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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:
26 September 2023
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Martin: It's Meter Reading Week
His 9 energy need-to-knows
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Martin's savers alert
After base rate freeze
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Grab 1.5yrs' FREE family insurance
Travel, mobile & breakdown
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FREE Greggs pizza slice & hot drink
Normally up to £4
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14,000 Vax codes
Incl £400 cordless for £100
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Mortgage rates are falling
Is now the time to fix?
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Now FOUR banks pay you to switch
Up to a FREE £210
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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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Mortgage rates fall as Bank of England unexpectedly holds UK rates – so should you fix?
27 September 2023![]()
Interest rates on fixed mortgage deals have been edging down over the past few weeks with some five and 10-year fixes now at below 5%. -
Water bills to rise by less than planned from April 2024 as firms hit with £114 million penalty – here's what we know
26 September 2023![]()
Some water bills in England and Wales could rise by less than planned from April 2024, as 12 water companies have been hit with a collective £114 million penalty for missing targets on pollution, leaks and customer service. -
Ocado shopper? Christmas delivery slots are launching this week – here's what we know
26 September 2023![]()
Ocado is opening up its first round of Christmas delivery slots this week. -
Octopus Tracker energy tariff – could it save you £100s on your energy bills?
26 September 2023![]()
The Octopus Tracker tariff is not right for everyone, but if you're willing to regularly keep track of daily price changes, it could mean big savings. -
Octopus Agile – is it now an energy tariff worth switching to?
26 September 2023![]()
The Agile tariff from Octopus Energy is not right for everyone, but if you use it in the right way, it could mean big savings.
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Martin Lewis: Is it time to ban unnecessary Christmas presents?
11 September 2023![]()
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: Five things all new English university starters should know
4 September 2023![]()
The 2023 academic year is about to start, and it'll see the biggest shake-up to student finance in England for a decade. The changes are both subtle and massive. On the surface they look like a tweak, in practice they will increase the eventual cost of going to university by over 50% for many typical graduates.
Clever ways to calculate your finances
