Poll

Your credit file can dictate not just whether you get mortgages, credit card deals, contract mobile phones or cheap energy tariffs, but sometimes even the rate. A small error on your files at credit reference agencies Experian, Equifax or Callcredit can cause havoc, so checking your file is important. When did you last check your credit file?

The world is richer than it used to be, but do you feel it? Taking into account both wealth and income (and factoring in inflation) how do you think you stand compared with your parents? Are you richer than your parents were AT THE SAME AGE?

In the lull between Christmas and New Year, we’ve decided to have a bit more fun with this week’s poll. Two years ago you told us that your favourite crisps are cheese and onion; now we want to find out which sweet treats float your boat. So which of the following is your favourite chocolate? (Where a brand has more than one variety eg, Aero and Aero Mint, we’ve just included one). Please vote for UP TO THREE of your favourites below (if yours is missing, feel free to vent in the forum discussion).

It's Christmas, so we're going to ditch our usual poll and have a bit of fun. Star Wars, now hitting the flicks, had a fearsome baddie in Darth Vader, but who is your favourite film villain? Please vote for UP TO THREE of your favourites below (if yours is missing, feel free to vent in the forum discussion).

Call centre haggling can provide big savings – whether it be digital TV, broadband, credit cards, breakdown cover, insurance and more. Each year we try to gauge the success rates of those who've done it. So please let us know whether you 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.)

With the festive season upon us, parcel delivery firms are zipping around the UK helping out the big man in the red suit. Yet sadly parcel delivery horror stories abound - ranging from no-shows to “they threw the goods over the fence” or “they lied that we weren't in”. So it’s time for our 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).

It's nearly here. For some it conjures a picture of smiling children, fun, family and festive frivolity; for others it means stress, present pressure, debts and chores. (Also see Martin's Ban unnecessary Christmas presents blog). So if you had a big red CANCEL CHRISTMAS button that'd make the whole thing disappear (and just add the days to your holiday entitlement), would you press it?

It seems the landline is dying with more and more people relying on a combination of their mobile phones and internet connections. But has it died yet? We last ran this poll in 2012 and wanted to see if anything's changed. How many of your (non-work) calls made and received are on your home phone compared to mobile/web calls?

Winter’s nearly here, so it's time energy bills come to the forefront of your mind (most people are overpaying £250+/year - check the Cheap Energy Club to see if you can save). So we want to do our regular check on service… Please rate your current supplier’s SERVICE (not price) over the last SIX MONTHS. If you’ve gas & elec with different firms, please rate both.

Currently couples who struggle to have children may be able to get up to three cycles of IVF treatment on the NHS. Yet some regions are discussing cutting that to one cycle or even stopping it altogether. Should the NHS fund IVF treatments – which of these is closest to your opinion?