Make your money go fur­ther

Our seven top swaps can help you save hun­dreds this au­tumné

Woman (UK) - - Inside The Issue -

SWAP on­line cash­back For Boom25

Cash­back web­sites can be great at help­ing you re­coup a per­cent­age of what you spend on­line with cer­tain re­tail­ers, but Boom25 gives you the chance to win the en­tire value of your shop. If you buy items via boom25.com and are the 25th per­son in line to pay, the whole value of your shop­ping bag will be re­funded to you via Pay­pal. SAVE Po­ten­tially £1,000s

SWAP Your credit card For the AMEX pre­ferred re­wards gold CARD

Sign up for this charge card and bag 20,000 re­wards points when you spend £2,000 in the first three months. Pay it off in full each month. Also, while join­ing is free for the first year, there’s a £140 fee in the sec­ond year, so re­mem­ber to can­cel it. Earn £100

SWAP A TWO-YEAR Bank loan For the AA Dual Credit CARD

If you need to bor­row money to buy a new sofa, check out the AA Dual Credit Card, which of­fers in­ter­est-free spend­ing for up to 32 months. Meet min­i­mum monthly re­pay­ments to keep the deal, and pay off the bal­ance be­fore the 0% deal ends to avoid big in­ter­est charges. SAVE £100s

SWAP Your Bank Ac­count For the M&s Bank Cur­rent Ac­count

Switch to M&S Bank’s cur­rent ac­count and you’ll get a £125 M&S gift card. you don’t need to pay in a min­i­mum amount, but you can earn an­other £5 gift card each month when you de­posit £1,000 per month, so it could net you up to £185 in vouch­ers. Earn up to £185 in vouch­ers

SWAP Your Bri­tish GAS Ac­count For Avro En­ergy

Bri­tish Gas has an­nounced a whop­ping 12.5% hike in elec­tric­ity prices, while Flow En­ergy has raised its stan­dard tar­iff by 10%. Use a web­site such as the MSE Cheap En­ergy Club to find the best deals, such as Avro En­ergy, which is of­fer­ing a 12-month fixed rate with no exit fees. Re­mem­ber, if you are in the last 49 days of a fixed deal, you don’t have to pay any exit fees if you leave. SAVE £300 per year

SWAP Your debit card For A Monzo CARD AND App

this app-con­trolled card dis­plays what you’re spend­ing your cash on and you can see your trans­ac­tions in real-time, mak­ing it eas­ier to stay on top of your fi­nances. you have to load cash on to it, so it won’t let you get into debt, plus there are no fees to use it abroad. Ap­ply on­line at monzo.com SAVE Po­ten­tially £10s

SWAP Your PEN­NIES jar For the lloyds Bank save the Change SCHEME

Gath­er­ing up your loose change and putting it in a jar is an easy way to save. lloyds Bank has come up with a high-tech way of do­ing the same thing. Cus­tomers can reg­is­ter for its ‘Save the Change’ scheme – when you buy an item with your debit card, the amount is rounded up to the near­est pound and the dif­fer­ence is trans­ferred to your lloyds sav­ings ac­count. SAVE £100s

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