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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:
22 September 2021
We put all the latest deals in our weekly Money Tips email. Released every Tuesday - don't miss out!
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Martin's energy crisis emergency help
His nine latest need-to-knows
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Best balance transfer deals in 2yrs+
Get up to 31mths 0%
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How to thrive on a student budget
As the new academic year starts
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£100+ off via grocery codes
Incl £10 off Sainsbury's
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Ending. Covid self-employment grant
Last chance to apply
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50+ beauty lookalikes
Eg, £14 No7 powder vs £35 Charlotte Tilbury
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Top easy access savings 0.6%
Min £1,000
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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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Martin: Student loan costs may rise £400/yr
27 September 2021![]()
Martin Lewis has AGAIN warned the Government against possible retrospective changes to the terms and conditions of existing student loan contracts. In a new video, the MoneySavingExpert.com founder responds to reports of a possible shake-up to student loans, which could see the earnings threshold you start repaying at cut, costing many £400/yr more. -
Avro Energy and Green cease trading – here's what it means for your gas and electricity
27 September 2021![]()
Energy suppliers Avro Energy and Green have become the latest firms to cease trading, affecting more than 800,000 households. If you're with either firm, your energy supply will continue and credit balances are protected. But DON'T switch now – sit tight and wait until your new supplier has contacted you. -
British Gas, E.on and Scottish Power open Warm Home Discount schemes for this winter - how to apply and get £140 off your energy bill
27 September 2021![]()
Households on a low income and in receipt of certain benefits may be able to get £140 off their energy bill this winter under the Warm Home Discount scheme. It comes as major suppliers, including British Gas, E.on and Scottish Power, have reopened their schemes for 2021/22. -
Coronavirus Self-Employed & Small Limited Company Help
27 September 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
27 September 2021![]()
The coronavirus outbreak is causing major travel disruption around the globe
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Five things EVERYONE should know about student finance
21 September 2021![]()
There are more myths and misunderstandings about student finance than any other subject. So in this blog is my updated 2021/22 version of the must knows, with links to far more info. -
Is it time to ban Christmas presents?
14 September 2021![]()
Update September 2017: It’s eight years since I first braved this subject, expecting a snowstorm of protest. Instead, year after year more join in, like Julia who recently tweeted me, “@MartinSLewis, finally took your advice and told my family I can’t afford Christmas presents. What a weight off my mind. Thank you.” One year even the Archbishop of...
Clever ways to calculate your finances
