Shopping

The Money Moral Dilemma, or MMD, where we ask you to debate and discuss cash-related conundrums sent in by your fellow MoneySavers, has been a staple of MoneySavingExpert's famous Money Tips Email for 17 years now, making its debut on 25 October 2006, when a then fresh(er)-faced Martin asked: 'What's fair rent for working children living at home?'

My name is Katie and I’m a shopaholic.  It may surprise you to know that someone at MSE Towers can be guilty of spending on things they don’t need. But as with everyone, we all have money-saving work to do. For those with a spending habit, this season can be particularly difficult, as new products are launched, sales are pushed at you from every angle, and discounts are deeper than at any other time of year. For those with mental health challenges, it’s even worse.

There's nothing like watching your child take their wobbly first bike ride – the only issue is as soon as you buy your wannabe Laura Kenny one bike, they seem to outgrow it and need another. One solution to this, The Bike Club, lets you rent decent cycles from £5/month (plus joining and other fees), then swap them once they're too small. It's a nice idea, but can it really beat buying? We've crunched the numbers...

Right, some of you know the drill by now, but if you don't, here it is. While working at MoneySavingExpert means I help others save money, when it comes to my own cash, I'm usually in a muddle. But now I'm looking to unmuddle myself and, in the process, motivate fellow MoneySavingIdiots. Previously, I've covered train delays, overseas travel and credit scores. This week: reclaiming cash (kind of).