Poll

So are we a nation of savers or debtors?  Take any unsecured debt (ie, EXCLUDING ANY MORTGAGE/STUDENT LOAN) away from any savings and where do you end up? Whether you've "net worth" or "net debt", pick your relevant option:

Whether you want better service, better rates or just free cash – changing your day to day bank account can be well worth doing (see Best bank accounts). But have you done it?… When did you last switch bank account? Please choose the option CLOSEST to your situation.

It's cheap, and environmentally friendly, yet some people think only new will do. Please select ALL of the items that you would be happy to buy second hand, if it was decent quality and cheaper.

Pay is big news, with many bigger companies having to report their gender pay gap. Normally in the consumer world if you’re unhappy with something, you should politely complain. We wanted to test whether this applies in the world of work too. Have you ever asked for a pay rise (disregarding any company-wide annual rises)? Please select the CLOSEST option to your situation.

You’ve had a stay, used the room, the water, and the sheets. Yet did you leave empty-handed? Whether it’s complimentary shower gels, tea bags or towels, we want to know what you’ve taken away, with or without permission (whether explicit or assumed). Of course some of the things taken are downright dodgy - we very much don’t condone theft - we just want to know if you’ve done it. Please tick all of the items you’ve trousered from a hotel room without specifically paying for them.

Whether it's down to customer behaviour, cost-cutting or both, banks are closing branches left, right and centre. This year alone, RBS/NatWest is to close 259 across the country - a quarter of its network. So this week, we wanted to know when you last used your main bank's branch. We last did this poll a year ago, so let's see if things have changed. Please select ONE option under the relevant category.

UK house prices have risen seven times faster than the average young worker salary since the 1990s, making homes far less affordable now than they used to be, especially for young people. So please select the option CLOSEST to your situation. If in a couple and you own together, answer for you both.

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.

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.

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.