Interest rates have been kept on hold today as policymakers maintain their "wait-and-see" approach ahead of government plans to tackle the UK's deficit.
Cheap balance transfer credit cards are back in vogue but millions still don't know how to use one properly which has cost them hundreds of pounds a year.
MBNA will end a long-standing credit card stealth charge in the autumn that penalises those who spend on a plastic after making a cheap balance transfer.
Inflation is at a 19-year high meaning virtually every savings account would fail to keep pace with the cost of living were prices to continue rising at this rate.
Most consumers would happily pay in cash to get a discount, even if they knew it would encourage criminal tax evasion, research by MoneySavingExpert.com shows.