Stop smoking freebies, 3% savings interest, Shopping discount codes 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.
Web Exclusive: 5p/litre off fuel with £50 spend at Tesco
Until Sunday 29 September, spend £50 or more in participating Tesco stores (not Express and Esso Express stores), or on groceries online, and get a voucher for 5p/litre off petrol and diesel.
In-store vouchers are valid for two weeks, and online ones until Sunday 13 October. If you’re spending over £100, split it into two transactions of at least £50 each to get more vouchers.
Important: Tesco hasn't confirmed which stores and forecourts are included, only using 'participating' on its website for this, so ask before filling up.
Smoking’s bad for your wealth
We’re about to start Stoptober where 160,000 people quit last year. While cigarettes are expensive (times the number you smoke a day by £135 for your annual cost – so 10 a day is £1,350), there’s a hidden cost that shows smoking is really bad for your wealth. The additional cost of policies like critical illness insurance, income protection and private medical insurance can be £30,000 over 20 years. More so, to count as a smoker all you need do is have had one cigarette in the past year.
There’s plenty of free help available to stop smoking. The Stoptober quit kit contains a health and wealth wheel so you can check how much you’ll save, and there’s also the Stoptober app. Though Stoptober is the high-profile qutting campaign, you can get access to help all year round. And although a whole industry has now built up around selling highly profitable 'stop smoking' patches, gum and more, it's possible to get help without spending too much cash.
Check first whether your local NHS clinic can help, as they sometimes give patches, chewing gum and inhalers out for free. If the clinic in your area doesn't provide free products, you should be able to get them on prescription from your doctor, which may work out a lot cheaper than buying in the shops. It typically costs £10-12 for a week’s supply, but you should be able to get that for the £7.85 prescription cost in England (it's free elsewhere) and prescriptions can last up to 12 weeks at a time, meaning there’s a good saving to be had. Also shop around, as online pharmacies can also be cheap for buying in bulk.
Up to 3% interest & cashback on bills
The top paying easy access savings account on the market, bizarrely is a bank account. It’s the Santander's 123 which pays 3% on savings between £3,000 and £20,000 - nearly twice the best buy normal savings. It does charge £2 a month, but as it also pays you cashback of up to 3% on bills like phone, broadband and council tax, that’s easily covered.
For those with more savings, there’s a trick as you can actually open two Santander accounts – doubling the amount you get 3% on. You’ll need pay the fee again (but the interest, if you’ve enough, easily covers it). Plus, you need pay £500 a month into each account. The easiest way is from a separate source outside from your other Santander account (ie, from a different bank), so you could just pay from your first Santander account a standing order to elsewhere, then back to Santander account two. It sounds tricky but it isn’t as difficult in practice once set up.
Important note from Martin: Apologies, on air this morning I said you could do the standing order from one Santander account directly to another. That was wrong – I’m afraid I was hit by the curse of doing early morning TV with bleary eyes. Sorry about that.
Martin’s Quick Deals
· 15% off everything at Homebase on Saturday 28 and Sunday 29 September using the code DISCOUNT15 (or its applied automatically in-store).
· £5 off £40 in-store at Aldi until Thursday 3 October with a voucher printed in today’s (Thursday 26 September) Daily Mirror or the Daily Record in Scotland (both 50p).
· 25% off online at Habitat with the code HP25 until midnight tonight (Thursday 26 September). It’s also applied automatically in-store.
· A code for 25% off women’s fashion store Whistles is in this week's Grazia magazine (£2). There’s also a voucher to take in- store until Monday 7 October.
· Last chance: Shift debts with Barclaycard. Until Monday 30 September, accepted new Barclaycard Platinum customers can balance transfer to it and get its market-leading 28 months 0% with a lower 2.99% fee (normally 3.5%). This is the longest 0% deal on the market, but ensure you make minimum repayments or clear it in full before the 0% ends or it jumps to 18.9% representative APR.
For full help and alternatives see Martin’s full best balance transfers guide for more help.