Amy Roberts

Senior Money Writer

As one of MSE's Money writers, Amy's main topics include student loans, credit scoring, budgeting and buy now, pay later. Having worked at MSE for over a decade, Amy has covered everything money related over the years, from mortgages and pensions, to investments and reclaiming.

Before joining MSE in 2013, Amy worked as a Senior Features Writer at Financial Adviser (a Financial Times business publication), and was also a Senior Reporter at Post, a magazine from the insurance industry, after qualifying as a journalist in 2009.

As a busy mum of three, Amy spends any spare time she has running the streets of her home town Norwich, or attending a dance class – a hobby she has continued since she was three years old.

Amy has been recognised twice at the British Insurance Brokers' Association Awards – she was named runner-up for the Online Award in 2011 and was highly commended in the Trade Feature Award category in 2012. She was nominated for the General Insurance Journalist of the Year at the 2010 Association of British Insurers Financial Media Awards, for Trade Newcomer at the 2012 Santander Media Awards and for General Insurance Journalist of the Year at the 2012 Headline Money Awards.

Latest from Amy Roberts

Nothing's as certain as death and taxes. Yet while there's no doubt we'll all be taxed, the rates can change rapidly. This guide covers income tax thresholds, the personal allowance, national insurance and more for the 2025/26 tax year.

13 January 2026

Many have student loan repayments automatically deducted from their wages each month, and assume all is well. Yet 100,000s accidentally overpay their student loans each year, often without realising. Here's how to check if you're one of them and, if so, how you can reclaim £100s, or even £1,000s.

12 January 2026

7 January 2026

Student loan interest is now 6.2% - should I panic or pay it off?

You leave university, looking forward to your future, then spot your student loan statement. There's a sinking feeling as you see £1,000s of added interest. Yet student loan statements can be dangerously misleading. They've led some into making catastrophic financial decisions. For most graduates, bizarrely, interest isn't relevant. Ignore it, and it'll go away.

6 January 2026

Taking a day to cut your bills saves many people £1,000s over the year. And unless you earn £100,000s, doing a money makeover can be the next best way of putting some extra aside – something that's really important during this cost of living crisis. So check your bills NOW and see if you can save £100s on broadband, mobiles, food and more by working through your finances one-by-one to ensure you've the best deal on everything.

5 January 2026

The cost-of-living crisis means more and more people are struggling with debt. But even if you're struggling to make ends meet, your debt problem isn't unsolvable. It might not be easy or quick to resolve, but there's always a route. And the earlier you tackle your debts, the easier they are to deal with. Our four-step guide shows you where to start and how to get free one-on-one help.

5 January 2026

The problem with most budgets is they don't work. While they look at a typical month's spending, what about birthdays, that tooth filling you have to pay for and other one-offs? This guide gives you some helpful tips and tricks and includes a free Budget Planner, which analyses your finances to help you manage and control your cash.

5 January 2026

Children in a classroom sitting at blue desks, some have their hands up asking to answer a question.

Financial education is simply about learning how money works. It's a vital life skill yet it's one many of us miss out on.

29 December 2025

18 December 2025

Small claims (now often simply called 'court claims') can be a low-hassle way to take legal action for up to £10,000 against a firm or individual in the UK. In this guide we've full help on small claims court procedure, including how to work out whether you've got a strong case – important, as, if you lose, you WON'T be refunded your fees, plus you may have to pay costs for the other side. We cover how to make a claim, look at small claims court fees, and show how to maximise your chances of winning.

9 December 2025

Jar containing coins with a label reading "retirement" on it.

Saving for retirement is crucial. Many of us typically only work about 45 years out of an 85(ish)-year lifespan - so that work income needs to cover those non-working years. Pensions also have two big superpowers – tax relief means the Government tops up your pension pot and, if you're employed, your employer often must do the same, resulting in a 'hidden payrise'. We talk through what you should know.

26 November 2025

If you're in a financially stable situation yourself and have maxed out alternative savings accounts for your child, then saving into a pension for them could be an option. While they won't be able to access it until they're at least 57, it can help ensure they have a more financially secure retirement. This guide looks at the pros and cons of opening a children’s pension, how much you can save, and which providers offer them.

1 October 2025

Student loans - the truth about uni fees, loans and grants

If you live in Northern Ireland and decide to go to university, you'll be on a different student finance system to the rest of the UK, regardless of where in the country you go to study. There are 11 key things you need to know about how this work if you, or someone in your family, is applying for a 'Plan 1' student loan in Northern Ireland.

25 September 2025

HMRC app: Check income tax, state pension, benefits and more.

If you need to contact HM Revenue & Customs about your Income Tax, Self-Assessment, State Pension, benefits and more, first check if the HMRC app can help. It lets you check and update an array of information and might save you a lengthy phone call. This guide explains how to get the HMRC app and eight of the best ways to use it.

24 September 2025

Wales has had the same student loans system for over a decade, yet there are still misconceptions about how it works, with many students (and parents) worrying about leaving university with £10,000s of debt. But that worry is mostly misplaced. This guide is written to bust common myths about how these 'Plan 2' student loans work for Welsh students who started uni since 2012.

24 September 2025

Woman looking online with some paperwork in her hand

There can't be many more (potentially) profitable uses of time than to spend a bit of it checking if you've any lost pensions – especially for those who worked for lots of different firms over lots of years. Over three million are thought to have gone astray, worth an average of £9,500 each (though some can be far bigger). This guide explains how to find lost or old pensions for FREE, which could help bolster your retirement.

16 September 2025