Poll

We can tell you how to save the most from Cheap Train Tickets, but to find out if they’re any good, we need your help. Taking into account your whole experience – price, speed, reliability, comfort and service – please rate the operators you’ve used regularly over the past YEAR.

Are the days of sweet-talking check-in staff to get a free upgrade to premium economy, business, or first class, long gone? Many airlines now sell spare upgrade capacity at the desk. So we want to see how common they are. Please answer the closest to your situation for flights in the past two years.

We believe travel insurance is a necessity for holiday travel abroad. Yet both away and in the UK - do you risk going without it? For more help, see our Cheap Travel Insurance guide. Please select the option which is the closest to your situation.

So who are MoneySavers? Rather than data-mining, we decided the politest way to find out was just to ask. Plus we thought 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 first annual MSE census. Please answer the following 10 questions.

Home is where the heart is – and it’s also at the heart of many of our bills. How big a call on your income are your housing costs? (If you’re a couple/family please answer as a group.) Please select the closest answer to how much you spend as a proportion of your HOUSEHOLD TAKE-HOME SALARY/INCOME (after tax, but include any benefits received as income).

In the last five years, credit checking has become far more important. It decides whether you get mortgages, contract mobiles, credit cards, even whether you can pay for energy the cheapest way. One small error on your files, which are held at Callcredit, Equifax and Experian, can cause havoc. So how often do you check? Which is the nearest to your situation? PS. For help, see how to boost your credit score.

The recession’s over, or so we’re told, and the bounce back is starting. Does this mean you’ll be taking a holiday this summer? And if so, does the cost of travelling mean you'll break out in a cold sweat? Which option is CLOSEST to your plans? If you’re taking more than one trip this summer, answer for your main one.

Voting is one of the most important choices we make as consumers. Yet even though last week’s Euro elections were the most hotly-contested for years, only just over 1 in 3 people eligible to vote did so. So we want to know if you did vote - and if not, why not? Please select the answer which is CLOSEST to your situation.

A Swiss referendum to introduce a 22-franc (c.£14.66) per hour minimum wage, proposed by unions to promote "fair salaries for workers in the lowest-paid professions", was voted down on the grounds that a state intervention may hurt the economy. If you were setting the UK's minimum wage, what would it be? Which is closest to your view on the minimum wage FOR UK OVER-21s?