Can split tickets really cut the cost of train fares?

Ticket splitting, where you buy individual tickets for parts of the journey rather than just one return, is hyped as a top way to save on trains. 

For years this has been a slightly hidden trick, requiring guesswork on your part or using a small website to work out where to break a ticket. But now booking giant Trainline has got in on the act, and Virgin Rail will launch a booking service doing the same later this year. This trick could be about to go mainstream. So just how likely are you to actually find a fare this way?

First up, it absolutely can work – you might have seen the stories online of people managing to massively cut their train fares by doing it. My favourite was one a few years ago where a guy saved a ton of cash but had 28 separate tickets for his journey

But in my experience, it’s rare that a journey comes up costing less with this method. In fact, I’m not sure I’ve ever actually cut the cost of my own journeys through splitting, at least not that I can remember.

It could just be because the routes I take aren’t long enough, or perhaps it’s the times I travel. As a method of saving cash it seems only marginally more reliable than a Thameslink or Northern train service.

So if you do manage to nail down a split fare then it can make a big difference. Just don’t expect to do it for every journey. To help you I’ve taken a look when there’s potential to save, and when it’s less likely to happen.

What is split ticketing?

Very simply you buy a series of tickets rather than just one for your journey. So a train from London to Newcastle could be cheaper if you get a ticket from London to Doncaster, change train, and then get another ticket from Doncaster to Newcastle. With some journeys, you can even stay on the same train. Maybe even in the same seat!

When split tickets are more likely

Yep, it’s weird and there’s no obvious logic behind when you can get split fares and when you can’t. However there are factors which could help you find one of these cheaper fares.

When part of your journey is peak and part is off-peak

Peak trains are almost always more expensive, but if you are able to split the journey so you’ve got a different ticket once rush hour finishes it could save cash.

When you’re going a long way

Again, you’ve more opportunities for change if you’re going through more stations, and that could bring up a few splits.

When you’re using different train providers

If you change trains part way and the second train is operated by a different train company then it’s definitely worth seeing if splitting the fare works. Look out too for promotions exclusive to one route. Though not strictly a split fare, I recently got 10p returns to Leeds from Manchester in a flash sale, but I’m paying the normal return price to Leeds from where I live.

When you’re buying last minute

The more expensive the total fare, the better your chance of finding some cheaper options through splitting. Of course, it’s better and cheaper to book in advance, but we’ve all had times we can’t plan ahead.

When you’re looking at single journeys

I’d always check for splits on a single journey rather than a return as it gives you the flexibility to find different splits each way. Of course, compare this to the price of a standard return.

When you’re willing to make a few changes

It won’t necessarily be the quickest route, but if you split up your journey along a less direct route then there could be more opportunities to split.

When split tickets are less likely

This seems to be my experience. Sadly, there are lots of journeys where you won’t find any split savings. Obviously the opposite of the above reduces your chances of savings, and I think it’s incredibly unlikely for short trips, and ones with few stops on the way.

How to find a split ticket

You’ll probably need to get online, though that’s not to say station staff won’t know a few savings – it’s just unlikely.

You can of course work it out yourself by checking the stations on the way and seeing if breaking the journey, whether on the same train or a different one, brings up cheaper tickets.

But the easy way to find the fares is to use a split ticket website. These take your journey and work out the cheapest and quickest split (or splits) possible – if there are any. 

I’ve looked at a few (long) journeys on each of them and had different results, so if you can spare an extra couple of minutes it’s worth doing a couple of searches.

Each of these, including Trainline, charge you extra on top. Some include this in the price you see, others add it on. Trainline, which charges a flat £1.50, works out cheapest if your saving is more than £15. The others all charge 10% of the saving, which could be quite hefty on journeys with large savings.

If you don’t want to pay these extra fees you can buy the tickets through another train booking website. However, if you can afford it you might want to pay to help the smaller services survive, especially if you’ve got a substantial saving.

Risks of split tickets

A problem could occur if you have to make any changes on your journey. With a standard ticket taking you from station A to station C via a change of trains at station B, you’d be able to get on a later service if the first leg is delayed.

But with split tickets covering stations A to B, and then stations B to C, you’d likely have to pay for a new ticket from B to C if you miss the pre-booked train, though you would be able to get a refund on the first train if it’s more than 15 minutes late.

Don’t forget to add in the other tricks to save on train journeys such as railcards and advance fares. More here:

Cash hack: 10 tricks for cheaper train fares

 

Andy’s deals of the week 9th January 2020

Find out how to save on train tickets, alcohol-free beer, dairy-free milk and more. Plus the latest bank switching bonuses.

Watch this week’s episode

This week’s deals

10p Northern Rail fares

This flash sale started late on Tuesday night (10 hours after it was meant to arrive… you couldn’t make it up), but there are still some 10p fares available. It’s only for journeys across the Northern Rail network, but that includes Leeds, Manchester, Blackpool, Sheffield and many more. Here’s how to get your 10p singles and 20p returns.

Claim free £5 Amazon voucher

If you didn’t nab this offer before Christmas you’re in luck as it’s been extended until the end of January. It’s only for eligible customers but it’s easy to find out if you can claim. If so all you need to do is change your default 1-click payment method to a Mastercard. You’ll then get a free £5 voucher to spend before March.

Waitrose and Tesco sales

Both Waitrose and Tesco have January sales right now. I think the Waitrose one is better with 50% off brands like Alpro, Sensodyne and Pizza Express.

The Tesco offers are part of the Clubcard Prices and Centenary promotions and neither had offers that really stood out – but it’s worth checking it out as there could be something that works for you.

Free £10 with saving app

One of the apps I’ve mentioned in last week’s automated savings article is Chip, and new users can get a free £10 for signing up and making two saves. It’s a good app which I use and would recommend, so the extra tenner is a nice bonus.

Roku streaming stick & 3 HD movies for £17.99

Buy a Roku stick for £17.99 at Argos and you’ll not only get a smart stick that works for Netflix, Prime AND Now TV (cutting down on the cables and remotes), but you’ll also be able to claim three movies from Rakuten to keep.

Unlimited alcohol-free beer

If you’re taking part in dry-January then you’re going to save a few quid if you pop down to a Brewdog bar as you can get unlimited refills of it’s range of alcohol-free beers all month.

Free £30 John Lewis voucher with credit card

With news that Tandem is axing its cashback credit card, this could be the best replacement. If you’re a regular John Lewis or Waitrose shopper then you can pick up double points (worth 2%) in rewards for 90 days with a new John Lewis & Partners credit card, plus you can get a free £30 bonus voucher if you spend £250 in that same period.

New bank switching bonuses

A few deals to share with you. First HSBC has brought back it’s £175 switching bonus, while First Direct has doubled it’s bonus to £100.

TSB also now offers £100 to you and a friend if you refer them to join TSB. They’ll need to complete a full switch to get the cash, which means closing down their existing account at a different bank.

Roku deals and offers

The best Black Friday deals for one of the best streaming sticks.

If you want to watch Netflix, Prime Video, NOW TV or other streaming services on your TV you’ve got two options. Either get a Smart TV with the apps built-in, or buy a separate device to plug into an HDMI slot on your TV.

The problem with most of the devices such as the Amazon Firestick or using your games console is they don’t let you watch every service. So you end up with more than one stick, and more than one remote control. It’s manageable, but there is a better option which has all the main apps – Roku. 

I’ve written in the past about the different streaming sticks, but here’s a quick intro to what you can watch with a Roku.

What can you watch with a Roku

You can see the full list of supported apps on the Roku website, but it includes the following:

  • Netflix
  • Amazon Prime Video
  • Now TV
  • Apple TV +
  • BBC iPlayer
  • All 4
  • ITV Hub
  • YouTube
  • TV Player
  • Rakuten
  • Google Play

You obviously need to pay separate subscriptions to actually watch many of these services – the stick just lets you access them on your TV. Here are a few offers and deals for streaming services including Netflix, NOW TV and more.

Roku Express streaming stick deals

This is the standard HD stick and usually costs £30. There are two versions, a 2017 model and a 2019 model

£17 at Argos

The 2017 model is reduced to £17, don’t forget you can also claim your three free movies from Rakuten too.

> Buy the 2017 Roku Express from Argos

Roku Streaming Stick + deals

This is the 4K version, and it comes with a voice remote too. It usually sells for £60.

£39 at Currys

There were lots of shops selling this stick for around £29, over Black Friday the cheapest it’s ever been. However, now the best is £9 at Currys – stil a saving of £20. Plus, you can get three free movies from Rakuten (scroll down for more info).

> Buy the 4K Roku Streaming stick+ for £39.99 from Currys

> Buy it from Argos for £44.99

New Roku customer offer – 3 free films with Roku purchase

If you buy and activate a new Roku device between 11th November 2019 and 19th January 2020 you can claim three HD movies to keep from streaming service Rakuten.

You can only get this offer once per Roku account, though you can take advantage of the deal if you already have a Roku – as long as you buy a new one!

You have to use the vouchers by 16th February 2020.

Cash Chats #105 – Booking a holiday

January is peak holiday booking time, with “early bird” deals tempting people to book now and have something to look forward to during the dark winter months.

In this episode I’ve has taken a look at whether you should be booking now, or if you should wait. Plus my tips for making sure you’re getting the best value for money on your flights and hotels.

SUBSCRIBE & LISTEN TO OTHER EPISODES OF CASH CHATS (it’s free!): 

FURTHER READING

How to find a cheap flight

How I get the best value hotel rooms

Is your holiday protected?

Last minute holidays – the best way to book 

Deals of the week

Free £10 when you sign up to Chip

Tandem Membership review

£30 voucher with John Lewis credit card

£175 HSBC & £100 First Direct bank switching

The best of 2019

Catch up on the top articles, podcasts and videos from the last 12 months.

As we say goodbye to 2019 (and the decade) I thought it would be a good time to look back on the most popular content from Be Clever With Your Cash.

Here on the blog I’ve written 149 articles and shared 284 special offers (not including hundreds more over the Black Friday weekend). I’ve produced 53 podcasts and 33 videos, as well as 8 hours of Shop Smart Save Money on Channel 5.

No doubt even the most regular readers among you won’t have managed to take in all that money-saving and making content. So here’s a quick month-by-month list of the highlights that are still well worth a look.

January

Back at the start of the year, I wrote about how you could fix your finances in 2019. This four-part series is a must-read if you want to get on top of your money. 

February

With heavy snow, flu and a Brexit no-deal on the cards (nothing changes!) I looked at stockpiling for an emergency, as well as some tips for getting the most out of your freezer.

March

Most people I speak to are overspending on their mobile phone bills, with having too much data one of the biggest reasons. Here’s my article where I shared how you can work out just how much you need.

Meanwhile, on the podcast I took listeners through each of my 14 current accounts and why I’ve got each one.

April

At last year’s SHOMOs awards, my article on why supermarkets shouldn’t be shouting about cheap chicken picked up second place in the Blogpost of the Year category.

May

One of the most popular articles of the year looked at whether it’s worth selling books, DVDs and CDs online, covering places like Music Magpie, CEX and Ziffit.

June

I covered reusable bottles and coffee cups earlier in the year, and in June I shared how you can get free water top-ups on the high street – cutting the need to buy single-use plastic bottles.

July

Travel content was a hit as summer approached with this article on getting the exchange rate on holiday currency

August

Really popular was my article where I shared why you should have more than one bank account. You can also listen to me talk about the topic on my podcast.

September

In September I revealed why new rules mean you might find your debit card is declined.

Meanwhile over on the vlog I explained how to switch bank accounts (and take advantage of all those switching incentives).

October

One of the new ways to save some money this year is the Tesco Clubcard Plus scheme which launched in October. Here’s how regular Tesco shoppers could save hundreds of pounds by signing up.

November

I’m a huge fan of cashback as a way to get a little extra back each time I shop, so in November I shared how I’ve made £4,000 in the last six years.

The month also marked 100 episodes of my Cash Chats podcast, and to celebrate I shared how you can get hundreds of pounds of free cash!

December

This month has obviously been dominated by Christmas tips, but I also wrote about really important changes to overdrafts which have seen interest rates jump to 40%. If you ever use your overdraft you need to read this.

Tricks to afford an annual rail season ticket

Save hundreds of pounds on your rail commute by spreading the cost of an annual season ticket.

Every January trains fares jump up, and 2020 will be no different. It’s been announced tickets will go up by an average of 2.7% from January 2nd. And even though it’s less than the increases in 2018 and 2019, it’s still a harsh increase for many frustrated train travellers.

The same tricks will apply to cut your fares, such as buying in advance or splitting the ticket, but what about regular commuters?

Well, the best way to pay less is usually to buy a season ticket, with a 12-month ticket offering the biggest savings. BUT these annual passes require you to stump up a lot of cash upfront. And that’s not easy for everyone.

Will a season ticket be better for you?

In most cases, a season ticket will be cheaper than paying day-in, day-out. It’s worth taking five minutes to work out the cost of your commute to see what savings can be made. Remember, you won’t actually be going every day, so account for weekends and holidays.

It won’t be the best option for everyone though – especially anyone part-time For most of my working life I’ve bought an annual season ticket. But when I reduced my time at the day job a couple of years ago doing this no longer made sense.

When to get a season ticket

If you haven’t got one and are thinking about it, get it before January 2nd so you can avoid the fare increase. However, even if you buy it before this date, if it starts from the 2nd onwards you’ll still pay the new higher price.

Timing your season ticket

Of course, if you already have one then you can’t buy it to beat the increase and will have to wait for renewal. It can sometimes be worth timing when you buy your season ticket, and possibly getting a week or month-long passes to keep yourself going. For example, If the dates worked, I always used to time my holiday close to the end of a season ticket, and start the new one when I returned.

Ways to spread the cost of an annual season ticket

Find out if your work will give interest-free free loan

This is usually the best option – if your work offers it. It’s better than using savings too, as you can leave that money earning interest elsewhere.

Here’s how it usually works:

  • You fill in an application form with your HR dept. Expect to provide proof of the season ticket cost. You can also usually choose how many repayments you’d like to make.
  • Once it’s been signed off, the full amount is paid to your bank with your salary
  • You’ve then got the cash to buy the season ticket
  • Each month the loan will be taken from your pay before it gets to you.

Use a 0% interest purchase credit card

As with any big purchase you don’t have savings for, a 0% credit card helps you spread the cost. Don’t forget that you are borrowing money, so you need to make sure you pay off the debt to avoid high-interest payments when the promotional 0% period ends. You’ll also have to make at least the minimum repayment every month. Personally I’d pay it off as quickly as possible.

Try a commuter club

These are loans on annual season tickets, with payments spread out over 10 or 11 months. You will pay interest, but it’s still cheaper than buying monthly season tickets. The main one is Commuter Club.

Opt for monthly or weekly season tickets instead

If you can’t do any of these, then most of the time you’ll still save money with a monthly, or even weekly, season ticket.

However, if you are in London and use pay as you go via Oyster or contactless there are daily and weekly caps. These usually work out better than weekly season tickets You can see the different fares and caps on the TFL website.

Extra season ticket benefit in the South

Something I really miss about my annual season ticket is the free Gold Card. This railcard gave me a third off most fares in southern England for you and up to three other adults. You get this with a TFL season ticket too, not just mainline rail.

Once you have it you can also buy a different railcard for £10 for a friend or family member.

My tricks to cut the cost of train tickets

You can read more about these and other tricks I use to make train travel vaguely affordable in my 10 tricks for cheap trains guide.


 

Best value ways to stream movies at home

Sky Store, Google Play, Rakuten and Chili vs Netflix, Amazon and NOW TV.

Whether you should rent a film online or watch it via a subscription service depends on a few factors. Cost is an obvious one, and there are ways to pay less than the headline prices. But you also need to factor in how often you’re going to actually watch a film and how soon after its release you want to watch something.

To help you work out what’s the best value for money, I’ve taken a look at the main ways you can watch films at home. 

This includes both rental services (including Sky Store, Apple, Amazon, Google Play, Chili and Rakuten) and subscription services (NOW TV, Netflix and Amazon Prime). Most have reasons to choose one over another, and a few should also be avoided at all costs.

Watch the video below to find out my thoughts, and if you want to read more about the different deals for all these options you can click the links further down the page.

SUBSCRIBE TO ANDY’S YOUTUBE CHANNEL 

 

Further reading:

Cheapest ways to rent a movie online or by post

Movie streaming deals and offers

Amazon Prime Video 30-day free trial

Andy’s deals of the week – 19th December 2019

Big cinema savings, money off beer, the end of another bank switching incentive and more this week.

Every week you can watch Andy’s roundup of the top deals over on Instagram or Facebook.

More info on all the deals

Sky Cinema pass on NOW TV for £4.99

A decent discount for one month of movies on NOW TV – the normal cost is £11.99 but you can pay just £4.99.

ENDING SOON – M&S Bank £180 bank switch bribe

You’ve only a few weeks to get this longstanding bank switching incentive before it becomes yet another free cash bonus to end. It’s £100 in M&S vouchers for switching, then another £80 if you stay a year (£120 if you have an M&S credit card).

£15 off £50 of beer

I spotted this deal over on Amazon Pantry this week and have ordered some Goose Island IPAs for Christmas which will work out at around 66% off. You need to be an Amazon Prime member to use Pantry and the current offer is £15 off when you spend £50 on selected items, a huge number of which are beers. Well worth a look.

25% off Amazon Business

Sticking with Amazon, if you’ve got your own business then you can get a 25% off code when you sign up for Amazon Business. It’s for new customers only and there’s a maximum discount of £50.

Premier League on TV savings

There are lots of fixtures on TV over Christmas and New Year, split between Sky, BT Sport and now Amazon. Here’s how you can pay less to watch them all, including 50% off a Sky Sports Month Pass on NOW TV.

LAST CHANCE – Amex Shop Small 2019

I’ve been having a great time taking advantage of the American Express Shop Small promotion which ends this Sunday. So far I’ve got £150 back in £5s across three cards by spending at least a tenner on eating out (including some of my fave restaurants in London such as Bao and Patty & Bun), drinks out (at both local pubs and craft beer off licences), stamps, greeting cards, gifts (including Beanie Boo toys for my niece) and loads of nice cheese and meats from a local deli. If you’ve got an Amex but haven’t used it yet, this is your last chance.

Save money on Star Wars IX: The Rise of Skywalker

By the time you read this I’ll have already seen the new, and final, chapter in the Star Wars movies. Here’s my pick of the cinema deals that’ll get you money off seeing the film this weekend and next.

Up to 43% off an annual Odeon Limitless pass

Today only you can stack two top deals together. Groupon is offering a discount on Odeon Limitless memberships which give you unlimited access to films for a year, and Quidco is giving premium members 25% off at Groupon. Combined, these deals could mean you pay just £10 a month to see as many films as you want.

Cash Chats #104 – Was 2019 good for your money?

With the year (and the decade!) over, Andy has looked back at the big personal finance topics of the year to see whether it’s been good or bad for you and your money. Plus, deals of the week.

Further reading

Food stockpiling tips

American Express welcome bonus changes

Latest bank switching offers

Natwest and RBS cashback to end

Overdraft cost increases

Tesco Clubcard Plus review

Bad broadband changes