Saving/Investments
Ratesetter*
Reasonable good return rate (vs. bank) and flexible if using the rolling market (can withdraw at any time) ~3% interest rate + £100 bonus if you invest £1000 for 1 year. (total return on Y1 ~ 13%).
Note: Capital at risk. No FSCS protection. Instant access not guaranteed.
Nutmeg*
Robo-investing, ISA’s and LISA’s, 3 months free portfolio management when you use the above link.
LISA
Sign-up to a LISA if your buying a house in 12+ months. £1000 bonus for every £4000 you put in (mac £4000 per year). Must be spent on a house (>£450,000) or a pension.
Current Account Switching
MoneySavingExpert has a list of the top offers currently available including £75 at Halifax, £150 Expedia vouchers (Firstdirect) or £185 M&S vouchers (M&S Bank).
Cashback
Quidco*
Cashback for various websites, don’t signup for premium free is fine. Very similar to topcashback but nicer experience. Can compare cashback rates between the two.
IBM Rewards (IBM employees only)
Cinema tickets and discount vouchers, also does cashback (like Quidco). Tesco 6%[1], Sainsubury’s 5% and Vue/Odeon/Cineworld/Showcase from £4+.
TopCashBack*
Similar to Quidco, sometimes you will get a better rate by checking both sites.
Discounts
Meercat Movies and Meals
2-for-1 on Cinema tickets (Tuesday/Wednesday) and meals (Sunday – Thursday) including Prezzo, Pizza Hut, Frankie & Benny’s and Bella Italia. Available to all customers of CompareTheMarket, so the cheapest option is a single day’s travel insurance for just £1-2. Details on MoneySavingExpert above.
Credit Cards
Gold – free for the first year (save £140) and 2000 additional points when hitting spending target (£2000). Usually 25k membership points, so might be worth waiting. Cancel after 1 year and move to a different card to avoid the annual fee.
Platinum cashback card – 5% upto £125 cashback then 1% annual fee of £25.
Head for Points – Credit Card Reviews
Notes
This should not be considered financial advice, please seek professional advice before making any investment decisions or signing up to credit agreements.
*Affiliate links included above, so a smal commission may be paid on signup.
[1] I have been informed you may be able to buy Amazon/Netflix/Spotify/etc vouchers from Tescos using gift cards, I will confirm this myself in the next few days.
Photo by Fabian Blank on Unsplash
