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- This never impacts our editorial recommendations – if it's in, it's in there because we independently rate it best.
- You'll always get as good a deal (or better) than if you went direct.
For a more detailed explanation see How MSE is financed.
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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.
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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:
3 December 2024
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The truth about credit scores
Martin's need-knows
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Compare+ Home Insurance
New MSE tool
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Christmas consumer rights
12 must-knows
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5.18% easy-access savings
Up to £20,000
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50p photocard delivered
From Card Factory
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Christmas light running costs
We've crunched the numbers
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Coupons: 'Free' £2 crisps
Plus £2 off pizza
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5 November 2024![]()
It’s a question I’m asked all the time. Many know that current students no longer need to repay their loans 30 years after the April following graduation, yet for those who started university before 2012, there are a variety of options. This information has been a long-term part of my Should I repay my student loan? guide (where... -
Stopcock tips – can you find yours?
15 October 2024![]()
A stopcock is your mains water tap (the off switch). Everyone should know where theirs is, especially at this time of year when pipes can burst due to frost. If you don’t know where yours is, your house could be flooded with water everywhere, while you have no idea how to stop it. -
Martin Lewis on pension credit: What over-66s need to know
24 September 2024![]()
Nearly a million pensioners are missing out on pension credit, a vital benefit worth £1,000s a year for many, which tops up your income.
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15 minutes of fame – how to boost your chances of getting on and winning TV game shows
7 November 2024![]()
We all can shout out the answers on the couch at home, but being in the studio doing it for real is very different. Take it from me – I’ve been on a TV game show recently as well as auditioned for others, and it’s not easy. What is easier than you’d think though, is getting ON...
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