Two in five card payments are now made using contactless – up 31% in 2018. Yet the maximum amount you can spend using contactless is just £30 (barring some using Apple Pay), which is done to cap spending if someone takes your card. What would you like the limit per transaction to be?

Early retirement talk was once all the rage. Now, with the state pension age rising (to 67 by 2028), retirement expectations are changing rapidly. Please select one option CLOSEST to your realistic hopes for completely giving up work.

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.

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.)

We can tell you which are the cheapest broadband providers, but to keep our 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.

Love is in the air… well, maybe, it's the week of Valentine's Day at least, so time for our traditional poll. Is it acceptable to use a 2for1 restaurant voucher on a first date? We've asked this in previous years – so let's see if attitudes have changed. (PS: Yes we know splitting the bill is a valid option too, but that's a poll for another day…) Imagine David asks Alex to dinner on a first date, saying he’ll pay. When the bill comes, David whips out a 2for1 voucher – what advice would you give Alex?

Imagine a friend offered to sell you a perfectly valid £100 gift card which doesn’t expire for two years. What’s THE MOST you would be willing to pay for it? We’ve picked two dozen popular shops – please answer for all of them if possible.

The UK is set to leave the European Union on 29 March (see our Brexit help guide). So we wanted to test your sentiment about Brexit and its effect on your pocket, rather than the general economy. Of course exactly how we'll leave (or possibly even if) is still a matter of much debate, so this is more a gut reaction to leaving – based on what we know – than an examination of the specifics. So how do you FEEL your finances will be affected – which of these is closest to you view?

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 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.

When is it right or wrong to borrow? Are some things more acceptable than others – where is the line between flippant purchases and core needs – or is it more about long-term investment in your home or happiness? We've listed 20 options and want to know which you feel is appropriate to borrow for, or if it's appropriate to borrow at all. We've included some disguised lending such as paying for your mobile phone or car insurance monthly – in effect a loan. Please select YES or NO for each option under the relevant category.