MoneySaving Polls Results Archive

Have you planned how to finance your funeral?
Funerals/cremations can cost more than £5,000 – and if not planned for can leave stress and cost for family. So we wanted to find out what preparation you have done. Please select the NEAREST option to your view.

Are you part of the cashless society? How often do you use cash?
For some, the days of pockets stuffed with cash are long gone. Contactless cards especially have meant now even small transactions can just be done with a ‘beep’. So we wanted to test how cashless our society is now, and who’s using it. Please tell us which option is NEAREST to your situation.

Energy smart meters: Great tech or a pain in the neck?
Over eight million energy smart meters have been rolled out. They automatically send meter readings to your supplier for you, so you don’t have to. Yet many have issues, including the fact that if you switch, they revert to being ‘dumb’ meters. See our Smart Meter guide. So what’s your opinion? Please select ALL the options that are closest to your view under the relevant category.

How do you rate your broadband provider?
We can tell you which the cheapest broadband providers are, but to keep the customer service ratings updated, we need your help. Please rate your BROADBAND provider on customer service (not price) over the past SIX MONTHS. Switched broadband recently? Rate the provider you were with the longest over the last SIX MONTHS.

How do you rate your bank account's service?
Every six months we ask for your help to track the quality of customer service provided by banks. By comparing your answers with last time, we can see which have got better or worse. So, please vote based on CUSTOMER SERVICE for your main CURRENT account over the last SIX MONTHS. Ignore rates or any other products, and service if it's more than six months old.

Is it OK to use a 2for1 voucher on a first date?
It’s Valentine’s, so we want to know if it’s acceptable to use a 2for1 restaurant voucher on a first date. We’ve asked this over previous years - so let’s see if attitudes have changed. (PS: Yes we know splitting the bill/the woman paying are more than valid options, but that’s a poll for another day…) Imagine Robert asks Ashley to dinner on a first date, saying he’ll pay. When the bill comes, he pulls out a 2for1 voucher – what advice would you give Ashley?

Will you spend on Valentine’s? If so, how much?
Depending on your view… either love is in the air on Valentine’s Day, or we’re all victims of a commercial construct to push us to pay money to demonstrate our affection. So let’s see how much you’re planning to spend. Please estimate your total spend for Valentine’s and all related activities (incl presents, special dinners, outings, trips etc).

Do you have a will? If not, why not?
If you want to dictate where your assets go when you die, you need a will. Die without one and on top of the grief, it can cause a financial nightmare for the people you care about. A will can be made cheaply, and sometimes for free (see our Cheap Wills guide). So do you have a will and if not, why not? Please select ALL of the options that apply to you. PS: Thanks to @JodieRamsdens for suggesting this.

Are you data greedy? How much do you use on your mobile?
With the growing use of social networks, streaming services, gaming and more all done on mobiles, we wanted to see how much data you crunch in a month. How much data (via your 3G or 4G signal not Wi-Fi) do you USE in a typical month? If unsure, check your data usage settings or your mobile bill.

How much are your basic necessary outgoings each year?
Martin often suggests you keep three to six months’ worth of basic outgoings as an emergency cash fund if you’re debt-free. So we want to find out how much this is for most people. How much do you spend on necessities in a year – incl rent/mortgage, basic food, energy bills, council tax, water bills, credit card/loan repayments?

Do you pay cash in hand for any of these services?
With an increased focus on tax collection, investigations have shown billions of extra revenue could be collected if there were more formal payments for casual work. Yet in many industries cash in hand is still commonplace. Which of the following would you typically pay cash in hand for? For services you use REGULARLY please select whether you pay cash in hand or in a traceable way (eg, cash with receipt/invoice or via cheque, card or bank transfer).

Parcel delivery firms: which are the best and worst?
Now the festive season is over, Santa finally has the chance to rest, yet for parcel delivery firms (which helped) it's business as usual. Over the past few years we've heard a variety of horror stories ranging from no-shows, mis-delivered parcels and even items being left in the bin. So it’s time for our fifth annual poll to sort the good guys from the cowboys... Please rate your experience with each of these firms DURING THE LAST YEAR (don’t rate if you haven’t experienced their services).

How did you fare financially in 2017?
With the year drawing to a close, we wanted to find out if you’re financially better off now than you were at the start of January 2017. Whether you saved money, paid off debt, overspent, borrowed, had a pay rise etc, tell us how your household finances fared over the past year. Please select ONE option under the relevant category.

Which celebrity chef would you want to cook your Christmas dinner?
Whether you plump for turkey, goose, ham or a good-old nut roast for your festive meal, which one of these UK-based celebrity chefs would you like to cook it? Which celebrity chef would you want to cook your Christmas dinner (and trimmings)?

What have you switched in 2017?
Sadly, the best deals rarely come to loyal customers. Moving company to a new, hot promotional deal is often (not always) the way to slash costs. So for EVERY category please select whether this year you’ve: - Switched: If you changed a provider/person in this category - Stuck: If you’re with the same provider/person (even if a different offering) - Don’t have: If you don’t have one of these…

Do you eat food past its ‘best before’ date?
This week the East of England Co-op joined the likes of online retailer Approved Food and others in selling food beyond its 'best before' date to try to reduce waste (read more on what 'best before' means). When you find food at home past its best before, what do you do?

If you could cancel Christmas, would you?
Christmas is nearly here. For some it conjures a picture of family, fun and festive frivolity; for others it means stress, present pressure, debt and chores (see Martin's Ban Unnecessary Christmas Presents blog). So if you had a CANCEL CHRISTMAS button that'd make the whole thing disappear (and just add days to your holiday entitlement), would you press it?

How do you rate your energy provider’s recent service?
Winter's nearly here, the heating's on and while we're all about slashing energy bills (do a five-min comparison to see if you can save), we know service counts too. So twice a year we test recent customer service. Please rate your current supplier's SERVICE (not price) IN THE LAST SIX MONTHS (try to forget issues from before). If you've gas & elec with different firms, rate both.

Have you haggled with Sky, BT, the AA and more this year? Did you succeed?
Haggling with companies can provide big savings – on anything from digital TV and broadband to credit cards, breakdown cover and insurance. Each year we try to gauge the success rates of those who’ve done it. So please let us know whether you’ve gained cheaper prices, extra goods, better deals or reduced interest. Which of these firms have you tried to haggle with IN THE LAST YEAR? (Select as many as you want from the major providers below.)

Do you use banking apps – and which are the best?
There were 159 banking app logins per second last year. And now there are even app-only banks. So we want to know what you think of them. Do consider how easy they are to use, customer service and the range of features, eg, does it just have standard features such as account details and transactions, or does it offer extra features such as budgeting and categorising your spending? Please vote for ALL THE APPS that you've used.

How often do you use cheques?
A new cheque clearing system starts to roll out this week which means cheques will clear no later than the end of the next weekday, rather than taking up to six – and you may soon be able to deposit cheques by sending a picture of them.  Yet are cheques a thing of decline for many? How often do you use a cheque to pay – which of these is nearest to your situation?

Have you had a pay rise in the last year?
The Consumer Prices Index, a key measure of UK inflation, hit 3% in September - the highest it's been since March 2012. So with living costs shooting upwards we wanted to know if your salary (excluding bonuses and assuming you're in work) has kept up with the rate of inflation. Please vote under the category that reflects your annual salary. If paid hourly, weekly or monthly, work out how much you take home roughly each year (before tax). Have you had a pay rise (or if self-employed awarded yourself one) in the last year?

Should pension tax relief be halved to 20% for higher earners?
Pensions are a powerful tax break – allowing and encouraging people to save for retirement from PRE-TAX salary – at a cost to the Treasury of an estimated £35bn/yr. In simple terms… FOR EACH £100 SAVED IT ONLY COSTS A… - Basic 20% rate (salaries c. £11,500+) taxpayer £80 from their pay packet - Higher 40% rate (salaries c. £45,000+) taxpayer £60 from their pay packet - Top 45% rate (salaries c. £150,000+) taxpayer £55 from their pay packet Some argue this is fair as everyone simply saves on paying income tax, others say higher earners do better as their tax gain is at least double. One idea mooted for the Autumn Budget is everyone just gets a 20% tax break, ie, a cut for higher earners, and a saving to the Treasury of over £10bn/yr. Do you think pension tax relief should be cut for higher-rate taxpayers?

Is a degree earnings-enhancing and life-enhancing?
The debate about the cost and value of university rumbles on, so we want to test your ‘big picture’ view. Imagine you were telling a bright 18-year old about whether they should go or not. In general is getting a degree earnings-enhancing and life-enhancing?

Is it time to extend the smoking ban?
There are 1.9m fewer British smokers since the ban was introduced in England, Wales and Northern Ireland a decade ago (11yrs ago in Scotland). The ban makes it illegal to smoke in an enclosed public place and within the workplace, though it doesn't apply to e-cigarettes. Is the ban right and should it be extended more? Please vote for ONE option under the category that applies to you.