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The Martin Lewis Money Show Season 17 Episode 3
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00:00It's the most wonderful show of the year, festive deals predicting, free cash for banks switching, return rights are here.
00:16It's the most wonderful show, yes, the most wonderful show, oh, the most wonderful show of the year.
00:37Oh, I'm so glad that's over. Play the theme tune!
00:46Thank you so much! Welcome, everybody! It's the big one, our shiny floor Black Friday and Christmas special, all about pocket protection.
00:58Early preparation, not early celebration. I'll be talking how to get up to £400 free to help with Christmas costs just by switching back.
01:07Thank you very much. Woo to you too, sir. Plus, testing whether you really know your shopping return rights.
01:13Then, at the end, it's back. The famous festive forecaster, where I predict the best deals, what will be on.
01:22Now, it was 90% accurate last year, so you can home in on the perfect time and place to buy what you have planned to buy.
01:30And we've space to answer your questions too, to see the sentiment of the nation before the budget, as reflected by this huge Manchester audience. Welcome.
01:40Amazing! Well, thank you. What an intro. What an intro that was. A good evening to our wonderful studio audience.
01:49Wave your wallets, everybody! Wave your wallets, everyone! Wave your wallets!
01:53Now, as always, remember, we want to hear from you. If you've got questions, let us know. Use the hashtag MartinLewisOnX or Threads, or you can email the team on MartinLewisAtITV.com.
02:06If we don't use your questions tonight, we may use it in a future show.
02:10Now, Martin, we have had some very excited people get in touch with you. Loads of people loved the credit scoring last week, but the immediate success is one student loans.
02:18Yes, we've had loads of responses, including this one from Sam. Sam says, I graduated university in May 2024, and I've been paying back my loan ever since.
02:28I didn't realise that you should be repaying it back until April of the following year. I've just got a £125 refund. I've told all my uni friends. Thanks, Martin.
02:37So that's a lovely, simple one. There are four different ways people have overpaid. Over a million people overpaid just last year alone.
02:48Some people are getting back in the thousands of pounds. If you are aged between 20 and 40, and you are paying off your student loan, may I suggest you go to ITVX and watch back the beginning of last week's show,
03:00where I talk through that in detail. It's serious money, and many of you are owed.
03:04OK. Now, Marie was meant to come in tonight, one of our studio audience guests. She was really excited, but then she had to pull out, her husband's feeling a little bit poorly.
03:12But I wanted to ask this on her behalf, a really important question. She says, I'm 67, a pensioner, and like many pensioners, I find the cost of living so high, I need to get a part-time job.
03:21What are the tax implications? Even though my state pension is less than £12,000 a year, would I still be taxed on it, especially with the budget coming?
03:30OK, Marie, I'm so sorry, and I hope your husband is feeling a little bit better and you're watching at home.
03:34Look, let's be clear. The state pension is taxable income and has always been taxable income.
03:43But most people can earn £12,570 a year without paying tax.
03:49The current full new state pension, and you're 67, you'll be on the new state pension, older people will be on the old state pension.
03:55If you get the full amount, it's £11,900. The tax threshold is here.
03:59So if you only get the full state pension, you don't pay any tax.
04:02It's going to go up in April to just below that tax threshold, to about £12,500.
04:07You still won't pay tax if you only get the state pension.
04:10The following year, because the thresholds are frozen, and that freeze, I'm afraid, is likely to be extended for another couple of years,
04:16then it will probably be the first time that someone on the full new state pension will pay tax on that income if they don't earn anything else.
04:22Now, you're asking me about working.
04:25I think the very likelihood is if you're doing any form of work, you're going to go over that personal allowance
04:30and you will pay tax on your total income on the state pension plus your other earnings.
04:35But let's just be really plain.
04:36You don't pay tax on the whole amount.
04:40You only pay tax on the amount above the personal allowance, £12,570.
04:45So let's say your total earnings are £15,000.
04:48That's around £2,500 above the personal allowance.
04:52You'd pay 20% tax on that.
04:5320% of £2,500 is £500.
04:57So for that extra work you do, you earn £2,500 and you take home roughly,
05:02we'll ignore national insurance or whatever for the moment,
05:04you take home roughly £2,000.
05:05The big message, whether you're 67 or you're just leaving school and you're working,
05:10the more you earn, the more you take home.
05:14Yes, tax comes off, but it's never worth not working because of tax
05:18and thinking that I'll earn less because of tax.
05:21You won't.
05:21You'll always earn more the more you get paid.
05:25So if you need more money, you'll have to pay some tax, but at least you'll take home more.
05:29I'm afraid we'll talk more about tax when we get to the special budget programme,
05:32which is a week on Thursday, when I know what's happening.
05:34Yeah.
05:35Well, I hope that helps, Marie.
05:36Now, we've got Lee in the audience.
05:38Lee, where are you?
05:38Lee, good evening.
05:39What's your question for Martin?
05:41Martin, I've been with the same bank since I was 18, since I went to uni, student account.
05:48So they bought your custom very cheaply for 30 years.
05:50They probably gave you a 0% overdraft and they've paid for 30 years of loyal customer
05:54and made loads and tried to cross-sell you loads of other things.
05:56Carry on.
05:57And I'm a big fan of yours.
06:00I listen to all your podcasts and I keep hearing you saying,
06:02oh, you know, you could switch banks and make this amount of money, £250.
06:06And every time I thought, I will, I will, and I've chickened out.
06:10And I just wondered, I know I've heard you say it before,
06:14but does absolutely everything automatically change over?
06:17Not quite.
06:17And I'm going to talk you through it.
06:18So let me first of all tell people what the deals are available.
06:20Then I'm going to come back to you and we're going to see if we can get you past this hurdle in a moment.
06:24So first I'll read them the best deals in my mini big briefing.
06:30OK, there are seven accounts currently willing to pay new switchers money to switch to it.
06:35I have them all listed here.
06:36I'll try and run you through it.
06:37I'm not going to dot every I and cross every T because it would take too long.
06:40We've got the biggest ever deal we've seen at the moment, £400 for free, but only for high earners.
06:44You have to earn over £75,000 or have over £100,000 with Barclays on Barclays Premiere.
06:49It also gives you an Apple TV subscription for free and a 0% overdraft.
06:55Now, just to explain the money by latest, what does this mean?
06:58That means if you do it tomorrow and you fulfil all the criteria, the very latest you would get the money by is that date.
07:04You'll probably get it earlier, but it will be, they're guaranteed by those dates.
07:07As you can see, some are before Christmas, some are after Christmas, but in terms of,
07:11but that's when you're paying off the Christmas debts anyway.
07:14So it doesn't really matter.
07:14The Christmas bills hopefully won't be in debt.
07:16With this one, you need a minimum pay, and that's a way of saying you've got to put normal money in of £4,000.
07:21Let's get on to the ones for more regular people.
07:23The Santander Edge, it gives you £200 for free.
07:27This is my top bill-paying account.
07:29All of these top three give you free £200.
07:31The key to this one, if you're paying bills by it, you get 1% cash back up to £10 a month on the bills you pay by direct debit.
07:40There's a £3 a month fee, but that will normally, the cash back covers a fee and lots more.
07:44It's also got a top debit card for spending abroad.
07:47You need to pay in a one-off £1,500 to get the free cash, and then £500 a month going in afterwards,
07:52which is equivalent to a £6,000 salary going in, so not so much.
07:56Basically, that's a way of forcing you to use it like a real bank account, not a second one.
07:59You've also got another Barclays account there.
08:02Bit complicated, this.
08:03To get the £200, you need to sign up for its blue reward scheme that costs £5 a month,
08:07but gives you £10 Apple TV for it.
08:09But, once you get your £200, that will normally be at the beginning of January,
08:13you could then cancel the £5 a month if you want to.
08:16So you might only pay for it for one or two months if you don't want the Apple TV.
08:19You need £2,000 going in there.
08:21Paid in once, you can always take it out straight away.
08:23You can, in fact, pay four lots of £500 in, if you know what I mean.
08:26You just need to have that paid in.
08:28It's not about taking it out.
08:29You've got Club Lloyds, which is good for perks.
08:31So a year at Disney+, £300, six cinema tickets, a magazine subscription,
08:36a top debit card for spending overseas, a good regular savings account.
08:39Problem with this one, quite high earnings needed.
08:42£2,000 a month needs to go in, so that's £29,000 or more a year.
08:46If you're doing less, you'll pay £5 a month.
08:48It's not for you.
08:50And then £375, so slightly less.
08:53This is top-rated for customer service, 92% great.
08:56Won almost every poll I've ever done over the last decade on customer service.
08:59It's first direct, it's got a 7% linked regular saver.
09:02You can only open it if you've got the current account.
09:05The best 0% overdraft, with the exception of the high earners one at the top,
09:08at £250, and a top debit card for spending.
09:11And you only need to have a grand going in this one.
09:13It's paying a grand within the first 45 days, I believe it is.
09:16And then you qualify.
09:18You need to make five debit card payments as well.
09:20And just, they're also very good nationwide, also good for customer service.
09:23£175 for free and other perks.
09:25NatWest reward, £175 by the 26th of December.
09:29But what I'm going to do, so much information on there.
09:31Get a lock on that screen.
09:32I'll stop talking for one second.
09:34You can do it on live pause at home and you can read it.
09:36You will?
09:37There you go.
09:38There we go.
09:39Carry on.
09:40So, just as interest, which of those, if you were going to do it, is the most appealing to you?
09:45Probably the first direct one.
09:47Because you're nervous and you want the customer service.
09:49Yeah.
09:49I understand.
09:50That makes total sense.
09:51I actually said that I thought you might say that to my own head in a moment ago.
09:55So, here we go.
09:56How does this work?
09:57So, this is the stuff for you, Lee.
10:00First of all, you must use their seven working day switch service.
10:05Now, that in practice takes ten days because it's seven working days.
10:08Who here has switched recently?
10:10Was it easy?
10:11Yes.
10:12Anyone not find it easy?
10:15Okay.
10:15Good start.
10:16Most people who've switched, they found it pretty easy.
10:18What does that do?
10:19It closes your old account for you and automatically moves your money across with the exception if
10:23you're overdrawn when you have to discuss with the old bank how you're going to pay and
10:26cover the overdraft.
10:28Any payments made to that account are forwarded for three years automatically from the old
10:32account.
10:32All your direct debits, all your standing orders are automatically moved for you.
10:37Often, actually, it's a condition of getting the switch that you need to have two or more
10:40direct debits moving across, and you must pass a not-too-harsh credit check to do it.
10:45Do always check the eligibility criteria.
10:47I'm not going through in full detail because I haven't got the time.
10:50The one thing that doesn't happen, this is what you asked.
10:53Now, there's a payment called a recurring payment, which some subscriptions are by.
10:57This is why you don't give your bank account number and sort code.
11:01You give the long number on your debit card to make a payment.
11:05It's a very different type of transaction.
11:07You're effectively giving that firm permission to take money each month, but you don't have
11:11the direct debit rules.
11:13So, two common ones, Netflix and Disney Plus subscriptions.
11:18But the truth is, if you forgot to tell them and manually change your card over, all that
11:22will happen is you'll get a message saying, your payment card is now invalid.
11:26Please add a new one.
11:27That's it.
11:28That's your biggest risk, I would think.
11:30I mean, obviously, look, in one and whatever cases, something will go wrong.
11:33But it's not that difficult.
11:35Where are we?
11:36What's still worrying you?
11:37Just that I've got lots of people on my saved, like, payments for my sons and things like
11:43that.
11:43So, if they need money, I can just whiz it over.
11:46All of those, like my saved contacts and things like that, would they still be there?
11:51I've got 15 in my bank account.
11:53If I gave you 200 quid, would you move mine over for me?
11:55Would you?
12:01That's all it is.
12:02It's a payment.
12:03That's all you're saying.
12:04Look, I'm not saying there isn't some admin.
12:06You just take a grab, write them all down beforehand.
12:08You know you're doing it in advance.
12:09Move them across.
12:10I'm not telling anybody to do this.
12:12But if you want the free cash, you want to take advantage, it's a cost-benefit equation.
12:17You've told me the cost.
12:18I'm telling you the benefit.
12:19You have to decide if it's worth it for you.
12:20A couple of other things.
12:21All the banks mentioned, except Barclays, let you switch joint accounts as well.
12:26Though a joint account, of course, only gets you one lot of cash.
12:29Who here is thinking on the back of that about switching?
12:31Might do.
12:32Yeah, quite a few in there.
12:34And some of you might be really happy with your existing bank account.
12:35You are.
12:36Oh, yay!
12:38Well done, Lee.
12:39Thank you very much.
12:41Is that your partner next to you?
12:43Has he switched bank accounts?
12:45He's had the same since he was 18 as well.
12:47Well, you know what?
12:48That's 400 quid then, isn't it?
12:50If you both switch your accounts.
12:51It's lovely.
12:52Do that.
12:52Great stuff.
12:52Right.
12:53I have found Paul in the audience here.
12:55Paul, you got a question for Martin?
12:56I have, yes.
12:59Is there the possibility, if you switch accounts too often, of getting on some sort of blacklist
13:05or, you know, the banks don't like you anymore?
13:08There's no such thing as a blacklist.
13:10And there are people out there who's made well over £1,000 from switching multiple accounts
13:13and they use a thing called a mule account, which you set up a dummy account just to port.
13:17You need a spreadsheet to make sure you're doing it right, but whatever.
13:19And there'll be, anyone in here in that situation?
13:22Yes.
13:22How much have you made?
13:23Shout it out.
13:24Over £1,000.
13:25And you, sir?
13:26Yeah, over £1,000.
13:27Two people have made over, see what I mean?
13:29Over £1,000, Lee.
13:30Over £1,000.
13:32Okay.
13:32So, but there are two things you need to be wary of.
13:35The first of all is if you were to do lots in a short space of time, it would impact your
13:40credit worthiness.
13:41So I would not be doing a bank switch in the run-up to getting a mortgage or another important
13:45debt application like a balance transfer credit card.
13:48The second thing is once you've been paid, many of them now say you can only get one bank
13:52switch bonus from us, so you won't be able to do it again, so you'll run out.
13:55But there isn't such a thing as a blacklist, but do a lot in the short space of time, it
13:59would impact your credit worthiness.
14:00Brilliant stuff.
14:01Right, I'm on the move.
14:02I'm on the move back.
14:03This dress is so heavy.
14:04She used to be a hundred-metre splinter.
14:07Not in those hills.
14:07There she is.
14:07I'm going to walk round this way.
14:09I'm going to come here.
14:10But Belinda, you've also got a question for Martin, have you?
14:12What's the question?
14:12Yeah.
14:13So if I was going to remortgage middle of next year for upsizing, what is the latest
14:22that I could look to do one of the bank switches?
14:27Now.
14:28I would do it now.
14:29Look, the truth is, I think you'd probably be fine if you did it three months before,
14:32but because a mortgage is so important, 200 quid is not worth messing it up for, I would
14:37give yourself six months before, which for the middle of next year is basically now.
14:40So, and you may as well get the money before Christmas.
14:42I probably wouldn't do it before that, because don't do anything to mess up getting a cheap
14:47mortgage.
14:47That's the biggest financial decision you can make in the credit sphere.
14:50So that's the most important.
14:51Cool.
14:52Awesome.
14:53Got a question that's coming from Steve for you.
14:55Have a look at this.
14:56Now, with only £85,000 of your money being protected by banks, should I look at splitting
15:01my current ISA into different accounts of £85,000, even if the interest rates aren't
15:06as good?
15:07Very well-timed question.
15:08Anyone heard the news on that today?
15:09Yeah.
15:10Yeah.
15:10It's a few nods out there.
15:10So they've just announced from the 1st of December, the financial services compensation
15:14scheme saving safety limit will be increased from £85,000 per person per financial institution
15:20to £120,000 per person per financial institution.
15:24So actually, Steve, the answer would have been yes, but it's probably now no, because from
15:28the 1st of December, you'll be protected up to £120,000.
15:31The other thing that people never talk about is actually a life event rule.
15:35So you get a temporary protection of up to six months for life events, inheritance, selling
15:41your house if you were moving house.
15:44And that is currently a million pounds in one account for up to six months.
15:48That is going up to £1.4 million for up to six months from the 1st of December.
15:54So, Steve, you're probably fine.
15:56He's all right.
15:56OK, brilliant stuff.
15:57Thank you, Martin.
15:58Well, coming up next, how well do you know your return rights?
16:01Can you walk into the store and stand tall and say, this isn't right?
16:05Martin's going to put us to the test after the break.
16:07We'll see you, RuPaul.
16:08Welcome back.
16:22Hello, everyone.
16:23We're in our Black Friday and pre-Christmas special.
16:26What are people saying out there, Jeanette?
16:27Well, a lot of people, first of all, excited that you're back in Manchester, but look at
16:30what Karen's saying.
16:32Karen is saying, what a way to start the show.
16:36I mean, they like just singing.
16:37I mean, love's gone, right?
16:39The likes to sing.
16:41There is no accounting for taste.
16:45You did a great job.
16:46I know you're wanting to play a bit of a game with us tonight.
16:48I do.
16:48So, we're going to be talking about consumer rights and return rights in a moment.
16:51And this stems from the fact that I have often been into stores and have seen someone having
16:55an argument with the shop assistant.
16:57And then, because of what I do, they see me and they go, right, you're for it now.
17:01Martin, Martin, over here, over here.
17:03And I have to go over and they say, listen, you tell them.
17:07And I often go, actually, the shop's right.
17:10And they don't like me very much.
17:11So, we're going to find out how much you and you at home know about your return rights.
17:17Very important in this high-spend Christmas shopping period.
17:19So, let's play...
17:22..consumer rights or wrongs.
17:30Question number one.
17:31You've been out shopping and bought a lovely, pink, fluffy jumpsuit you think makes you
17:39look the bee's knees, don't you, sir?
17:41There we are.
17:43You get it home, your partner takes one look at it and shakes their head.
17:47You slink back to the store to return it and the shop assistant says,
17:51I'm sorry, we'll only let you return it if you have a receipt.
17:57So, is that a legal consumer right or a consumer wrong?
18:05Is that right or wrong?
18:07Hands up if you think the shop is correct and it is right.
18:10And hands up if you think the shop is incorrect and it is wrong.
18:18So, that was about 60% think it's right, 40% think it's wrong.
18:22And the correct answer is...
18:25..it's right.
18:27Now, there's a reason for the confusion.
18:31If the item had been faulty, which it wasn't,
18:35in-store, you do not need a receipt any form of proof of purchase would have done,
18:41including a credit card statement or something else.
18:43But the item wasn't faulty.
18:45In which case, you have absolutely no legal right to take it back.
18:52Incredibly important you understand that.
18:54No legal rights to return non-faulty items in-store.
18:57So, if they say you need a receipt, well, you need a receipt
18:59because they're being generous just to allow you to return it when it isn't faulty.
19:04Online, you do have a no-fault right of return.
19:08Big difference between buying in-store and online.
19:11If you're buying this Christmas, check their return rights,
19:14the shop's return rights, to see if you can return non-faulty items.
19:17They don't have to let you do it.
19:19Question number two.
19:21You buy a state-of-the-art Jeanette Quachy action figure, everybody.
19:29It's a great gift.
19:30Great gift.
19:30From a reputable but extremely niche store.
19:35They say it can run 100 centimetres in 11.14 seconds.
19:39You get it home, but sadly, it's faulty.
19:42It's got a Jonathan Edwards mechanism by mistake
19:44and can only hop, skip and jump.
19:47Returning it to the store.
19:49They say, sorry, as it's a specialised piece of equipment,
19:54you'll need to take it to the manufacturer.
19:57Is that a legal consumer right or a consumer wrong?
20:05Is it right or wrong?
20:06Who thinks it's right?
20:08A few.
20:11Who thinks it's wrong?
20:13The vast majority of you.
20:15And the correct answer is...
20:18It's wrong.
20:19Well done to most of you.
20:21Excellent.
20:22Let me be very plain.
20:26If you have a faulty item, whether you bought it in-store or online,
20:29your rights are always with the retailer.
20:32Whomever you purchased it from,
20:34that is where your legal consumer rights are.
20:36That is your priority place to take it back.
20:39Well done.
20:39I'm pleased to see most of you got it right.
20:42As for the couple of you up there.
20:43Question number three.
20:47You order a life-size cardboard cutout of, well, me.
20:52For a friend.
20:56The gift that keeps on giving, everybody.
20:59You've ordered it for a friend at Christmas,
21:01knowing that they will be blown away by it
21:04if it isn't blown away first.
21:06Days later, when it's time to wrap it,
21:08you realise you've agreed a no unnecessary present pact
21:13with them, we'll be talking more about later,
21:15so you can't send it.
21:16You go online to return it,
21:17but the website says you must return it within 14 days,
21:20which is today, so you can't.
21:24Is that a legal consumer right or wrong?
21:30Is it right or wrong?
21:31Who thinks that's right?
21:35OK.
21:35Quite a lot of you.
21:36Who thinks it's wrong?
21:38So 40% think it's right, 60% think it's wrong.
21:42The correct answer is...
21:45It's wrong.
21:48So...
21:49Now, you need to listen carefully on this,
21:54because you listen to me,
21:55not what you're going to read out there.
21:57When you buy something online
21:59under the Consumer Contract Regulations,
22:01you have up to 14 days to notify them
22:05that you're returning it,
22:06and up to 14 days after notification to return it.
22:10So a maximum 28 days,
22:12but if you notify them after two days,
22:13it's 16 days, you understand.
22:15Now, in July,
22:16my team and I investigated 400 retailer sites.
22:1930 of them incorrectly said
22:22your rights were not as strong as they actually are.
22:25We contacted them.
22:2624 have since corrected their websites,
22:29including Selfridges,
22:30Big Firms, Home Bargains,
22:31and The Range.
22:32Two are no longer trading.
22:34Of the other four...
22:36Well...
22:37I'm going to.
22:39Of the other four,
22:41we contacted today
22:42to give a right of reply,
22:44as you do on the television.
22:45Two of them...
22:46Freeman's has already corrected its website
22:48on the back of me saying this now.
22:50Jules says it will correct its website.
22:53And Evans and the other one,
22:55which I'd put on there
22:56and some just scrolled,
22:57Carluccio's, that was it.
22:59Evans and Carluccio's,
23:00you are wrong.
23:01Your websites are misleading.
23:03Change them, please.
23:04I have reported you to trading standards.
23:07Right.
23:09July is too long.
23:11So...
23:11There is one exception to these rules.
23:14If an item is personalised or perishable,
23:17you do not have the 14-day right of return.
23:19I mean, you can't buy an apple
23:20and take it day 14 days later
23:21saying it's faulty.
23:22It just doesn't work.
23:23It doesn't work that simple way.
23:24You did very well.
23:25Who got three out of three?
23:26Oh, a round of applause for those people.
23:28And I hope you did at home as well.
23:31Now, I've heard a question in from Stu.
23:33I think you've covered it in this.
23:35And I think you might have got this wrong.
23:36Have a look.
23:37I bought a faulty air fryer in May,
23:39which the manufacturer agreed needs sorting.
23:42It's out of stock.
23:43And under warranty,
23:44they said they can only replace and not refund.
23:46What can I do?
23:47Well, yeah, I mean, you're right.
23:48This is why I always say warranty, schmarranty,
23:50because the warranty is a secondary gift
23:52given by a manufacturer
23:53to give you extra protection.
23:54Your legal rights are with the retailer.
23:55When you go to the retailer,
23:57you have actual consumer rights.
23:58They would need to give you either a partial refund,
24:00taking it back after that period,
24:01or repair or replacement.
24:04I would go to the retailer now
24:05and ask them what they're going to do.
24:07Warranty is a contractual right with a retailer.
24:09It's a statutory,
24:10a law,
24:11a statute from parliament right
24:13that you have with them.
24:14But I think it's worth working out what faulty is.
24:16Does anyone know my mnemonic for faulty?
24:21Who said it?
24:23Sad fart, did you shout?
24:25Well done.
24:26I am.
24:26Sad fart.
24:27This is what I want you to remember.
24:29I came up with this 20 years ago.
24:30It still gives.
24:32What counts as faulty
24:33if an item isn't of satisfactory quality,
24:37as described,
24:39fit for purpose,
24:40I cheated here,
24:41and last a reasonable length of time.
24:43Now, everybody understands most of that.
24:45The one they don't understand
24:46is reasonable length of time.
24:47So let...
24:47Normally, you'd want a jury.
24:49I've got a jury of 300 people.
24:50It's absolutely perfect.
24:51Let's decide what is reasonable or not.
24:54I bought a 10p plastic whistle
24:56seven months ago.
24:58The P in it has just broken.
25:00Did it last a reasonable length of time?
25:03Yes.
25:03I bought a £2,500 LED television.
25:07It's stopped working.
25:08I haven't mistreated it.
25:10I bought it seven months ago.
25:12It's just stopped working.
25:12Did it last a reasonable length of time?
25:14No.
25:15There is your definition of reasonable.
25:16Take a group of reasonable people,
25:17or reasonable-ish people,
25:19and see what is reasonable.
25:20And that's how a court would decide,
25:21and that's how you know.
25:22So make your own decision.
25:23Which is why, by the way,
25:24when you buy a mobile phone,
25:26and they say,
25:26I'm sorry, it's out of warranty.
25:27It's more than a year old.
25:28We can't do anything.
25:29No!
25:29Statutory rights.
25:30I've just paid a grand for this mobile phone.
25:32I haven't done anything wrong with it.
25:33It's not working.
25:34Retailer, you're going to fix it.
25:35No, take it to the manufacturer.
25:37I'm Apple.
25:37It doesn't matter that you're Apple.
25:38You're both the retailer and the manufacturer.
25:40I'm not asking about the warranty.
25:41You're the retailer.
25:42I'm on it fixed.
25:42Same with other stores.
25:44So, warranty?
25:46Warranty!
25:46Love you.
25:48We've got Alison.
25:50Alison, where are you?
25:50Alison in the audience.
25:51You've got a question for Martin, haven't you?
25:52Yeah, I have.
25:53Where's your question?
25:54Hello, Martin.
25:54Hello.
25:55Hi.
25:56If I bought a gift...
25:57Sorry, what are my rights?
25:58If I bought a gift in November and it turns out that it's faulty after the Christmas holidays...
26:04Tricky.
26:05And this is a problem with gifts.
26:07It's where I'm going next.
26:08So, stay with me.
26:08Let's move on to my next page, if I may.
26:10So, a few more things you need to know.
26:12If an item's faulty, you return it within 30 days.
26:14You get a full refund.
26:15After 30 days, the law says you get a repair, partial refund and replacement.
26:19As I mentioned earlier, if a store has its own published returns policy, that is, you're contractually binding.
26:25But do be careful, during this sales period coming up, some firms get rid of their normal returns policy.
26:30So, you need to check when you're going in the sales period.
26:32Don't go in and think, I can return this.
26:34Don't make that assumption.
26:36With gifts.
26:37First of all, very technical, very rarely used.
26:39But actually, only you can return it, not the person you give it to.
26:43A gift receipt tends to transfer that right.
26:45If you don't get a gift receipt, you could try writing on the receipt that you give them that, you know, this is a gift for someone.
26:51Apparently, evidentially, that could help.
26:53But you need to think carefully about timing.
26:55First of all, 30-day rules for faulty.
26:57If you took it back after two months, repair, partial refund and replacement.
27:02Minimum legal requirement.
27:03The store might give you a refund.
27:05But minimum legal requirement, they don't have to give you a full refund.
27:07And also, remember, if they don't like it and you just want to return it online when it isn't faulty,
27:12if you miss the 14-day notification period.
27:14And so this is quite interesting at the moment.
27:17Many people shop early for Christmas because it saves money.
27:20My suggestion, you might not like this, I would open it and check it works.
27:24You know, and so if loads of you get opened Christmas presents this year, just blame me.
27:29It is the sensible thing to do.
27:30It's a difficult conundrum, isn't it?
27:32It's a difficult one to do.
27:33So that's where it goes.
27:34At final, I always do this warning every year, gift cards or vouchers may not be worth the e-paper they're written on.
27:39Always check if they have an expiry date.
27:41Most gift cards and vouchers date after either one year or two years if they're not used.
27:45And also, think about the company's strength.
27:48Make sure you're only doing gift cards for really big, solid companies because if they go bust, those vouchers are often worthless.
27:55And I've seen it happen too many times.
27:57You won't like this.
27:59Cash is the best voucher out there.
28:01Okay, great stuff.
28:02Thank you very much, Martin.
28:03Coming up next, we will be taking questions from you at home and of course from our live studio audience.
28:08And still to come, the big festive forecaster.
28:12We'll see you after this.
28:13Welcome back to our Christmas special.
28:31Now, Martin, someone is requesting for the cardboard cutout.
28:36They are asking, they've tweeted, they've said, can the cardboard cutout, can I have it from the show?
28:40Hashtag free Xmas gift.
28:42I don't know where it is.
28:42I think, you know, a donation to charity and you can have it.
28:45That would be fine.
28:46I'll let a charity of their choice, but they make a donation to charity, they can have it.
28:49Okay, fair enough then.
28:49That's great stuff.
28:50We've got someone in our audience as well.
28:52Kimberley, she wants to ask you a question.
28:53Evening, Kimberley.
28:54Hello, Kimberley.
28:54Hi, Martin.
28:56As you know, Manchester has got fantastic Christmas markets.
28:59But my question to you was, I'm always a little bit wary of buying anything expensive in case,
29:06not only if you want to return it, but if it breaks and you go back and the shop is easy,
29:12they're no longer there, the stall or the pop-up shop is gone, what are our consumer rights?
29:19Well, you have exactly the same consumer rights in those stores as you do anywhere else.
29:22The question is, how do you execute your rights?
29:24That's the difficulty.
29:25So the first thing I would do if I were buying there, if I were buying an expensive item,
29:28if it's 10 quid, it's 10 quid, you know.
29:30But if you're buying an expensive item, which is the key concern, I would always get the
29:34trader's contact details when you're buying it so that you have a legitimate right to buy it.
29:38But the second thing I do is think about my payment method.
29:41Cash has no protection.
29:43Right.
29:43Right.
29:43Bank transfer has no protection.
29:46Debit card or credit cards under £100 have a decent protection called chargeback,
29:52but the strongest protection is a credit card for an item costing over £100.
29:57It's literally £100 and a penny or more, up to £30,000.
30:01If you buy that, you have what's called Section 75 of the Consumer Credit Act rights,
30:06which means the card company is jointly liable with the retailer.
30:09So if it were broken and you couldn't get in touch with the retailer,
30:11in fact, even if you could get in touch with the retailer,
30:13you can go to the credit card company and say, hey, it's faulty, sad fart rules,
30:17I want you to fix it.
30:18And they are liable to fix it.
30:20Of course, if you're putting it on a credit card, you should make sure you pay it off.
30:24Paying for it.
30:25Saving my voice for the festive forecaster so I won't do it at the end of every month.
30:28So that's your strongest protection.
30:29So twofold, make sure you know who you're buying from and you've got the contact details
30:33and then think about the way that you pay to make sure you're best protected.
30:36Does that help?
30:37Yeah.
30:37So what would you just like, take a photograph of the stall?
30:40Just say, I mean, I would be absolutely like, hey,
30:42I know you're only here temporarily just to say something goes wrong.
30:44How do I contact you if there's a faulty guy to them?
30:46Let's just be up front.
30:48Listen, hopefully they've got a license from the council.
30:50They're a legitimate good retailer.
30:52We shouldn't assume there's anything wrong with them.
30:54You just need to make sure you know how to contact them in case there's a problem.
30:56OK, thanks.
30:58Well, now it's time for one of our festive traditions here on the show.
31:04Yes, indeed.
31:05Now, each year when we do this Black Friday and Christmas special,
31:09we normally play my traditional film about the dangers of obligatory gift giving
31:14because it is a zero-sum game that can put unnecessary pressure on the recipient.
31:21So, for example, if I give to you, sir, what do you feel you need to do?
31:25Give you one back.
31:25Exactly.
31:26There we go.
31:27So think about it.
31:28We both spent, well, let's say £50.
31:30So, in effect, you've now spent your money on what I chose for you,
31:36which, if you were struggling, may not have been what you wanted to spend £50 on
31:41and may have misprioritised your finances.
31:44Here's just a clip of that film, though you can watch the whole thing.
31:49I'm putting it on my social medias right now.
31:51Boop.
31:53It is time for us to get off this gift-giving treadmill.
31:59Now, I think sometimes the best gift is releasing others from the obligation
32:04of having to give to you.
32:07Let's work together to ban unnecessary Christmas presents.
32:12Not for...
32:12APPLAUSE
32:13Not for your spouse, not for smiling children under the tree,
32:24but that ever-expanding list of friends and cousins and teachers
32:28that we feel forced to buy.
32:31Do right now, if you're watching, use me as your excuse.
32:34Agree to make a prenup, a pre-Christmas no unnecessary present, Pat.
32:40Or at least do a secret Santa and capital to fiver or tenor.
32:44Or even better, say, you know what?
32:46I'm not going to give that extended lift gifts.
32:49I'm going to give to charity instead.
32:50APPLAUSE
32:51So that was back in 2018.
32:58I know many people have done it.
33:00Less pressure, less cost, less debt, and I hope more joy.
33:05And the reaction that we have seen ever since,
33:08with so many people getting in touch,
33:10says that while you might feel embarrassed to raise it,
33:14most other people feel the same way and will feel relieved if you do.
33:17Anybody in here done it?
33:19Yes.
33:20If you've done it, hopefully we can get a mic to you to hear.
33:23Was it easy?
33:24How did your friends react?
33:26Well, we do a secret Santa instead.
33:28So, like, every year there's five of us and we just spend £50
33:32and we do it randomly on an app.
33:35And it takes the pressure off, doesn't it?
33:36Yeah, yeah.
33:37Christmas is meant to be a joyous time.
33:39It's not meant to put you into debt
33:40and it's not meant to put pressure on your friends
33:42and it's not meant to leave you stressed
33:43because I've got to buy for all these people
33:45and what do I do if I don't?
33:46Let's just all chill.
33:47Yeah.
33:48OK.
33:49Awesome.
33:50We've got some more audience questions from you.
33:52Sure.
33:53We've got Harry over here.
33:54Harry, what's your question for Martin?
33:56I'm 18 and everything feels really expensive at the moment.
34:00But with Black Friday sort of around the corner,
34:02I'm getting a lot of emails with, like, you know,
34:04claiming the best deals ever
34:05and now's the time to sort of buy things.
34:08But are these deals, like, really true
34:10or are they too good to be believed?
34:12So, first of all,
34:14you shouldn't be pressured into buying stuff
34:15that you weren't planning to buy.
34:16It's always about having a list.
34:17The best time to buy is the January sales.
34:21But that's after Christmas.
34:22So, if we look at when is generally the best time to buy
34:25between now and Christmas,
34:27what about Black Friday versus those early Christmas sales
34:30that we start to see?
34:31Well, we've been doing research on this for the past few years.
34:34About 70% of the time,
34:36Black Friday is cheaper than early Christmas.
34:38About 10% of the time,
34:40early Christmas is cheaper than Black Friday.
34:41The others is roughly the same.
34:42So, if you are going to buy something
34:44and you need it before Christmas,
34:46by the way, you could always do later after Christmas,
34:48you know, do an IOU
34:49and put them that in their Christmas.
34:50They'll love it.
34:51I'll give it back in January.
34:52Then you'd be better to do it
34:54at Black Friday.
34:56But there is something I do want to say.
34:58This is my memo I do every year.
35:00My annual Black Friday shopping memo,
35:01especially with the festive forecaster coming up.
35:03If you were going to buy it anyway
35:04and it's half price,
35:05you've saved 50%.
35:06Hurrah!
35:07If you weren't going to buy it,
35:10but do because it's half price,
35:11you've wasted 100%.
35:12Boo.
35:14You know what I mean, Harry?
35:15Yeah.
35:15Sorry, you're too young to know that,
35:16but I enjoy saying it.
35:19I hope that helps, Harry.
35:20Now, after the break,
35:21Martin's famous festive forecaster.
35:24Woo!
35:24Woo!
35:24Sam, get your pens and your paper ready
35:28for predictions of the best festive deal.
35:30So, slay...
35:31Sorry, I mean, stay right here.
35:33Woo!
35:33Woo!
35:46OK, Martin, it's time for the festive forecast of 2025.
35:50How well did you do your predictions last year?
35:52So, 90% roughly accurate.
35:53That means right,
35:54but maybe a day or two out here
35:56or the percentage is slightly wrong.
35:57So, I can't promise this will be right,
35:59but hopefully you'll be able to home in
36:00on what you need to buy.
36:02Don't let your impulses get carried away with you.
36:04Are you ready?
36:04No.
36:05Let's go.
36:05OK.
36:06Come on.
36:06Let's do the festive forecaster.
36:08OK, we're going to start with Grey Friday.
36:10These are all things that are on right now
36:13in the pre-run up to Black Friday.
36:14So, these are all one-off items
36:17which tend to be pretty good on the one-offs.
36:19AO.com and August,
36:20actually, the two things I mentioned,
36:21they have now been price-matched by others.
36:22B&M is pretty good.
36:25You'll see the dates there.
36:26So, that air fryer,
36:27it's only got about 60 items,
36:28but the ones it's got tend to be pretty cheap.
36:3079 quid is a decent deal.
36:31We haven't seen that cheaper anywhere else.
36:33B&Q's got deals.
36:34Boots.
36:34Now, quite a few of its fragrances
36:36have been price-matched elsewhere,
36:37but that Marc Jacobs fragrance,
36:39that is cheaper than we've seen
36:40absolutely anywhere else.
36:42Curry's, I need to point out for you,
36:43because Curry's is price-matching other stores,
36:45but it also gives you
36:46free up to three months Apple Music,
36:48costing you £11 a month
36:49on most selected tech items.
36:52So, you could take a price you've got elsewhere.
36:54If Curry's is more expensive,
36:55you get it to price-matched.
36:56Then, you get the Apple Music.
36:58If you're new to Apple Music,
36:58you get three months.
36:59If you're returning to Apple Music,
37:00you get two months.
37:01If you're an existing Apple Music customer,
37:02you don't get any months.
37:04Dyson is £200 off.
37:05It was £150 last year,
37:06but the prices tend to have gone up a bit,
37:07so it sort of will balance each other out.
37:09Halford's good off you doing your car stuff.
37:11John Lewis, a bit like Curry's.
37:12Here, by the way,
37:13is GHD, those Max straighteners.
37:15I've not seen them anywhere cheaper either,
37:16at £154.
37:17I've just picked a few deals out for you.
37:19This also price matches,
37:20but it gives you a two-to-five-year warranty.
37:22So, that's on top of your consumer rights.
37:24If you're buying electricals,
37:25that can be useful.
37:25So, find the cheapest price,
37:27take it to John Lewis,
37:28buy it there,
37:29and it should price match,
37:30and you get the warranty.
37:31That Shark is the cheapest deal we've seen.
37:33That's giving some quite good discounts.
37:34And Tesco, if you're buying toys,
37:35has got a three-for-two on toys by a club card.
37:37Hopefully, you'll see all that.
37:38Let's move on to the up-to sales.
37:40Now, I need to explain what this is.
37:42This is my discount deep dive.
37:44We've taken 10 random items in the sale,
37:46checked what the actual discount is,
37:48and given you the average there.
37:50The Max is the highest individual item discount
37:52of the 10 that we saw,
37:53and then you'll see the official discounts
37:56that they're listing.
37:57The Debenhams is pretty hot on the items
38:00that are being discounted if you want it.
38:02Other ones I'd pick out,
38:03you can look down the list yourself.
38:04I haven't got time to go through them all.
38:05Laradute, really interesting there.
38:07It's a department store,
38:08sells lots of brands,
38:08like your Levi jeans.
38:09So, if you can't find a discount
38:10at the store that you want,
38:11try on Laradute,
38:13which is an average of 40% off,
38:14and you might find it there at the moment,
38:16and it's up to 50%.
38:17All items are discounted there.
38:19Other ones I'd pick out,
38:20the entertainers for toys,
38:21it's pretty good.
38:22Matalan.
38:23Currently, it's 25% off
38:26selected men's and women's items.
38:27My guess is,
38:29on Black Friday,
38:30they will discount a lot more stuff,
38:31possibly everything in store.
38:33So, you might want to hold
38:34if you're buying Matalan stuff.
38:36M&S, the reason I say it's fixed discounts,
38:38there's different sections in the store,
38:39like homeware is 40% off,
38:41and it's a fixed discount
38:41that's going on in there.
38:42So, those are all happening at the moment.
38:45All are confirmed.
38:46They are all on right now.
38:47We move on
38:48to what I'm calling Black Friday deals,
38:50which is basically predicted deals.
38:51A couple of these are confirmed.
38:52So, we'll go one-off items,
38:54Amazon, Lightning and Daily Deals.
38:56It's starting on Thursday.
38:57This is really good for Amazon's own devices.
39:00So, the Ring doorbell,
39:02£50, normally £130.
39:04That's very cheap
39:05if you want those particular items.
39:07Apple, very rare to get discounts on Apple.
39:10So, what it does is it gives gift cards on top.
39:11It doesn't reduce the price to get a gift card.
39:14Now, I need to explain what the stars mean.
39:16That means it isn't confirmed.
39:18We don't know.
39:18That is the number of previous years it's done it,
39:21and that's how I do my predictions at that time.
39:23So, nine years in a row,
39:24it's given the gift card.
39:25Last year, an iPad Air got a £60 card.
39:27So, if you're going to buy Apple,
39:28it is effectively cheaper
39:29because you get the gift card to spend there
39:30as long as you want something on Apple.
39:31eBay, good for refurbs,
39:35but also 20% off its outlets,
39:37which are lots of different stores.
39:38Outlets are on eBay,
39:39and it's giving 20% off.
39:40But the refurbs, like Dyson and Ninja,
39:43are manufacturer refurbs
39:45with a one-year warranty.
39:46Already cheap,
39:47but I'm guessing they might be 40% off Dyson,
39:5025% off Ninja.
39:51Remember, these are predictions.
39:52I do not know it's going to happen.
39:53Now, we get to some up-to sales.
39:55So, the discount deep dive again,
39:56but these are predicted based on last year's.
39:58I don't have this year's
39:59because we don't know that it's happening.
40:01ASOS, 70% off.
40:02Now, currently on its app,
40:03it's giving a 25% off.
40:06My suspicion is it's going to get bigger
40:08once you get just before the start
40:10on the Thursday of Black Friday.
40:12Denelm is good, too.
40:13Two clothing is 25% off most items,
40:15so that's a pretty good one.
40:16That's very likely to happen.
40:17That's been happening for nine years.
40:18I'm pretty sure that won't happen again.
40:20Then we get to flat discounts.
40:21This is good because you know
40:22if there's something in that store you want to buy.
40:24So, this is where, Harry,
40:25you're asking, is it good?
40:26But if there's something in these stores
40:27that you want to buy,
40:28you're going to get a discount on it.
40:31Amazon Resell used to be known as Amazon Warehouse.
40:34This is where people have returned stuff
40:35generally in good condition,
40:36and it resells them
40:37generally with a one-year manufacturer warranty.
40:39Already cheap.
40:4020% to 30% off is my prediction.
40:42Now, right now it's 15% off.
40:44My guess is on Thursday when it starts,
40:47it's lightning deals.
40:48It's going to increase the reduction to 20% to 30%.
40:50So, I'd probably hold until Thursday
40:52if you were going to be buying that.
40:53Disney Store giving me exclusive confirmation.
40:55That is definitely happening.
40:5630% off hundreds of full-priced items
40:58on the Monday for email subscribers,
41:01on the Wednesday to everybody.
41:02French Connection, really good there
41:04if it does happen again.
41:05Happened the last 10 years because it's flat.
41:06If you're buying off French Connection,
41:0730% off everything.
41:08So, what you want will be discounted
41:09as long as they have it in store.
41:11Right.
41:12We have to go.
41:13Gap.
41:15Gap used to be much bigger.
41:1650% off on Gap,
41:17off hundreds of items.
41:18I think it's going to be less this year.
41:1920% off,
41:19but still, if you're buying there,
41:20it's good.
41:21H&M,
41:2120% off everything is my prediction,
41:24but on the Black Friday weekend,
41:26they may increase it.
41:27So, you have a choice.
41:28You can either go early
41:29and you get the 20% off everything,
41:31but there's a chance
41:31if you hold on
41:32and there's still stock,
41:32you may be able to buy it cheaper
41:33once we get there.
41:34Let us move on.
41:36I've got four and a half minutes left.
41:38Okay.
41:39Booze and Veg.
41:39Right now,
41:40Asda Morrison Sainsbury's,
41:42buy 25% off six bottles
41:43of wine and fizz and multiples.
41:44So, six or 12 or 18
41:46or 24 or 30.
41:47I don't need to do the times table
41:48and carry on.
41:49You can see that's happening right now
41:50if you're going to buy your fizz.
41:51Battle of the Baileys
41:52has gone up to £11,
41:53not £12 this year.
41:54Costco, Sainsbury's,
41:55Tesco, Morrison's
41:56has already gone
41:57all on right now
41:58if you need your Baileys.
41:59Now,
42:00I need my baton.
42:02So,
42:02Christmas Veg.
42:04Lots of these are discounted
42:05between 8 and 15p.
42:06It starts on the 17th of December,
42:08the week before Christmas.
42:09It's a battle,
42:09a lost leader
42:10that the supermarkets have.
42:11So, if you're buying
42:11your Christmas Veg
42:12with all of those stores
42:13between 8 and 15p,
42:14you probably want to wait
42:15until then.
42:17That's good.
42:18Moving on.
42:18I shouldn't have bitten that.
42:19I'm going to have to talk with it.
42:21Now,
42:22beauty.
42:24Boots number seven.
42:25This is its star gift,
42:25the one people go for.
42:27It's the ultimate
42:27skincare collection set.
42:28It's already discounted online,
42:29£39.
42:30This is happening right now.
42:31It was £85.
42:32It says it's got
42:33£135 worth of stuff in,
42:34but we've calculated
42:35based on the Black Friday prices,
42:36the same stuff,
42:37still around 90 quid.
42:38The key to all these deals,
42:40buy them,
42:40break them up,
42:41give them as gifts.
42:42Lots of stuff in there.
42:43I really need to spit
42:44this carrot out.
42:47Advent calendars.
42:48This isn't about the advent,
42:49this is about the stuff
42:50that they have in them.
42:51All these are on right now.
42:52The boots one,
42:5415% off code,
42:55save 15.
42:56Basically,
42:56£130 with £506 worth of stuff.
42:59That's my valuation
43:00of how much it would cost
43:00to buy separately in it.
43:01Lots of beauty stuff.
43:02Debenhams,
43:03£120,
43:04£550 worth of standard retail.
43:07M&S Beauty,
43:09this has got £290 worth of stuff in there.
43:11I think it's £42.
43:12That's been missed off on there.
43:13I think it's £42
43:14currently on sale at the moment
43:15via the Sparks app.
43:17Not every Sparks app
43:18will give you the discount.
43:19Some people get it,
43:19some people don't.
43:20Then,
43:21I've convoluted these two
43:23because I needed to fit them somewhere.
43:24Beautiful timing.
43:26These are Christmas sales
43:27that start really early,
43:28so you can get the Christmas,
43:29as in the Christmas day sales,
43:30before Christmas,
43:31we're delivering time,
43:32ASOS,
43:33if you miss Black Friday,
43:34that's probably better,
43:35starts on the 17th of December.
43:37Matalan,
43:37up to 50% off,
43:38selects as Christmas items
43:39and brand starts
43:39on the 17th of December.
43:41Oh my goodness,
43:41I've got four left.
43:42Right,
43:43Santa's Letters.
43:44Royal National Institute
43:45for the Blind.
43:46If your child is vision impaired,
43:48they can request at RNIB
43:49and they can get formats.
43:51Santa stations his elves
43:52at the Royal National Institute
43:53for the Blind.
43:53They can write back
43:54via his elves
43:55if you go that way.
43:56Or all children,
43:57Father Christmas
43:57at Santa's Grotto,
43:58they can write
43:59at the Royal Mail.
44:00There are elves stationed there too.
44:01Put Santa's address on the embryo,
44:03put the letter inside,
44:03put a stamp on the envelope,
44:05include your full name
44:05and address
44:05on the back of the envelope
44:06and it should get there.
44:07They're really pushing me
44:08quickly on this one.
44:09Christmas trees and decorations.
44:11Tesco's got three different
44:12trees at half price right now
44:13if you're a club card holder.
44:14M&S,
44:15I'm predicting we'll go
44:1520% off Christmas trees
44:16on the 1st of December.
44:17John Lewis reduces
44:18its decorations
44:19normally on the 11th of December.
44:20M&S used to do that.
44:21It's now only doing trees.
44:22Next.
44:23Oh my goodness.
44:26Groupon deal likely
44:26to come £22.
44:27We don't know if it's
44:28over in the view
44:28on the 10th of December.
44:29London Theatre is on now
44:30if you're a MasterCard customer
44:31on the 25th of November
44:32official London Theatre.
44:33Loads of good shows there.
44:35All of these,
44:35we only started this last year
44:37are based on last year.
44:37Look at the prices.
44:38London to Nice.
44:39That's nice.
44:40£39 each way.
44:42EasyJet,
44:42at 20% off.
44:43Jet to Ryanair,
44:44Cyber Week,
44:44buy one,
44:45get one,
44:45half price.
44:45TUI,
44:46Manchester to Terraria
44:47for £80 return
44:48and Virgin Atlantic,
44:49a big flight there,
44:50£364.
44:51Note those dates down
44:52for when you need them.
44:53I can never pronounce this.
44:54What's it called?
44:56I am.
44:57Thank you very much.
44:58But what's it called?
44:59Right.
44:59£35 one-way,
45:01£70 returns
45:01predicted on the 1st of January.
45:03Interrail,
45:03if you're interrailing,
45:04that is the cheapest of the year
45:05to get your ticket
45:06and get back to 11 months ahead.
45:08And rail car discounts
45:08coming at Train Pal
45:09at 450% off,
45:12but I don't know.
45:12That's confirmed.
45:13Don't know if the remainder
45:13is 30% off.
45:15Then it's Christmas.
45:16Christmas Eve.
45:18Christmas Day sales,
45:19mostly up to sales
45:21and predicted up to discounts.
45:22This is when the in-store ones start
45:23because I've got to go quick.
45:25New Year.
45:26Hooray.
45:28This is when they start
45:29to boost the discounts,
45:31but obviously much more
45:32limited stocks.
45:33So unless you're,
45:34if you're average
45:35and very fit like me,
45:36you probably won't get there.
45:37But if you're a different type of shape,
45:38you might be able to wait
45:39a little bit later
45:39if you get the bigger discount
45:40and that's the festive fork.
45:41That's what I am doing.
45:48Wow, wow, wow.
45:50I mean,
45:51it's like watching sports.
45:54We've got next Tuesday
45:55and next Thursday.
45:56Winter's coming.
45:56We're doing energy bills
45:57and efficiency
45:58and boiler cover on Tuesday
45:59and then 7.30 on the Thursday.
46:00So 8 o'clock on the Tuesday.
46:01Budget special.
46:02See you then.
46:02Thanks, everybody.
46:03Oh, my God!
46:33Oh, my God!
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