Martin Lewis
Ones Not To Miss

eBay selling tricks: Declutter, flog & make £100s with ease.

Coins
There’s a raft of tricks and tactics to help you to list auctions effectively and smash down eBay fees. This detailed guide shows you how to list automatically with tools, profit from bizarre items you never thought you could flog and much more

Give yourself a Money Makeover: How to completely overhaul your finances and save £1,000s

Money Makeover
By shifting to the best products for everything you can easily give yourself as much extra cash as a 25% payrise. Better still you can do it all yourself, without paying anyone and it only takes a day.

Boost Your Income: A full guide to bringing in extra cash

Whether it’s renting your house for film locations, using cashback websites, becoming a mystery shopper, stoozing credit cards or just working for a bit on the side, this full guide will take your though every option to up your income.

The Budget Planner: Free tool and guide to managing your money

This detailed guide includes the unique, free fully automated budget planner tool; which assesses your finances to see if you spend more or less than you earn and then helps you work to stick within budget

Teen Cash Class Guide: Free Guide to turn yourself or your kids into Money Saving Experts.

This free 40-page PDF guide is based on Martin Lewis’ lesson plans for his ITV1 programme ‘Tonight: Teen cash class.’ It’s designed to teach children and adults about the three key Money Saving lessons, and can also be used by teachers as a basis for class room discussions.
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Your Credit Rating: How it works and how to improve it

Actually credit ratings don't exist. Each lender scores differently. Find out how banks use them to assess whether to lend you cash, and also how to check all your credit files totally free.

Debt Problems: Where to start, what to do, where to get help

This step-by-step checklist for anyone worried about problem debts includes how to get cheaper credit, challenge loan agreements, budget. Plus full details of non-profit counselling services if you're in crisis.

The Demotivator Tool: Stops you spending when you can't afford it.

This snazzy new tool reveals the real cost of your spending habit. Whether it's driving to Grandma's, smoking, drinking cappuccinos in the afternoon or not taking sandwiches to work, prepare to be scared.

Grant Grabbing: Find out if you're eligible for £1,000s

Find out if you are eligible for free money to help improve your home and education, increase your income or help with a business venture.

Free Anti-Virus & Other Safety Software: Legally protect your PC for nowt

It's possible to fully protect your PC from viruses, adware, spyware, worms, trojan horses and the rest, without paying a penny. This is a full guide of the best free, legal & professional safety software around.

Student MoneySaving: Funding, Borrowing and Living as a student

No one should be put off studying because of student debts. Do it right and it's possible to get an education without money worries! This comprehensive guide to student life the MoneySaving way, suitable for current and future students, shows you how.

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Money Management

The Demotivator Tool: Stops you spending when you can't afford it.

Demotivator front page
This snazzy new tool reveals the real cost of your spending habit. Whether it's driving to Grandma's, smoking, drinking cappuccinos in the afternoon or not taking sandwiches to work, prepare to be scared.

Consumer rights: how to make 'em play fair

Consumer
Do you know your rights? When can you take goods back? When can you ask for a refund? Is buying a second hand car the same from a showroom or a private individual. Find out with this article.

The Budget Planner: Free tool and guide to managing your money

This detailed guide includes the unique, free fully automated budget planner tool; which assesses your finances to see if you spend more or less than you earn and then helps you work to stick within budget

Give yourself a Money Makeover: How to completely overhaul your finances and save £1,000s

By shifting to the best products for everything you can easily give yourself as much extra cash as a 25% payrise. Better still you can do it all yourself, without paying anyone and it only takes a day.

Interest Rates Guide: Everything you ever wanted to know!

Whether it's saving or borrowing, companies manipulate rates to confuse and mislead. Yet this five minute read covering the very basics, through compound interest, onto APRs, AERs and flat rates, gives you a powerful consumer weapon.

Teen Cash Class Guide: Free Guide to turn yourself or your kids into Money Saving Experts.

This free 40-page PDF guide is based on Martin Lewis’ lesson plans for his ITV1 programme ‘Tonight: Teen cash class.’ It’s designed to teach children and adults about the three key Money Saving lessons, and can also be used by teachers as a basis for class room discussions.

Grant Grabbing: Find out if you're eligible for £1,000s

Find out if you are eligible for free money to help improve your home and education, increase your income or help with a business venture.

Financial Advice: When to get it, how to find a good one, and how to pay

Want financial advice for such things as protection products, annuities and financial planning? The aim is get truly independent advice, cheaply and from someone who really knows.

Your Credit Rating: How it works and how to improve it

Actually credit ratings don't exist. Each lender scores differently. Find out how banks use them to assess whether to lend you cash, and also how to check all your credit files totally free.

IVAs are they worth it?: Free guide to download and print

Contrary to the TV adverts’ hype, Individual Voluntary Arrangements won’t magically wipe out your debts; they’re are a cut down form of bankruptcy, only suitable for specific people. This detailed free PDF, will explain how they really work, whether they’re right for you, and the alternatives.

Should I pay off my mortgage?: Saving v mortgage overpayments

Using spare cash to overpay a mortgage can save you a fortune. Yet questions abound over whether it’s better to dunk it in a cash-ISA, how mortgage interest calculations work, repayment penalties, emergency funds and more. This guide takes you through it and includes a specially designed calculator.

Student Loans: Should you pay them off?

It's one of the cheapest forms of borrowing, so is it worth paying it off early? What's the impact on your credit score of keeping it? How does it effect your mortgage? Full answers here.

Pay off debts with your savings!: The Golden MoneySaving Rule

If you've both debts and savings, your bank will laugh at you as it rakes in your cash! It's likely you shouldn't be saving, not even for an emergency fund, but instead use spare cash to pay debts off, possibly even your mortgage!

Student MoneySaving: Funding, Borrowing and Living as a student

No one should be put off studying because of student debts. Do it right and it's possible to get an education without money worries! This comprehensive guide to student life the MoneySaving way, suitable for current and future students, shows you how.

Tips, Tricks & Treats: Full compendium of MoneySaving bargains, loopholes and special deals

The very best of the weekly email's sneaky bargains and lucrative loopholes in a categorised index.

Freebies, Freebies, Freebies: A guide to and directory of free stuff

Whether it's perfume, pants, gym passes, vouchers, face cream, games or books, there's masses available for free on the web with a simple click-and-grab. This a huge list of permanently available genuine freebies.

Bouncing out of debt: The best debt dieter revealed

After weeks of carefully sifting through bags of competition entries, we're ready to announce the winner of 2007's debt dieter competition. Find out who took the top spot, and read her top tips on trimming back the pounds.

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Tax & Benefits

Benefits Check Up: 5 mins to get what you're entitled to

Benefits
All families earning under £66,000 should check whether they're missing out on eligible benefits, as should pensioners, those on low incomes and many others. It only takes five minutes via a speedy, free, web check-up.

Council Tax Rebanding: Lower your band and save £1,000s

Council Tax
You may have overpaid £1,000s without knowing it and can get your money back at no cost. A full step by step guide on how to check ‘n’ challenge your council tax band for free.

Inheritance Tax: Save £100,000s on death duty

Inheritance Tax avoidance is one of the easiest and biggest ways to save money possible. Yet many people ignore it and leave themselves with vast and unnecessary tax bills

Taxing Times 6

Save cash on expensive tax advice with some common questions answered here.

EMA - Get Paid to Study

Now there really is an incentive to study. The launch of the EMA means sixth form students can earn when they learn

The Hungersite: Feed the starving at no cost to you

Every 3.6 seconds someone in the world dies of hunger. Yet using a special 'click and give' site you can help feed them in 10 seconds at no cost, plus other similar sites help Breast Cancer, Rainforests and more

Student Loans: How to use them the MoneySaving way

It's the cheapest long term debt you'll ever have, plus if you don't earn enough, you won't have to repay. Always take out the maximum, but don't necessarily spend it.

Charity - Pay less (or nowt) give more!

Max out your charity donations. Pay no tax and make the govt to donate too. Plus feed the starving for free.

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Scams, Spams & Dodgy Divans

ID Fraud Protection Loophole: Get protection and help for free

ID Fraud Front
Two credit card companies offer free ID fraud help services. Best of all, these apply even when the fraud is on other cards or products. So simply grab the cards, and you're protected even if you never use them!

Free Anti-Virus & Other Safety Software: Legally protect your PC for nowt

PC
It's possible to fully protect your PC from viruses, adware, spyware, worms, trojan horses and the rest, without paying a penny. This is a full guide of the best free, legal & professional safety software around.

Buy Online: Free safer system for online spending

Whether you're paying for shopping, info or legal pornography online, one provider protects your cash from fraudsters by rotating your card number.

What to watch for when withdrawing cash

If you're about to take cash out of a hole in the wall. First of all check there's no scanner. Pics and explanation.

Junk the junk: Stop unwanted calls, mail, texts and faxes

Getting bombarded with unwanted junk phone calls? There's an easy way to stop them.

Phishing, how to avoid scam financial emails

It's a growing scourge, you get an e-mail from a bank, it looks genuine, but click that link and it'll steal your cash. Includes examples of emails

Combat Mobile Phone Crime

Theft of mobile phones is spiralling but there's a new scheme that can up your chances of recovering your stolen phone
This website is based on journalistic research. It does not constitute financial advice. Any information should be considered in regard to specific circumstances. All tips are followed at your own risk and should be followed up with your own research . See Full Terms & Conditions and Privacy Policy (last updated 19.12.06). © Martin Lewis and Martin S Lewis Ltd. 'Martin Lewis' and 'Money Saving Expert' are registered trademarks belonging to Martin Lewis.