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?

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).

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).