If you click a link with an * to go through to a provider, we may get paid. This usually only happens if you get a product from it. This is what funds our team of journalists, and keeps us free to use. Yet there are two crucial things you need to know about this.
- This never impacts our editorial recommendations – if it's in, it's in there because we independently rate it best.
- You'll always get as good a deal (or better) than if you went direct.
For a more detailed explanation see How MSE is financed.
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Use the Money Mantras
Before spending, use Martin’s Mantras. If you answer 'NO' to any, then don't buy!
Then ask:
- Do I need it?
- Can I afford it?
- Have you checked prices elsewhere?
Then ask:
- Will I use it?
- Is it worth it?
Free protection for all shopping!
There's a little-known piece of legislation that turns any credit card into a financial self-defence superhero. 'Section 75' of the Consumer Credit Act means your plastic must protect anything you buy for more than £100 for free, so if there's a problem or the company goes bust, you can still get your money back.
And although Section 75 doesn't apply to debit cards, there is something else to fall back on if you've paid using a debit card, or used a credit card for a purchase under £100. Known as Chargeback, this is part of banks' and card companies' internal rules and not a legal requirement. Read full details of Section 75 or Chargeback, plus how to claim, in our guides.
What the * means above
If a link has an * by it, that means it is an affiliated link and therefore it helps MoneySavingExpert stay free to use, as it is tracked to us. If you go through it, it can sometimes result in a payment or benefit to the site. It's worth noting this means the third party used may be named on any credit agreements.
You shouldn’t notice any difference and the link will never negatively impact the product. Plus the editorial line (the things we write) is NEVER impacted by these links. We aim to look at all available products. If it isn't possible to get an affiliate link for the top deal, it is still included in exactly the same way, just with a non-paying link. For more details, read How this site is financed.
Duplicate links of the * links above for the sake of transparency, but this version doesn't help MoneySavingExpert.com:
28 July 2021
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First Direct's £100 bank switch bribe - go quick
Ends 9am Wed
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New. Broadband price war
Incl cheapest deal in 18mths - '£13/mth'
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Travel insurance from £9/week
Incl some Covid cover
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New. Help if you're 'pinged' or told to isolate
Martin's video explainer
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Slash PCR travel test costs to £40
Avoid £100+ fees
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'I reclaimed £3,500 in packaged bank fees'
'...going back to 1990'
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15 summer cinema savers
Incl £2.50 entry & free O2 Monday tickets
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Read the full email
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Most employees feel they are financially better off now than at the start of the pandemic, finds new MSE poll
28 July 2021![]()
More than two in three employees in full-time or part-time work say they're financially better off now than at the start of the coronavirus pandemic – but only one in three of those who are self-employed feel the same, a new MoneySavingExpert.com poll has found. -
Lloyds Bank launches cashback credit card that pays up to 0.5% - plus a £20 introductory bonus
28 July 2021![]()
Lloyds Bank has launched a new credit card that enables holders to earn 0.25% cashback on up to £4,000 of annual spending and 0.5% above, with no cap on how much you can earn. You can also earn a £20 bonus if you spend £1,000 in the first 90 days. But Lloyds' cashback rate can be beaten by American Express - here's how it compares. -
Coronavirus Travel Rights
28 July 2021![]()
The coronavirus outbreak is causing major travel disruption around the globe -
Card providers to 'reserve' up to £100 when you pay at supermarket fuel pumps – here's what's happening
27 July 2021![]()
Motorists paying for fuel at automated supermarket pumps across the UK now face having up to £100 on their debit or credit card temporarily "reserved" while they fill up -
Virgin Mobile to axe pay-as-you go services from 2022 - what it means for its 123,000 customers
27 July 2021![]()
Virgin Mobile is to close down its pay-as-you go (PAYG) services from January 2022 in a move that impacts 123,000 customers. Here's what it means for your plan, mobile number, and unused credit.
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Martin Lewis: Why you shouldn't worry too much about your credit score – it’s not actually a real thing
14 June 2021![]()
When it comes to finances, numbers are key – whether it's what you earn, your credit card balance or the interest rate on your mortgage, small changes can add up to a big difference. Yet there's one number you shouldn't pay too much attention to – your credit score.
Clever ways to calculate your finances
