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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:
19 January 2022
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Martin's money makeover
22 ways to save you £2,022 in 2022
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Holidays are back
Find the cheapest way to spend abroad
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'I was due £3.4k/yr in universal credit'
Are you missing out on what you're entitled to?
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FREE £2.50 almond milk
Plus FREE £1.80 crackers and more
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Don't bin post from Barclaycard
Some are getting cheques worth up to £300
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Ends Sat. £5 off £15 at McDonald's
Or get 20% off delivery orders
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Cheapest iPhone 13 deal we've seen
128GB iPhone 13 with 100GB/mth of data
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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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Boots launches new discount scheme for Advantage card holders - here's how it stacks up
19 January 2022![]()
The high street retailer has brought back its 'Price Advantage' initiative that it trialled last summer, which offers up to 50% off selected products. -
Virgin Media offers automatic discounts to customers waiting on hold and seeking a price cut - but wait to speak to someone in person as you may be able to get a better deal
19 January 2022![]()
Virgin Media is offering automated discounts to cable customers put on hold who call up seeking a price cut, MoneySavingExpert.com (MSE) has learnt, although we've heard of users securing far better deals if they stay on the line and haggle in person. -
Lloyds Bank ordered to settle two-year-old Section 75 claim involving PayPal - here's how you can fight for a refund too
19 January 2022![]()
Lloyds Bank has been ordered by the Financial Ombudsman Service (FOS) to settle a so-called 'Section 75' claim that is almost two-years old after the high-street lender tried to avoid making a payout because the items were bought via PayPal. -
Martin Lewis: Pay more than £10/mth on your mobile bill? You’re probably burning cash – here’s how to cut costs
18 January 2022![]()
Bill payers may be surprised to learn that if they’re paying more than £10 a month for their mobile phones, they may be burning through cash. That’s the message from MoneySavingExpert.com (MSE) founder Martin Lewis this week as he offers tips on cutting the costs of your phone bill. -
Together Energy ceases trading – here's what it means for your gas and electricity
18 January 2022![]()
Together Energy, including its subsidiary Bristol Energy, has ceased trading. In total, the two brands have about 176,000 household customers between them. If you're affected, your supply will continue and credit balances are protected. While it's likely you'll pay more now, there are no savings to be had by switching.
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Martin Lewis: I averaged 25,437 steps a day (burning 3,993 calories) in 2021 – here's how...
10 January 2022This is my sixth annual steps blog. My well-documented obsession with the 'quantified self' is showing no sign of abating. According to my tracker, I did 9,284,614 steps (nearly 400,000 more than last year) – a ridiculous, hopefully healthy obsession. -
Martin Lewis: What makes us human – the sharing of ideas and knowledge
29 November 2021![]()
I was invited on to BBC Radio 2 Vine's 'What Makes Us Human' programme. The brief: "write then read out an essay on one unique element of humanity, interspersed with some autobiographical notes". -
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.
Clever ways to calculate your finances
