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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:
15 September 2021
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SIX banks now pay you to switch
Incl Santander's new FREE £130
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Shift debt to 27 months 0%
At essentially NO FEE
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New. Not great at saving?
Chip auto-save app does it for you at 0.7%
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30 Amazon hacks
Incl free Deliveroo delivery
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Martin's energy warning
'Your bill is about to JUMP by £100s'
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£40 cashback for investing £400
If you plan to 'robo-invest'
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500,000+ water-saving FREEBIES
Eg, £20 shower heads and £5 tap inserts.
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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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PCR tests to be scrapped for fully vaccinated travellers returning to England in October
17 September 2021![]()
Fully vaccinated travellers will no longer need to take a pre-departure Covid-19 test before they depart for England from 4 October. In addition, they'll only need to take a cheaper lateral flow test on arrival to England from later next month under an overhaul to the 'traffic light' travel system. Eight destinations will also come off the red list from 22 September. -
Coronavirus Travel Rights
17 September 2021![]()
The coronavirus outbreak is causing major travel disruption around the globe -
Latest coronavirus 'traffic light' travel update due this week
16 September 2021![]()
The next update of the coronavirus 'traffic light' travel system, used to govern the action holidaymakers take when they return to the UK from overseas, is due to take place this week. This will provide the latest information on which destinations will feature on the Government's 'green', 'amber' and 'red' travel lists. -
Teletext Holidays to pay out £7m in outstanding refunds - here's how to make a claim
16 September 2021![]()
Teletext Holidays and its sister company Alpharooms have agreed to refund £7 million to thousands of customers still waiting to get their money back after their package holidays were cancelled due to the coronavirus crisis. Here's how to make a claim. -
'I'm self-employed but confused about whether I can claim the fifth grant' – Unsure? Here's what you need to know
16 September 2021![]()
100s of self-employed people are confused about what constitutes being “adversely affected” by coronavirus, we have some helpful scenarios to work out where you stand, as well as HMRC’s guidance.
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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... -
Martin Lewis: Why you shouldn't worry too much about your credit score – it’s not actually a real thing
14 June 2021![]()
When it comes to finances, numbers are key – whether it's what you earn, your credit card balance or the interest rate on your mortgage, small changes can add up to a big difference. Yet there's one number you shouldn't pay too much attention to – your credit score.
Clever ways to calculate your finances
