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There's a risk any company can struggle, so learn to Shop Safely.
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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:
21 July 2021
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Urgent. Free £125 to switch bank
Stop bitching, start switching
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New. Cheap mobile refurb finder
Eg, Samsung S20 £200 cheaper
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Home insurance rip off warning
'I'm now saving £330 a year'
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New. Designer clothes rental guide
Eg, £345 Jimmy Choo heels £16.50 for a day
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WFH as you've been NHS pinged?
CONFIRMED: You're eligible for a tax rebate
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18 foreign holiday must-knows
Incl cheap deals & cheap PCRs
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Six cards to shift debt to 0% for 29mths
One pays you £25 too
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Read the full email
For all the latest deals, guides and loopholes - join the 12m who get it. Don’t miss out
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App-based Starling and Monzo top MSE's latest banking service poll – see how your bank fared
23 July 2021![]()
Challenger bank Starling has taken the crown in our latest banking customer service poll, with digital rival Monzo coming a close second and former champion First Direct knocked into third place. -
Energy price cap could be extended beyond 2023 and households given personalised switching advice under new Government plans
23 July 2021![]()
The energy price cap, which limits how much suppliers can charge households on poor value standard variable tariffs (SVTs), could be extended beyond 2023, while households on those tariffs will be given personalised switching advice, under new plans announced by the Government today. -
Martin Lewis explains the financial help you can get if you've been 'pinged' and told to self-isolate by the Covid app or NHS Test & Trace
22 July 2021![]()
Over 600,000 people in England and Wales were 'pinged' and told to self-isolate by the NHS Covid-19 app between 8 and 14 July, new figures show. If you're one of them, there's a range of financial support you could get. -
Royal Mail warns of delivery delays across 10 areas as workforce hit by Covid-19 absences - here's the full list of postcodes affected
22 July 2021![]()
Royal Mail has warned that households in 10 areas of England, including Blackpool and Worthing, could face delays to to both parcel and letter deliveries as staff members have been forced to self-isolate due to Covid-19. Here's what you need to know and what you can do if you're facing delays. -
Coronavirus Employees' Help
22 July 2021![]()
If you're worried about work during the coronavirus crisis, this guide looks at your rights as an employee including who's eligible to be furloughed.
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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
