkHwYtM6J9TuOKS7jjHM-dd7oCegt2bYwC4J52=
HwDFbalsIcwCDbs9sFvtchl_kRHkze-_708-5b_liokYkvu47498MsI0he7szX5CzKtLI9YZRip=
rBDqrurJzfsH9t1DhcsymRyQ7af0gYbCqG7PfXd1gU~" style=3D"color: #0047D9; text-=
decoration: none; font-size: inherit; line-height: inherit;">MoneySavingExp=
ert.com</a> works</h3>=0A<p style=3D"margin: 0 0 15px 0; font-size: 13px; l=
ine-height: 22px; color: #5c6a84;">We think it's important you understand t=
he strengths and limitations of this email and the site. We're a journalist=
ic website, and aim to provide the best MoneySaving guides, tips, tools and=
 techniques - but can't promise to be perfect, so do note you use the infor=
mation at your own risk and we can't accept liability if things go wrong.</=
p>=0A<p style=3D"margin: 0 0 15px 0; font-size: 13px; line-height: 22px; co=
lor: #5c6a84;"><strong>What you need to know</strong></p>=0A<p style=3D"mar=
gin: 0 0 15px 0; font-size: 13px; line-height: 22px; color: #5c6a84;">This =
info does not constitute financial advice, always do your own research on t=
op to ensure it's right for your specific circumstances - and remember we f=
ocus on rates not service.</p>=0A<p style=3D"margin: 0 0 15px 0; font-size:=
 13px; line-height: 22px; color: #5c6a84;">We don't as a general policy inv=
estigate the solvency of companies mentioned, how likely they are to go bus=
t, but there is a risk any company can struggle and it's rarely made public=
 until it's too late (see the <a href=3D"https://clicks.moneysavingexpert.c=
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ne; font-size: inherit; line-height: inherit;">Editorial Code</a>. Martin L=
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; font-weight: bold;">More about MoneySavingExpert and Martin Lewis</h3>=0A=
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#5c6a84;"><strong>What is <a href=3D"https://clicks.moneysavingexpert.com/f=
/a/xyE7DzTAuCP5LbJpCpvgdg~~/AAAHahA~/zuW-iCFDUelungpEaWdNcElnA4PQtKRzPtat2j=
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guEYDcOhoWRXop_53dM5wQGgEOhCWGIQDHo6cabessv7LeT4ddKCnlgeSaTZNBi_0AkXzxHFfd4=
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T-bBUPRwoqi8Wl97l6w4sAeNEn_lrP_ALJ9pIS7gaqyUmgAcoTaSu6I73kYc6fV5f3a_w2bHL0v=
9dS9FpwDOuRMLMvkD3t687uTi5p-1Eq-0Y6cCRVaiMuecIRR1NJw1TsTGlgu8afUt_og~~" sty=
le=3D"color: #0047D9; text-decoration: none; font-size: inherit; line-heigh=
t: inherit;">MoneySavingExpert.com=3F</a></strong><br>=0AFounded in Februar=
y 2003, it is now the UK's biggest consumer help website, with around 9.5 m=
illion users and 45 million page views a month, and about 9 million receivi=
ng this email. In September 2012 it became part of the MoneySupermarket Gro=
up PLC. Its focus is simple - saving cash and fighting for financial justic=
e on anything and everything. The site has over 80 full-time staff, more th=
an a third of whom are editorial - researching, analysing and writing to co=
ntinually find ways to save money. More info: See <a href=3D"https://clicks=
.moneysavingexpert.com/f/a/nNUn9X7I_rsa5w00hLB5uw~~/AAAHahA~/KETQcW5ubmWC9=
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9SqQ3nnX-oun18CePDwuBHoCB6D87Fyo070wAKkVpOWUlI_sYllmAHXjUVp9qKCE7Vjtu-3Z_9N=
xNy5BCNG1tYJ7R7NcCfVSTqZ905N2e7d6-MNmLJTH6xVgubnLwKkwqunJbH4GXikVSVZYZxNCNT=
fIO3nmDQXrm7j1GsAVZgzPmQkzjsxmid9RTRgTy0xB4Ky8E4iW7rra_NGbvlFTWg1Alxla89itU=
l29kWRtGNKA-cAP61vMT6mbOHwbpw-KS3Ok9kntCq2Pq7htsFoyoFhpDNHV3dtDWQ1jLQKBMv32=
IshWGSzS-K0c0UOCUtVyyBgQ4gOmP0qbf57AWuQ~" style=3D"color: #0047D9; text-dec=
oration: none; font-size: inherit; line-height: inherit;">About MSE</a>.</p=
>=0A<p style=3D"margin: 0 0 15px 0; font-size: 13px; line-height: 22px; col=
or: #5c6a84;"><strong>Who is Martin Lewis=3F</strong><br>=0AMartin Lewis CB=
E is the founder and executive chair of MSE, as well as the founder of the =
<a target=3D"_blank" rel=3D"noopener noreferrer" href=3D"https://clicks.mon=
eysavingexpert.com/f/a/LVwWlnhIRSmx0XLTANDiMQ~~/AAAHahA~/pEhFtTI6T3CzNn3xa3=
MDsUED8wun_FR5vtVYP5sGI3E7QxPL8IHEj_58Pdj_7bFbePHZzB20g7Wud7SvoTNpeld3W8uh2=
Tk06Y7Y0TY7Kl9Kc8dn04Ca6fxOOs-pTp3fqKDfQcZhn44Qa283m9ZwUw~~" style=3D"color=
: #0047D9; text-decoration: none; font-size: inherit; line-height: inherit;=
">MMHPI</a> charity. He's an ultra-focused MoneySaving journalist and consu=
mer campaigner with his own prime-time ITV programme <em>The Martin Lewis M=
oney Show</em>, Radio 5 Live Wednesday show <em>Ask Martin Lewis</em> and w=
eekly slot on <em>This Morning</em>, among others. More info: See <a target=
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xpert.com/f/a/T4Sv-KKWltdA0GMIBrzEuw~~/AAAHahA~/UF2RABMuxd8NgM5UCBWuaBzVFBZ=
GkXePu6NuX8CV1sKh7d17MmQRoAM-VyK5UhVFTNeJEw8i67_QnmHojjshuydbjQVef7U0nICSgs=
1FUjBK3zU9X74c7Ir1rWBvi3LAIQyXhO9Rw3H1wJ1YJa53NLY3goK7oougZQkGERKkPlyx6kVKZ=
5gVjnhJS3AY8X-sUu-bie5hLXzpM41UroHEdkJkSEH_aOFsHqDKBGsGOKkbp0diWBvXT9nrnL83=
cn8IuxIgf_uloVQd01JXRecvYqnmyYqo7Mfix21eKEbvRH6meBA5Gv-weMA28ms_RteZL18o9VH=
Y9ezvCfD4PEGqFcs5-3pz4GY_Eqmaycu29b7y70mC-vQIkmynuEw1EW3lCEFGGINuUVSZgnjDet=
bxNs1tOEMp54OnQqC6hvx3ArpiVwsKHLo_XEIBN_Qf9Meu" style=3D"color: #0047D9; te=
xt-decoration: none; font-size: inherit; line-height: inherit;">Martin Lewi=
s' biography</a>.</p>=0A<h3 style=3D"margin: 0 0 15px 0; font-size: 15px; l=
ine-height: 15px; color: #5c6a84; font-weight: bold;">What do the links wit=
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AGM2v0wEXhzM26OXJlaU945Uijbp4gLXURWKYVnIgnhSB_2IWZc1N-fvGDIoGB8jnvEnX8A6_Ci=
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fI8gFhJDyGiTxvFk7SXzfARzlGDUcc7CZCApM" style=3D"color: #0047D9; text-decora=
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trong>Financial Conduct Authority (FCA) Note</strong></p>=0A<p style=3D"mar=
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