Ever switched mortgage? You may've overpaid £100s. Get it back. New Article
If you've either switched mortgage lender or paid off your mortgage in full, it's likely, without your knowledge, the exit fee you paid was much higher than your original contract stated. Last week the regulator, the FSA, announced this is unfair and you should be repaid the difference, possibly £100s. I've speedily written a brand new guide, including template letters to send. New Article: Mortage Fee Reclaiming (mini muttering) Related Articles: Cheapest Remortgages Guide, Cheapest Mortgages Guide, Endowment Misselling Compensation

Sub-£20 Pay as you go mobile phone. Can you find one cheaper?

Your Credit Rating. Loophole to check it for free & how to improve it. New Article
Actually credit ratings don't exist; they're a myth, regardless of what you read elsewhere. Each lender scores you differently based on its own priorities. This is my fully rewritten and re-researched article, explaining how it works, what they know about you and how to see every credit agency's report totally for free. New Article: Your Credit Rating (mini muttering) Related Article: What To Do With Problem Debts

Valantine's perfume/ aftershave buying. New Article. Smell a bargain!

Massive £300 Gym Saving Loophole. Works at three major gym chains. One month left
Gym membership can cost up to £70/month, yet until the end of Feb, Pruhealth's* private medical insurance policy, which costs as little as £20/month, offers six months free at Cannons and some JJB gyms (or £25/month for Holmes Place). It's a massive saving and worth doing just for the cheap gym even if you don't want the insurance. Full Article: Massive Gym Loophole Related Article: Gym Membership Cost Cutting

STOP YOUR FRIENDS WASTING CASH! PLS SUGGEST THEY GET THIS EMAIL

WARNING British Gas new £5 fine for late payments. Or switch and get cashback
As of March 1 British Gas will fine all customers who pay by cash or cheque £5 if their payment is 28 days late. The simple answer is switch your payment method to direct debit, which will save you up to 10% anyway. Even better, if you haven't already, ensure you're with the cheapest gas and electricity supplier. My top pick comparison service is Energyhelpline*, which pays up to £30 cashback if you switch through it. Better still read the Updated Article: Cheapest Gas & Elec Plus Cashback Related Articles: Cut Water Bills, Cheapest Boiler/ Central Heating Cover

Got an iPod? Docking stations drop in price Now under £20

Cheapest car insurance reported at £27! Car Insurance Cost Cutting System update
Two weeks ago I published my updated Cheapest Car Insurance System and last week someone used it to get £48 insurance; now the cheapest reported is £27! Follow the Cheapest Car Insurance article and see if you can beat the reported successes

URGENT REMINDER! Tax deadline 31 January. Fill in your self assessment form or be fined Related Articles: Tax Tony's guides five, four, three, two and one

Reminder. Best Balance Transfers Deals; 0% for 14 months or 3.9% for life. Jan Debt Special
Top 0% deals: HSBC* 0% for 14 months with a 2% fee or Smart 0% for 6 months no fee. Top long term deal: M&S &More 3.9% until debt is repaid. To find out which is right for you read the Article: Best Balance Transfers

Quick tip. Just press the button and sail through customer services
If you're forever weaving through phone menus when trying to speak to customer services, there's an easy solution. Instead of obeying the voices, try bashing the hash key and you'll often (but not always) be put straight through. More info. Related Article: Say No to 0870

The Great ‘Team Up With Friends and Save' Hunt
A few week's ago, Terry who runs the Radio 2 allotment was telling me on the programme how much he'd saved by teaming together with other allotment holders to buy seeds. This seemed to be an idea that correctly grown and nurtured could bear fruit (sorry!). So I thought I'd tap MoneySavers' collective knowledge to find other ways to team up and save cash. Add your ideas/read others Past Great Hunts: Cut The Cost Of Moving Home, Use Less Water and Pricebeaters Plus

FLIGHTCHECKER SALES WATCH  Paris, Jersey & Amsterdam c. £20 each way
Budget airline Thomsonfly currently has a range of destinations at 49p each way. When you add in its taxes and charges this becomes roughly £20 in total. For a full briefing read the How To Find a Cheap Flight article or go straight to the special free FlightChecker to find the seats in seconds

MONEY MORAL DILEMMA. Should little sis get a holiday too?
When Jessica took her GCSEs her parents promised her cash for a holiday if she scored straight As. Jessica's very bright and sailed through her exams, getting the grades without too much problem. Yet now it's her little sister Ashley's turn. While Ashley works much harder than Jessica, she's not as naturally academic and has no chance of turning in top marks. Should her parents reduce the grades she needs to achieve to win the holiday because she's done much more work? Enter the Money Moral Maze: Should little sis get a holiday too? Previous MMDs: Would you lend to a friend in need?, Give Santa the sack and Would you take the job?