Subscription services are multi-billion pound businesses. Many know once they hook you in, you don't leave – that's why they offer you free trials to suck you in (see Martin's free trial and Amazon Prime blogs). So we've selected a range of major subscription brands and categories and want to know if you get value out of them. Please select all subscriptions that you pay for and how often you use them, under the relevant age group.

There’s a lot competing for our cash, yet many put holidays near the top of the pile. So we wanted to see how much of your income you spend on them. How much AFTER-TAX income do you spend on all your holidays (UK and abroad) in one year?

This week Tesco announced it is removing best-before dates from over 100 fruit and vegetable products in an effort to reduce waste (see what best-before means). So when you find food at home past its best-before date, what do you do?  

These days, when many refuse to pick up coppers from the ground, how much would it have to be for you to bend down and pick up money lying around? Choose the option that’s closest to what you’d do:

Retailers love us to have a relationship with them. Indeed, many feel an almost intimate connection with some brands, but wouldn't be seen dead crossing others' thresholds. So let's see… Please pick up to FIVE that you love and up to FIVE that you loathe...

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?

Haggling 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.)

As classrooms open for another year, buying new school uniform can be a costly exercise – especially if you aren't allowed to shop around for it. So does your child's school let you buy from supermarkets, or are you restricted to a specific shop? Which of these is closest to your situation? You can vote in each category if you've got children in different schools.

So who are MoneySavers? For the fifth year running, rather than data-mining, we reckon the politest way to find out is just to ask. Plus we think you may like to find out a little bit more about who else uses this site (or more accurately, who uses this site and answers the polls). Welcome to the fifth annual MSE census. Please answer the following 11 questions.

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.