Pudding, patios & petunias – this week's MSE Forum highlights

Buckle up – a heatwave is heading for much of the UK this weekend. For sharing or finding tips on staying cool, cheap daytrips to the beach, making your own ice lollies and the like, the MSE Forum has your back. In the meantime, here are some highlights from this week.

Photos of the week

MSE Forumite TallGirl took advantage of an 'MSE Blagged' flower deal featured in the Money Tips email earlier this year. The flowers are now thriving in the summer sunshine, as these photos show.

The MSE Deals team sometimes arrange exclusive plant or flower deals. Look out for them in the Money Tips email or on their home and garden deals page.

Please note: We love seeing your photos in the MSE Forum, but if you're uploading one, make sure it doesn't include any personally-identifiable information such as your face or address.

Money Moral Dilemma

Every week, the Money Tips email features a real-life Money Moral Dilemma (MMD for short). They're intended to encourage debate and, as such, they're usually among the most discussed threads each week.

Can I keep using my NHS discount card even though I've left the service?

I used to work for the NHS and, when I did, I bought a discount card for NHS staff. The scheme verifies your employment then entitles you to discounts from a lot of companies. I've left the NHS now, but the card's valid for two years and doesn't offer refunds. The T&Cs don't specify what happens in this situation - can I continue to use the card, as I bought it legitimately, or should I stop as I'm technically no longer eligible?

You can find out what our MSE Forumites think and add your own two cents on the Money Moral Dilemma discussion thread. Remember the MSE Forum rules: keep it kind and keep it clean. Remember, there's a real person behind every Money Moral Dilemma.

Got a Money Moral Dilemma of your own? Email us at MMD@moneysavingexpert.com and it could be featured.

Latest comping wins

One of the most frequented boards, Competitions Time, is where compers come to find and share competitions. There are countless success stories, but here is a picture of one of the most recent. MSE Forumite AC55 won hair straighteners worth £100 and Ms_Dee won sun lotion.

Ahead of the weekend heatwave, this SPF lotion (left) is a timely win

Your two cents

Have you applied for a credit card or personal loan and NOT ended up with the advertised APR? If so, how much higher was the APR instead? We're keen to know your stories, so please add them to the relevant thread: ever applied for a credit card and not got the advertised APR? or applied for a personal loan and not got the advertised APR?.

If you're not a member yet, it's easy to register for the MSE Forum.