On this weeks episode of the Wallet Watcher personal finance podcast we discuss:-

• Majestic Wine money saving offers
• Thomson Holidays special offers
• Gala Bingo voucher codes
• Mortgage rate advice

Keep those emails coming in to walletwatcher@btpodshow.com. We also have fresh articles on the Wallet Watcher blog including money saving extras, cheap UK petrol prices, how ISAs work and what is the interest rate? . The secret promotional codes this week are Sports Direct voucher code, Fragrance Zone voucher code, Play.com voucher codes and Easyjet voucher codes.

We’ve got together with car rental company Budget to bring you special offers of $30 off weekly rentals and 10% off other time periods. With over 900 locations in the US alone, the latest vehicles with optional sat nav you can now rent like a genius by heading over to www.budget.com/wallet to take advantage of these great money saving deals from Budget and Wallet Watcher.

This episode of Wallet Watcher is brought to you with GoDaddy and offers you great discounts on hosting and domain names. Use the following Wallet Watcher November 2008 GoDaddy vouchers to save you money – wallet1 gets you 10% off domain name purchases and wallet2 gets you 20% off orders over £25. Some restrictions may apply, see the GoDaddy web site for more details.

Tags: gala bingo voucher codes, majestic wine money saving offers, thomson holidays special offers, personal finance

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So just what SHOULD mortgage borrowers be doing as interest rates tumble. I wish that it were that simple, but it’s a puzzling business for ordinary consumers watching interest rate movements in credit crunch Britain.

Cheers as the Bank of England slashed Base Rate to 3 per cent from 4.5 on the sixth of November, were quickly followed by jeers as most of the big mortgage lenders did precisely …. nothing.

We’ve all got used to a half per cent cut turning into a measly .2 or .3 of a per cent by the time it reaches us. Adding insult to injury, anyone who also has savings will find the banks only too quick to slash the rate on their savings.

The best advice for those looking for a new deal is to sit tight … for a while at least. Those of you lucky enough to be on a tracker rate (where the interest rate on your mortgage is pegged at, for example, 1% over base rate) are lucky. Your mortgage will automatically be following base rate down by 1.5% next month. That’s a nice early Christmas present to go with the half a per cent cut you got in November.

Those on standard variable rates have to trust the generosity of their lenders, and hope that they play fair and reduce their rate accordingly. All I can say to that is GOOD LUCK. The SVR is the rate your lender sticks you on once your fix or tracker lapses … it’s a kind of inertia selling, and the banks know most of us are rubbish about checking on this sort of thing. Those on the SVR tend to be the least financially aware – and so they tend to get the worst financial deal of all.

That meant that even after the base rate cut to 3%, the average SVR was 6.79% … more than twice the base rate, an astonishing markup for the banks. Admittedly, after Alastair Darling pulled the banks in and demanded they pass the cuts on, Halifax, Nationwide, Royal Bank of Scotland and NatWest, all said they would be reducing their standard variable rate by 1.5 per cent.

However, that means you’re STILL only getting 5.29%, which is a pretty rubbish rate when base is 3%. You SHOULD be looking for a better deal. But again, it’s been tough to find one. The lenders have been pulling most of the tracker deals – you can see why, as a tracker automatically cuts the bank’s margin as rates fall. And as for fixed deals … well even a day after the cut in interest rates, the cheapest fix was STILL around 5.25%. Those of us who are already on fixed rates can find the fall in interest rates a bittersweet experience. You are, relatively at least, losing out.

The BIG advantage of fixed rates is certainty of course. If rates go up, you’re protected. If rates fall, you at least have the security of knowing what you’ll be paying each month. But of course, we’re most of us greedy. And that lovely secure fixed rate can look a bit ropey when you’re still paying 6 per cent.

However, those on a fix should savour the security, and look forward to better deals in the coming months. Rates ARE going to start to fall as credit frees up, as free up it must. Beware though. The fall in house prices may have reduced your equity and thus increased the loan to value of your home. So if you had a £100,000 mortgage on a £200,000 home, but your property value has dropped to £150,000, then your LTV has risen from 50% to 66%, and that could mean a higher interest rate on your new mortgage.

If you can wait do. And while you’re waiting, here is some groundwork you can be doing to get the best deal. Make sure your credit history is rock solid before you apply. Check it with Experian or one of the other credit agencies and act to repair any problems. I’ll have more on repairing dodgy credit in a couple of weeks. Make sure you’re on the electoral roll too … it all helps.

Save! Ensure you can put down the biggest possible deposit. You’ll get a better rate, and you have a better chance of getting a mortgage full stop. Don’t change your job now if you can help it. A thick sheaf of payslips from the same employer will impress the lenders, as will plenty of healthy looking bank statements. And don’t move either … a long period at the same address is a big tick in the lending box. This last bit of advice may ring a bit hollow if you’re looking for the mortgage BECAUSE you’re moving of course!

Some of the best deals are back with brokers now … that wasn’t the case a month or two back. Get a broker who can sell from the whole market (not all of them do). Read the small print on the terms and conditions they send you. Read the small print on arrangement fees, redemption penalties, terms of the mortgage, the lot. Which is better, 6% but no arrangement fee, or 5% with a £1000 arrangement fee? Not sure? Then you haven’t done enough research!

Don’t ignore your current lender. You know what – they might just negotiate rather than lose you. Though don’t count on it, some lenders are muleishly stupid and shortsighted on this stuff. But most of all … keep checking! Deals are changing by the day and some aren’t around very long. A regular check on the best buy tables on moneysupermarket.com, moneyfacts.co.uk or godirect.co.uk will keep you in the picture.

Credit checks: Experian, Equifax
Mortgage rates: Moneyfacts, Go Direct, Moneysuperrmarket

Tags: Mortgage rate advice, Mortgage rate advice article, Mortgage rate advice, Mortgage rate advice article, Mortgages, mortgage, rates, personal financial advice

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Related: Thomson

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Related: Majestic

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This is the horror scenario for many UK consumers. Your outgoings are stubbornly high (the declining cost of commodities shows no sign of filtering through to gas and electricity prices or the cost of groceries in the shops). You can’t raise your income (with recession biting over the next year or two, few of us will be in much of a position to ask for a pay rise). That leaves one avenue alone … looking for some money saving extras to make your weekly disposable go a day or two further. There are limits here – we can’t all live on grass and move to a cave, even if we wanted to, but here are ten quick tips to save cash.

Money saving extras top 5

1. Move onto a cheaper gas or electricity tariff … it still won’t be cheap, but if you haven’t changed for a year or more, you won’t be getting the best deal.
2. Check out cheaper mortgage deals. Again, the lenders aren’t exactly queuing up to lend just now, but if you are on your bank’s standard variable rate (SVR) you certainly AREN’T getting the best deal.
3. Shop around. LIDL, Primark, Netto … all offer good, affordable alternatives to the upper scale high street. A family could save hundreds of pounds a year by moving downmarket – and downmarket doesn’t have to mean worse.
4. Make do and mend. Don’t throw stuff away, fix it. And try swapping with friends and neighbours. Boot sales and jumble sales have never seemed such a good idea.
5. Buy less. You don’t have to refloat the economy single handed. Question every purchase …. you’ll be surprised how little you need.

Tags: money saving, cost cutting, economising

Related: Moneysaving articles

The point is of course that there isn’t one interest rate. There is the much talked of ‘base rate’, currently at 3%, and this is the rate (plus a small premium) that the banks borrow money ‘wholesale’. They then lend that money on to you, in the form of mortgages and other loans. And they make a margin on this – fair enough, they are businesses. Most of us are quite happy to pay this, when the banks are borrowing at 5% as they were a year or two ago and lending it to you at 6%. In fact, in the heady days of lending, you could often get a fix at below the then current base rate, as they would use this as a loss leader, to hook you in. After your term was up, they would rely on customer inertia to see you slipping unnoticed onto the standard variable rate.

But when they are borrowing at 3% and lending at 6%, we are not simply seeing an historically high gap between base and lending rates, we’re also seeing astonishing markups – 100% in the above case. There are a number of reasons for this. The freeze in credit means that it’s hard for the banks to borrow money from each other, and that makes the interbank lending rate (LIBOR) rise. So they are borrowing at much above base before they can lend to you. These illiquid and poorly capitalised banks are also trying to rebuild their balance sheets, get more cash on board in other words, so they are hoarding the stuff. Nobody wants to be the next Northern Rock and suffer a run on assets. All these factors make the interest rate rise. And all conspire to make that mouthwatering 3% or anything near it just a dream for ordinary borrowers. In answer to my friend’s question – the interest rate is the one you can get!

The list goes on, and sportsdirect.com has an excellent selection of sports clobber, from badminton to squash, swimming to skating, rugby to table tennis. As well as the headline reductions on end of lines and special offers, there is good pricing across the board, and typing in a Sports Direct Voucher Code at checkout makes things cheaper still.

Check out current Sports Direct Voucher Codes and remember that codes are constantly being added and deleted. So head for Google and search for either sportsdirect voucher codes, sports direct voucher offers, or variations on that theme.

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Related: sportsdirect.com 

Perfumes are always horribly expensive of course – I don’t quite understand why 100ml of pleasant smelling water in a plastic bottle should cost £30, but then maybe I just don’t get it – but the upside is that it offers major opportunities for discounting. Checking out featured items on the Fragrance Zone website at time of typing, I find DKNY Delicious Night Women eau de toilette spray down from £27 to £21.99, Hypnotic Poison eau de toilette from £30 down to £27.99 and LaCoste Essential from £30 down to £21.99. Add the Fragrance Zone voucher code and they become 4% cheaper!

The Fragrance Zone voucher code you need is NOVEM4. Simply type it in at checkout.

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This week on the Wallet Watcher personal finance podcast we talk about:-

• The Body Shop voucher codes
• Prezzybox voucher codes
• Thorntons voucher codes
• Redundancy advice

Thanks for the emails, keep them coming in to walletwatcher@mevio.com. Be sure to visit the Wallet Watcher blog for articles on debt clearance, free tickets to attend TV recordings, how to lose money on spread betting and only buy things you need. Our secret promotional codes this week include Center Parcs voucher codes, Littlewoods Direct voucher codes, Healthydirect voucher codes and BBC Shop voucher code.

We’ve got together with car rental company Budget to bring you special offers of $30 off weekly rentals and 10% off other time periods. With over 900 locations in the US alone, the latest vehicles with optional sat navigation you can now rent like a genius by heading over to Budget.com to take advantage of these great money saving deals from Budget and Wallet Watcher.

This weeks episode of Wallet Watcher is brought to you in association with GoDaddy and offers you discounts on hosting and domain names. Use one of the following Wallet Watcher November 2008 GoDaddy voucher codes to save you money – wallet1 gets you 10% off domain name purchases and wallet2 gets you 20% off orders over £25. Some restrictions may apply, please see the GoDaddy web site for more details.

Tags: prezzybox voucher codes, the body shop voucher codes, thorntons voucher codes, personal finance

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As ever, forward planning is the key. Don’t bury your head in the sand and don’t assume it can’t happen to you. Many of us wait until we’re already in trouble before we make a plan. It could already be too late to save your house by that point, and panic is never a good ally when you’re trying to be coolly strategic.

The second thing, in the words of Joe Strummer, is ‘Know Your Rights‘. Work that system for all it’s worth … you’ve paid enough tax into it over the years after all. Some statistics first. Around 1.8m in Britain are now officially unemployed. Though cynics will point to the number of long-term sickness benefit claimants in the UK, and say the number is already much higher. By the end of 2009, many are saying we’re going to have 3m on the dole.

Now your rights, and you have a major advantage if you work for a larger company. If the firm employs 20 people or more, it MUST consult the union before it gives anyone notice. This will be a staff rep if it’s a non-union organisation, but either way. Remember my redundancy advice UK readers – IT’S THE LAW! They can’t just ignore this. And they HAVE to give 30 days notice …. 90 days if more than 100 people are to go. You can’t refuse to go unfortunately, but they DO have to pay you.

Don’t get too excited, redundancy pay is a lot meaner than it was last time we had a major recession. If you’ve been there two years or more you’ll get half a week’s pay for each year of complete service if you are under 22, a full week up to age 40, and 10 days if you are 41 or over.

But CHECK your contract! You may find you’ve waived this right when you signed up (though you almost certainly didn’t notice, who does!) Conversely, your firm may offer better deals than the statutory minimum, and remember that the first £30,000 is tax free. So a tax rebate should be on its way to you. You won’t be surprised to hear that the taxman has tightened up on things though. To ensure you do get your cash tax free, you must be genuinely redundant. Getting sacked doesn’t count, nor does ‘gardening leave, nor does a pay-off in lieu of notice … Remember redundancy doesn’t mean YOU losing your job, it means the JOB has to disappear.

What if you get more than £30,000? Well lucky you. You can shield the excess from tax by putting it into your pension … and that also has the benefit of future planning. This is money you can’t now spend! Pensions may look like poison at the moment (blame the stockmarket) but the value of shares will rebound over time. So as long as you’re not retiring in the next few years, this could be a very good time to salt away a tax free sum.

Do you have unemployment or redundancy insurance? If not it may be the time to buy it. And check existing life insurance policies you ALREADY have … you may be surprised to find you’re already covered! It may not be much, but it could keep you afloat.

Now could be a good time to think laterally. Even if your employer is a two-man band, with you playing the trumpet, all is not lost. Try negotiating with your boss, as he probably wants to keep the show on the road too. Maybe he can cut you down to one day a week rather than killing your job altogether. That way, there’s less disruption to his business, and you keep SOME money coming in. In your new and unwanted free time, you can look for other part time work. The old irony. Just as it’s easier to borrow money from banks when you’re rich, it’s MUCH easier finding a job when you’re still in one.

Finally, planning ahead again. This could be a very good time to audit your skills. Portfolio working was a buzzword a few years ago, but it could be making a comeback. I’ll be looking at turning your expertise into hard cash in a fortnight’s time. And if you haven’t done it yet … construct that household budget! Saving money has NEVER been such a good idea. I’ll have lots of ideas for you on THAT one next week.

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Related: Thorntons

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Related: Prezzybox

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Related: The Body Shop

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This week on the Wallet Watcher personal finance podcast we talk about:-

• Healthydirect voucher codes
• Littlewoods Direct voucher codes
• Center Parcs voucher codes
• Reclaiming dormant money

Thanks for the emails, keep them coming in to walletwatcher@btpodshow.com. Be sure to visit the Wallet Watcher blog for articles on house prices in my area, ways to save money, safe havens for money and how do BRIC markets work?. Our secret promotional codes this week include BBC Shop voucher codes and Papa Johns promotion codes .

We’ve got together with car rental company Budget to bring you special offers of $30 off weekly rentals and 10% off other time periods. With over 900 locations in the US alone, the latest vehicles with optional sat nav you can now rent like a genius by heading over to www.budget.com/wallet to take advantage of these great money saving deals from Budget and Wallet Watcher.

This weeks episode of Wallet Watcher is brought to you in association with GoDaddy and offers you discounts on hosting and domain names. Use one of the following Wallet Watcher November 2008 GoDaddy voucher codes to save you money – wallet1 gets you 10% off domain name purchases and wallet2 gets you 20% off orders over £25. Some restrictions may apply, please see the GoDaddy web site for more details.

Tags: center parcs voucher codes, healthydirect voucher codes, littlewoods direct voucher codes, personal finance

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How, you may ask, can this happen. Well there’s an old Scottish saying that Gordon will be familiar with ‘many a mickle maks a muckle‘. Many little things add up to a big thing, in plain English. And this half a billion quid is made up of lots of little things … money forgotten in moribund bank and building society accounts, old insurance plans, share certificates, and cash in National Savings accounts.

Typically the sums are small, a few pounds in some cases. Often the customer has moved on and not cleared their old current account. Sometimes the person has died and the account has been missed by their family. Now Gordon’s plan is to snatch those millions and use it as the core of a charity to do good works. We have no problem with that – better than using it to prop up the Exchequer’s flagging finances. But how much better if you could claim any of that cash that belongs to you, before it disappears forever.

Banks reckon they have between £250 and £300m sitting unclaimed. This has accumulated amongst 500 British banks over the last century. Obviously there aren’t that many UK banks now. Most have been swallowed up by bigger and bigger banks down the years. There are now 42 banks and all are signed up to a scheme to reunite customers with their cash. This includes all the big high street names, which between them have access to all UK clearing bank accounts going back to the year 1900. If you think you or yours have a moribund account, contact mylostaccount for details on how to claim.

Building societies have consolidated even more furiously down the years. A century ago there were 1500 of them, now just 59. But all have signed up to mylostaccount. With an estimated £130m or more lying unclaimed in building society accounts, it has to be worth a pop.

Thousands of us buy life insurance and pension policies yet never claim on them. The companies reckon there is around £100m unclaimed on life policies and £300m on pension policies which have never paid out. Go to the Unclaimed Assets Register, or UAR, for more. The Pension Service should also be able to help.

And while we hear a lot about benefit abuse, the big story is the amount of benefits we DON’T claim. The Department of Work and Pensions reckons around £10bn of means-tested benefits go unclaimed each year, including pensions, council tax and housing benefits. Go to Citizens Advice or HM Revenue and Customs.

We looked at the supersafe haven of National Savings & Investments a couple of weeks ago. The problem is, loads of us pop our money into NS&I and promptly forget all about it. The figure unclaimed, including savings accounts, unclaimed premium bonds and their prizes, is staggering … over a billion pounds! Okay, the average balance in moribund Ordinary Accounts is a measly 19p … but even these accounts add up to £200m altogether. You’ll find the URL for the National Savings tracing service on the blog.

The plunge in share prices is bad enough without you simply losing your shares. But that’s what loads of us do. Buy them, then move without a forwarding address. Or simply forget we owned them. Many people die owning shares their families know nothing about of course. The total sum unclaimed is at least £12bn … and that’s before you factor in the dividend payments! The Association of Investment Companies (or AIC) can help you track down lost shares.

We’ve all heard about unclaimed Lottery prizes. After a while they lapse, though at any one time there are millions of pouns unclaimed. But this is dwarfed by the £31m of unclaimed Premium Bond prizes. There’s no point having this supersafe investment if you’re not checking your numbers! You can catch up on the winners at the National Savings website.

Related: www.mylostaccount.org.uk, www.nsandi.com, www.theaic.co.uk, www.uar.co.uk, www.thepensionservice.gov.uk, Citizens Advice, HM Revenue and Customs

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Related: www.centerparcs.co.uk

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Related: www.littlewoodsdirect.com

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Related: www.healthydirect.co.uk

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Alongside all of these and many more, you’ll find a complete selection of DVDS, magazines, books and Blu-Ray for everything from ‘Dad’s Army’ to ‘Little Britain’. We reckon there are some great Christmas present ideas here – yes, it’s only October, but you can leave things too late you know. This BBC Shop voucher code gives you free delivery too, so there are great savings to be had.

The BBC Shop voucher code you need is SABUYFS. Simply type the code in where asked for at the checkout on the BBC online store and you’ll qualify for free delivery. As ever, let us know if the code works for you.

• Flower Angels voucher codes
• Symantec voucher codes
• Simply Hike voucher codes
• Save with council MOT test centres

Keep those emails coming in to walletwatcher@btpodshow.com . Also be sure to pay a vist to the Wallet Watcher blog for articles on Ebay alternatives , Icebank savings account , how do ISAs work and BRIC markets . The secret promotional codes this week are Easyjet promotional codes , Papa johns promo code , Skype vouchers and Ocado vouchers .

We’ve got together with car rental company Budget to bring you special offers of $30 off weekly rentals and 10% off other time periods. With over 900 locations in the US alone, the latest vehicles with optional sat nav you can now rent like a genius by heading over to www.budget.com/wallet to take advantage of these great money saving deals from Budget and Wallet Watcher.

Wallet Watcher is brought to you with GoDaddy.com and offers you some great discounts on domain names and hosting. Use our Wallet Watcher October 2008 GoDaddy vouchers to save money – wallet1 gets you 10% off domain name purchases and wallet2 gets you 20% off orders over £25. Some restrictions may apply so see the GoDaddy web site for details.

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Yet you’ve been driving a car that, as far as you can see, is running absolutely fine. Now I’m not saying all garages are at it – the vast majority are probably decent and honest. And of course drivers like me, who don’t even know where the catch is to release the bonnet, aren’t necessarily going to know there is anything wrong.

But that’s just the problem. If we don’t know, we can never be entirely sure if the garage is playing it straight or just charging you for work that doesn’t really need doing. Even worse, you can’t be totally sure that the work was actually done.

What you need is a test centre without a vested interest in selling you parts.

And most people don’t realise that there is such as thing. In fact, local authorities across the UK run their own MOT test centres. The best way to find yours is to Google the phrase ‘Southwark Council MOT test centre‘ (obviously putting in the name of your own local authority here). Or simply find the website of your local authority, and get the link from there.

The great thing is that these centres DON’T do repairs, so they have no incentive to fail you unfairly and flog you parts you don’t need. They DO have a reputation for strict adherence to the Ministry’s testing standards though.

While you’re at it, think about your other regular motoring expenses. We’ve been constant supporters on this site of petrolprices.com. This marvellously simple website simply asks you to enter your postcode, and the clever database will quickly supply you with the cheapest petrol stations in your area, with prices per litre listed. If you burn a lot of fuel then it’s well worth signing up for their regular newsletter.

Don’t just renew your car insurance with the same company each year … you will NOT get the best deal. There are a host of excellent price comparison sites for insurance, including moneysupermarket.com confused.com and gocompare.com. Running a price comparison on all three should take you less than half an hour – a reasonable investment when you could save hundreds of pounds.

The same goes for breakdown cover. If you are buying it from your regular insurer then you’re probably losing out. Again, use a price comparison site to find the best deal.

Do the same for finance if you’re buying a new car, and learn the tricks on getting a rockbottom price on a new motor. That last one is an artform in itself …

There are fantastic deals to be had on new and nearly new cars at the moment. Take a look at the newspapers and you’ll see that all the big car makers, including Toyota and Vauxhall, are laying off workers in the UK, as they simply can’t sell enough motors.

It’s all part of the growing recession engulfing the economy, but there is a bright side – you should be able to really haggle hard for that shiny new motor you want, as the dealer is almost certainly desperate to sell.

But don’t just think new. We all know that a car loses a huge chunk of its resale value the moment it moves off the forecourt for the first time, so why not go for a nearly new car. Buy a three month old model with 2000 miles on the clock and you could save a third off the new price. And try the big discount brokers, such as jamjar.com, UKcarbroker.co.uk and dealdrivers.co.uk. These supermarkets offer great discounts against the regular highstreet dealers.

Related: www.jamjar.com, www.ukcarbroker.co.uk, www.dealdrivers.co.uk

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Related: www.symantec.com

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On this weeks personal finance podcast John Rennie gives personal finance advice on:-

• Paysan voucher codes
• Gym Company voucher codes
• STA Travel voucher codes
• Safer returns on your cash

We want to hear from you, you can send your emails to walletwatcher@btpodshow.com . We also have fresh articles on the Wallet Watcher blog including EBay alternatives , saving money on travel and house prices in my street . This week we’ve found some secret promotional codes this week including Easyjet voucher codes 2008 , Papa Johns voucher codes , Play.com voucher codes and Littlewoods Direct voucher codes .

We’ve got together with car rental company Budget to bring you special offers of $30 off weekly rentals and 10% off other time periods. With over 900 locations in the US alone, the latest vehicles with optional sat nav you can now rent like a genius by heading over to www.budget.com/wallet to take advantage of these great money saving deals from Budget and Wallet Watcher.

This episode of Wallet Watcher is brought to you with GoDaddy and offers you great discounts on hosting and domain names. Use the following Wallet Watcher October 2008 GoDaddy codes to save you money – wallet1 gets you 10% off domain name purchases and wallet2 gets you 20% off orders over £25. Some restrictions may apply, see the GoDaddy web site for more details.

Tags: gym company voucher codes , paysan voucher codes , sta travel voucher codes , personal finance

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