Now it's been confirmed that the Conservative Party has been voted back into Government after winning more than the 326 seats needed, we explain how its policies affect your pocket.

Just a fortnight ago, Cameron – as well as the other six party leaders – told MoneySavingExpert.com what they would do to help consumers if they were handed the keys to No 10.

Their pledges covered 12 key consumer issues, some of which we put forward and some of which were requested by you. Below is a summary of the key promises Cameron made. Whether he lives up to these promises, only time will tell.

We asked him, as well as the other party leaders, to be specific. If you think he's evading, do hold it against him; it's unlikely to be accidental.

Cameron on taxes

Here's what Cameron pledged with regards to inheritance tax and the bedroom tax. (Click on the links for the full answers.)

Q. Would you increase or decrease inheritance tax? What plans do you have to change the current system?

A. Cameron: "If you leave your home to your children when you die, the taxman won't get a penny of it: nothing. That's because we're increasing the amount you can leave, tax-free, from £325,000 per person to £500,000 on property."

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Q. Would you scrap the under-occupancy charge or bedroom tax? Do you believe it has been a successful policy?

A. Cameron: "I wouldn't scrap it, no – and here's why. This isn't a tax; the spare room subsidy is a form of housing benefit. People do not get the subsidy if they are in private sector rented accommodation, so in our view they should not get it in public sector rented accommodation."

Cameron on the cost of living

Here's what Cameron said when we asked him what he'd do about petrol prices, zero-hour contracts, energy prices and mortgages. (Click on the links for the full answers.)

Q. Roughly 60% of petrol is tax. Will you cut this amount?

A. Cameron: "Labour left a trap for hardworking families, commuters and businesses – a fuel duty escalator and a bunch of duty increases that would have pushed their petrol and diesel costs up and up. So we've abolished that escalator. We've cancelled those rises. We've now had the longest duty freeze in 20 years."

Q. Should zero-hour contracts be scrapped? If not, how would you control them?

A. Cameron: "I don't think scrapping all zero hours contracts is the answer because actually some people do appreciate the flexibility this gives them.

"What we desperately did need to do was act on exclusivity clauses – companies hiring staff and making them sign a zero hours contract that said they could not work anywhere else. This was completely wrong – and we have banned them. We have passed a law to make exclusive zero hours contracts illegal."

Q. Is it time to renationalise or dictate prices to energy providers?

A. Cameron: "The fact is if you rig the market it does not work – we've seen it through history and throughout the world. What you actually need to do is make those markets work better. You need competition, companies vying for business and cutting prices in the process.

"There are now more companies in the market – and it is easier to switch providers. Even so, we're having the first full competition inquiry in the market since privatisation. We've also put it into law that energy companies must give customers the lowest tariffs. And we've knocked £50 off your bills by reducing green taxes."

Q. Mortgages may look cheap due to low UK base rates, but in reality they are at their most expensive in our lifetime. Standard variable rates are now around 4% above the UK base rate. If interest rates rise it'll be unaffordable for many current homeowners. What will you do to prevent this mortgage ticking time bomb before it happens?

A. Cameron: "We've got this long-term plan, because we've taken those difficult decisions, because we've cut that deficit in half, families aren't just paying low mortgage rates – they're paying record low rates.

"We followed our plan and have had five years of low interest rates. So there is only one way to stop mortgage rates becoming unaffordable. It's sticking to the long-term economic plan that is working."

Cameron on pensions and savings

Here's what Cameron said when we asked him what he'd do with pensions and savings, including Pensioner Bonds, which close on 15 May. (Click on the links for the full answers.)

Q. What changes to the retirement system for state and private pensions will you introduce to ensure that people gain an adequate standard of living in retirement?

A. Cameron: "First, we're guaranteeing that the State Pension will always go up by earnings, prices or 2.5 per cent. In this Parliament it has gone up by £950 a year.

"Second, we're bringing in a new single-tier pension in 2016 of at least £151.20 a week, which will make sure it pays to save.

"Third, we've brought in the biggest overhaul of private pensions since their inception. Over-55s can now get their hands on their own money – rather than being effectively forced to buy an annuity, which have often yielded such poor returns in the past.

"Along with keeping pensioner benefits like the winter fuel allowance, TV licence, bus pass and free prescriptions, these changes clearly say to our older people: you will have the security you deserve."

Q. With interest rates for savers at an all-time low, what will you do to improve the returns for hard-working people who have managed to build up a pot of savings?

Cameron: "We introduced a Pensioner Bond to give people financial security after a life of work. It's why we abolished Labour's 10p tax rate on savings – a rate which was the ultimate slap in the face to savers.

"And we are introducing a new personal savings allowance that will take around 95 per cent of people out of savings tax altogether."

Cameron on financial education and mental health

Here's what Cameron said when we asked him how he intends to strengthen financial education on the curriculum and, at the opposite end of the spectrum, how he would help people with mental health problems avoid debt crisis. (Click on the links for the full answers.)

Q. Will you strengthen financial education on the national curriculum? What resources will you put into it and how will you ensure schools who don't have to follow the curriculum consider it?

A. Cameron: "Our Government is the first in history to make financial literacy compulsory. From 11 until 16, children are now learning the fundamentals – about how to budget their money, why debt is a problem, and what saving is all about."

Q. What resources will you invest to help those with mental health problems avoid debt crisis?

A. Cameron: "Our campaign "Disability Confident" is changing lives – helping break down the barriers so these people can get into the workplace. We've also just announced a whole package to make it easier for them to take up employment, including online Cognitive Behavioral Therapy for thousands of people on out of work benefits.

"I commend MoneySavingExpert.com for publishing the Mental Health & Debt Guide, which I know caseworkers have been using."

Cameron on student finance and school holidays

A key issue for voters in the 18-24 age category is student finance, while school holidays are an issue for parents. Here's how Cameron answered our questions on these topics. (Click on the links for the full answers.)

Q. Much of the student debate has focused on tuition fees. Yet the real challenge making university unaffordable for some is that student maintenance loans and grants haven't kept pace with the cost of living at university. In some places hall fees alone are higher than the loan. What changes will you make to improve this situation and help students afford their living costs?

A. Cameron: "We will carry on reviewing and adjusting the maintenance loan each year. We will make sure grants, scholarships and bursaries are available to students. And we will make certain that money is not a barrier to our children's future."

Q. Should parents be allowed to take their kids out of school during term time for two weeks a year with no fine?

A. Cameron: "I'm clear that children should be in school during term time.

"I do know how expensive school holidays can be, and I know it can be pricey in high summer. That's why we're giving schools and councils the power to set their own term times – so not everyone has to get away for their break at exactly the same time across the country.

"There is still leeway for heads to allow leave in exceptional circumstances. So if there is a serious reason for children to be off school, then they can be."

What did the other leaders say?

Read our MSE Leaders' Debate guide to see what party leaders for six other major parties pledged on issues important to you.

And remember, even if a Conservative government isn't one you wanted or voted for, you can still hold your local MP to account on issues that are important to you.

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