Family & Friends Railcard for £20, get paid £20 to check your credit file, 50% off the Eden Project, cheap Nails Inc varnishes, PPI, tax warnings 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.
See the Useful Links in the top right for more key info.
Web Exclusive: 75% off Christmas decorations at Tesco Direct
With only (ahem) 334 shopping days until Christmas, there’s lots of heat online for the fact that until 30 January, you can get 75% off on certain Christmas decorations in the Tesco Direct sale. Items include a 3ft black Christmas tree for £1.22 (was £4.88), a 6ft frosted pre-lit Christmas tree with 300 warm LED lights for £44.99 (was £179) and a 14-pack of Nordic baubles for £2.49 (were £9.97). Click-and-collect delivery is free or standard delivery's £3 for small items.
Family & Friends Railcard £20 (usually £28)
Until 3 March, enter the code SAVE8 at the Family & Friend Railcard online checkout to get an annual railcard for £20 instead of £28. The card will get you 1/3 off adult fares and 60% off kids’ fares. The only provision is at least one named card holder (there can be two) and one child (aged 5-15) must travel together to get the discount, but up to four adults and four children can use the card and ALL get discounted travel.
With these types of discount, even if you only do one decent-length rail trip a year, it can save you more than the £20 cost.
Get paid £20 to check your free Equifax credit report
Equifax Credit Report offers a 30-day free trial. But until Sunday, if you go through website Topcashback, you can get £20.20 for taking up the trial. After the 30 days is up, it’ll cost a large £8.99 a month, so unless you’re willing to pay that (I think the service a wee bit overblown) ensure you cancel at least 24 hours before the free 30 days is up. To cancel, just call 0844 335 0550 (020 7298 3000, and asking for customer services can also work) and quote your product reference.
When you sign up, a payment card also needs authorising but the £1 fee that's charged is quickly refunded. Remember that cashback is never guaranteed.
- Urgent - Sort tax returns now: If you received a notification last April, you need to file your self-assessment tax form online by 31 January or face a £100 fine. So go to the HMRC website and do yours now! The paper deadline has already passed. To register for the first time online, visit the HMRC website and apply - login details do, however, take up to 10 working days to arrive, meaning it’ll be touch and go whether you get them in time.
- 50% off the Eden Project: Until 15 February, book via the website 365Tickets and you’ll get 50% off gate ticket prices to the Eden Project indoor gardens. This brings adult tickets down from £23.50 to £11.75 and child tickets down from £9.50 to £4.75 (plus card fees).
- Six Nails Inc varnishes £19: From 5pm today until 11.59pm on Friday, or until stock goes, go to the Nails Inc website to get six full-size (10ml) Nails Inc polishes for £15, plus £3.95 delivery. The polishes usually cost £11 each, although some have been in a £5 sale. As it's a lucky dip, you won't know what colours you'll get.
- Reclaim mis-sold PPI now: If you've had a loan or credit card in the past 10 years, act now if you think there’s a chance you were mis-sold your policy. The banks are lobbying the regulator for a reclaiming deadline – I am actively lobbying against this – and while it hasn’t happened yet, for safety’s sake if you’re thinking of reclaiming, do it quick.
You can reclaim for free – don’t use a claims management company, which’ll take a chunk of what you get back – unless you really have to.