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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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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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Updated. Should you join diesel compensation claims?
Against Audi, BMW, Ford etc
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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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Students urged to apply for university funding now if they plan to get a place via 'clearing' – don't wait for your A-level results
30 July 2021![]()
Prospective university and college students who plan to go through a process known as 'clearing' to get onto a course should not wait for their exam results before applying for student finance. -
Over £28bn in old coins and bank notes still to be cashed in - here's how to make yours spendable again
30 July 2021![]()
More than £28 billion worth of paper £5, £10, £20 and £50 notes are still to be cashed in, while just over £100 million worth of old 'round pound' coins are also yet to be returned. Here's how to make your old notes and coins spendable again. -
Coronavirus Universal Credit & Benefits
30 July 2021![]()
If you're suddenly unable to work due to the coronavirus crisis, or you've been laid off, this guide looks at what benefits you can claim, what you're entitled to under universal credit plus tells you how to make a claim. -
Coronavirus Self-Employed & Small Limited Company Help
30 July 2021![]()
If you're worried about work during the coronavirus crisis, this guide looks at your rights if you're self employed, including what help's there for limited company directors. -
Coronavirus Travel Rights
30 July 2021![]()
The coronavirus outbreak is causing major travel disruption around the globe
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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
