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Amy Roberts

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

Tax codes 2025/26
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.
7 April 2025
free uniform tax refund
If you wear a uniform at work and have to wash, repair or replace it yourself, you may be able to reclaim £100s of tax for up to five years of expenses. You can reclaim whether it's just a branded T-shirt or if you're a fully uniformed pilot, police officer or nurse. Do not pay a claims firm, as their charges can eat up most of what you're due, or even leave you out of pocket – do it yourself for FREE.
7 April 2025
Student loan interest is now 7.3% - 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 April 2025
Student loan repayment
In April 2021 Scotland introduced its own student loan repayment plan, separate from the rest of the UK, to replace its existing plan 1 loans. This easy-to-follow guide is for Scottish students who started uni since September 1998 and have a plan 4 loan with the Student Awards Agency Scotland (SAAS).
6 April 2025
Student loan repayment
If you took out an old 'mortgage style' student loan between 1990 and 1997, you might be wondering whether overpaying is a good idea. With many of these loans due to be written off in the next couple of years and many, especially those who can't afford to pay back, deferring their payments – the answer is 'no'. This guide explains who has these loans, when you do and don't have to repay and whether you should ever consider overpaying. 
6 April 2025
Small claims court.
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.
5 March 2025
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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. 
18 February 2025
Should I consolidate my pensions?
If you have two or more private or workplace pensions, consolidating some or all of them in the same place can have benefits, though there are things to consider before deciding if moving them is the right option. This guide gives you an overview of what you need to think about when combining your pensions – and where to go for free guidance.
4 February 2025
Financial advisers
Taking financial advice does come with a cost. But when it comes to making life-changing financial decisions, it might save you money in the long run. This guide will help you understand what a financial adviser is, whether you need to use one and how to find one. Plus, most importantly, how much it'll cost.
4 February 2025
Student budgeting planner
There's lots to think about when you go to uni, and sorting your budget should be a top priority. Student maintenance support, designed to help cover the cost of rent, transport, food, household bills and other outgoings, isn't always enough. Knowing what you have to spend each week is essential... here's how to do it.
23 January 2025
Do a money makeover
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.
20 January 2025
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The Financial Services Compensation Scheme (FSCS) doesn't just protect your savings. If you've an insurance, investment or pension product with a regulated company that's gone out of business, you may also have FSCS protection. It could prevent you from being left £1,000s or even £10,000s out of pocket – even if the company went bust decades ago.
24 September 2024
Knowing which student loan plan you're on is crucial as it affects how much interest you're charged, how much you repay and when your loan's wiped. And which system you're on depends on when you started uni, as well as where you're from originally.
17 September 2024
Student loan repayment
Over 2.5m English and Welsh students who started uni before August 2012, and Northern Irish students who started since 1998 are currently paying back their Plan 1 student loans. But the simple question of whether you should pay off your student loan early if you've got extra cash, depends on whether or not you've other debts. 
3 September 2024
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The income threshold that reduces the amount high earners can contribute to a pension is set to rise from £110,000 to £200,000.
11 March 2020