Before spending, use Martin’s Mantras. If you answer 'NO' to any, then don't buy!
Do I need it?
Can I afford it?
Have you checked prices elsewhere?
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:
A viral post being shared on Facebook and Twitter alongside a photo of Martin Lewis claims people can "fight extortionate price hikes" by submitting complaints and subject access requests to their energy supplier – but it's nothing to do with Martin or MSE.
Several major lenders have increased how far in advance existing borrowers can lock in a new mortgage deal as interest rates rise. It comes as many homeowners look to start the process of lining up a new mortgage earlier than usual, hoping to get a cheaper deal and stay ahead of future rate rises after the base rate hit 1.75% last week – its sixth increase since December 2021.
It is a national tragedy that getting on for a million pensioners, many of whom have been paying into the system for years, are missing out on a critical boost to their income. It's called pension credit, and this year it also means you get an extra £650 to help with energy bills.
Update 17 July 2017: We tend to think since Brexit that the pound’s weaker than it has been for decades. While somewhat true against the dollar, against the euro it’s only a tad worse now than when I first wrote this in 2014. The logic of this blog stands just as strongly now. On the Spanish-English website...
We think it's important you understand the strengths and limitations of the site. We're a journalistic website and aim to provide the best MoneySaving guides, tips, tools and techniques, but can't guarantee to be perfect, so do note you use the information at your own risk and we can't accept liability if things go wrong.
This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances and remember we focus on rates not service.
We don't as a general policy investigate the solvency of companies mentioned (how likely they are to go bust), but there is a risk any company can struggle and it's rarely made public until it's too late (see the Section 75 guide for protection tips).
Do note, while we always aim to give you accurate product info at the point of publication, unfortunately price and terms of products and deals can always be changed by the provider afterwards, so double check first.
We often link to other websites, but we can't be responsible for their content.
Always remember anyone can post on the MSE forums, so it can be very different from our opinion.
MoneySavingExpert.com is part of the Moneysupermarket Group, but is entirely editorially independent. Its stance of putting consumers first is protected and enshrined in the legally binding MSE Editorial Code.