Halifax

Credit cards have a dirty name due to debt, but used right they're free financial armour. If you're buying something costing £100+, put just 1p of it on a card to get huge extra protection. This has just paid off for long-time MoneySaver Scott Parsley, for paying £300 of a £26,000 car on a credit card got him £10,000 back once he discovered it was faulty.

The pound's hit it's best rate against the euro for eight years, meaning holidaymakers tripping to Europe find it far cheaper than in recent memory. Currently it's hovering around £1 buys €1.43 - €1.44, a year ago it would've bought you just €1.24.

The financial crisis in Greece and ensuing euro worries mean the pound is currently buying €1.41 – a seven year record high. This would've been unthinkable this time last year when you'd have done well to get €1.25 and two years ago when €1.17 would've been worth whooping about.

Nationwide credit card customers will no longer be charged for going over their limit from today, while the way it charges interest for those with balance transfer credit cards is also changing. But will other credit card providers follow suit?

British holidaymakers heading to France, Spain, and Greece right now are finding life out there far cheaper than in previous years. The pound is at near record highs with £1 buying €1.39 – a huge rate compared with this time last year, when it was €1.20 or two years ago when it was €1.15.