Food & Drink
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:
5 October 2022
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New. Free £200 in time for Christmas
Biggest upfront bank switch bribe since 2017
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Martin's 'Should I start overpaying my mortgage?' help
Plus boosted mortgage overpayment calculator
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New. Top fixed savings now pay 4.56%
Highest since 2012, with easy access up to 2.5%
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Second cost of living payment coming
Will you get it?
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Is a 10-year fixed mortgage worth it?
They're now cheaper than 2yr ones
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New. 15GB data Sim just '£4.62/month'
Cheapest we've ever seen
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Amazon 'Prime Early Access Sale' starts next week
Our predictions, eg, 50% off Alexa?
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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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Shell Energy to pay an extra £150 this winter to customers getting the Warm Home Discount – here's what you need to know
4 October 2022![]()
Shell Energy will pay an extra £150 to over 150,000 of its customers who get the Government's Warm Home Discount this winter – meaning those eligible will get £300 in total from both payments. -
Barclays launches 5.12% linked savings account - here's how to get it
4 October 2022![]()
Barclays' has launched a new linked "Rainy Day Saver" savings account for Blue Rewards members, which pays 5.12% interest on balances of up to £5,000 – over double the top open-to-all easy access account. You need to jump though a number of hoops to get it though. -
Second benefits cost of living payment to start on 8 November – here's who's eligible, how much you'll get and if you need to apply
4 October 2022![]()
Millions of the UK's poorest households will start to receive the second half of their £650 cost of living payment from 8 November. -
Mortgage rates: what you can and should do (if anything) amid the market turmoil
4 October 2022![]()
At the start of the week, several major lenders pulled their deals from the market completely. Since then, many others have either withdrawn their fixed-rate offers or replaced them at hugely increased rates. As the market turbulence continues, here's what you can do. -
Rates on 10-year mortgage fixes are cheap right now – should I be locking in for longer?
4 October 2022![]()
Homeowners have increasing reason to consider longer term mortgages over shorter deals, as the cost of borrowing grows.
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Martin Lewis: The one thing everyone aged over 66 needs to know
9 August 2022![]()
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.
Clever ways to calculate your finances
