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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:
29 March 2023
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Martin's 5-minute Wallet Workout
GAIN pounds
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Avoid the savings tax trap
From higher-interest fixes
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Pet insurance going cheep...
Hot deals comparisons miss
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Fixed energy deals are back
Should you?
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Martin: 'Urgent tax reclaim deadline'
Must-see video
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MSE's epic Easter egg taste test
Can cheap choc beat posh?
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Aldi 40% off code
For outdoor items
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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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Thousands of single bus journeys in England to be capped at £2 until 30 June - here's all you need to know
1 April 2023![]()
The fare for thousands of single bus journeys in England will be capped at £2 until 30 June 2023. -
Stamp prices to rise by up to 16% – but there's a way to beat the hike
31 March 2023![]()
From Monday 3 April, the cost of first-class stamps will be hiked to £1.10, while second-class stamps will increase to 75p. -
Going through the menopause? You'll be able to get your HRT prescriptions for less from 1 April - here's how
31 March 2023![]()
People going through the menopause in England will be able to access cheaper HRT prescriptions from 1 April with a new 'season ticket'. -
Bulb customer? Octopus has now completed its takeover – here's what you need to know
31 March 2023![]()
Octopus has agreed a deal with the Government to take over the failed supplier. -
Eight more 'banking hubs' to open in a bid to boost access to cash as high street branches close – here's a full list of the 47 planned hubs
31 March 2023![]()
Eight more 'banking hubs' are to open in the UK in the coming year, aiming to boost people's access to cash and other financial services as bank branches continue to disappear from the high street.
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Martin Lewis: Is it time to ban unnecessary Christmas presents?
5 December 2022![]()
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... -
Martin Lewis: The one thing everyone aged over 66 needs to know
29 November 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.
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Clever ways to calculate your finances
