Shift debt for LIFE, 19p loo roll, over 700 free London days out, £20+ beauty freebies, and more. These are Money Saving Expert Martin Lewis’ Deals of the Week.
Remember, deals can change quickly, even while I’m on the programme. So always double-check the terms and conditions before spending. Plus, while I hope these deals will save you cash, don’t spend if you can’t afford it, don’t need it, or won’t use it.
Lock in card debts at 6.9% for LIFE
A balance transfer is when you get a new card that pays off existing cards for you, so you owe it instead, at a lower rate - meaning more of your repayments clear the actual debt. Though , these cards do require having a decent credit score. Usually they're short-term offers, but a new deal is perfect for those who need a long-term cheap rate.
Now normally I talk about short term 0% deals as these are the cheapest way to do it, but you need to be able to clear the card or shift again before the 0% ends. Yet a new card’s launched which, if you need longer or are unsure of how much you can repay each month, is a safer alternative. With the MBNA Rate for Life card, if you’re accepted you can shift debt to it for a permanent 6.9% APR. In other words, the rate lasts until all the shifted debt is repaid – though of course you must make the minimum repayments and all transfers must be made within 60 days of opening.
If you can repay quicker it is worth looking at new cardholder 0% deals. Barclaycard is the longest at 28 months 0% (then 18.9% representative APR after), and until the end of this month, it’s dropped its fee for debt shifting to 2.99%. However, there are many other cards with lower fees if you can repay even quicker. See Martin’s full Best Balance Transfers guide for more help and full best-buys.
Whichever card you get though, always remember the balance transfer golden rules: a) Repay at least the set monthly minimum, or you may lose the promotional rate b) With 0% deals, aim to clear the debt or shift again before rates rocket. c) Don't spend on these, it isn't usually at the cheap balance transfer rate.
£29 of posh chocs for £4
This is a bit fiddly, but worth the effort for you chocoholics out there. If you’re a newbie to The Tasting Club, sign up via cashback site Quidco before Sunday 22 September and get your first box of posh chocs (usually £20.95), plus an extra box of Munch and Nibble chocolates (usually £8), for just £3.88.
You’ll be charged £20.95, but you'll get £17.07 back from Quidco once the cashback tracks (it takes about eight weeks to appear in your Quidco account). When it does, tell Quidco to transfer the money to your bank account. But remember, cashback is NEVER 100% guaranteed, so ensure you understand how it works before signing up.
WARNING: This is a membership club and you'll be charged £20.95 for chocolates every few weeks if you don't cancel via the 'manage my membership' section of the website.
Martin’s Quick Deals
- Freebies with £14 lip salve. Buy any skincare product online at Origins before Tuesday 1 October and you'll get THREE freebies worth up to £28 (based on full-sized products). Origin’s a little pricey, but this deal is handy if you’re buying something anyway. The cheapest products currently available include a lip salve and a spot cream, both costing £14. Buy one, and you can pick one of four different sets of freebies to choose from, such as Plantscriptions 30ml cleanser, 7ml serum and 5ml eye cream, worth £28. The codes you need to enter to get the freebie are on the page when you click the link above.
- FREE entry to over 700 hidden properties and gardens. It’s Open House London this weekend, when over 700 usually paid-for or closed-to-the-public properties, gardens, attractions, museums and more are opened up to the general public. These include the Gherkin, the Bank of England and Battersea Power Station where you can just turn up – though expect long queues, so it’s worth checking out some of the other less high profile participating venues at Open House London.
- £24 Morphy Richards blender. There's currently 60%-70% off Morphy Richards hand blenders at Ocado, including some reduced from £80 to £24. Yet Ocado has a £40 minimum spend, so if you want one of these, you need to top up with grocery spend.