Before spending, use Martin’s Mantras. If you answer 'NO' to any, then don't buy!
Do I need it?
Can I afford it?
Have you checked prices elsewhere?
Will I use it?
Is it worth it?
Free protection for all shopping!
There's a little-known piece of legislation that turns any credit card into a financial self-defence superhero. 'Section 75' of the Consumer Credit Act means your plastic must protect anything you buy for more than £100 for free, so if there's a problem or the company goes bust, you can still get your money back.
And although Section 75 doesn't apply to debit cards, there is something else to fall back on if you've paid using a debit card, or used a credit card for a purchase under £100. Known as Chargeback, this is part of banks' and card companies' internal rules and not a legal requirement. Read full details of Section 75 or Chargeback, plus how to claim, in our guides.
What the * means above If a link has an * by it, that means it is an affiliated link and therefore it helps MoneySavingExpert stay free to use, as it is tracked to us. If you go through it, it can sometimes result in a payment or benefit to the site. It's worth noting this means the third party used may be named on any credit agreements.
You shouldn’t notice any difference and the link will never negatively impact the product. Plus the editorial line (the things we write) is NEVER impacted by these links. We aim to look at all available products. If it isn't possible to get an affiliate link for the top deal, it is still included in exactly the same way, just with a non-paying link. For more details, read How this site is financed.
Duplicate links of the * links above for the sake of transparency, but this version doesn't help MoneySavingExpert.com:
Families with disabled children will be able to withdraw up to £2,500 from Child Trust Funds (CTFs) or Junior ISAs without first needing court permission, in a move by the Government to try and reduce the financial burden for parents and guardians with vulnerable kids.
Under the special administration there is no change to your supply and any credit balances will be protected. If you're on prepay, you can also continue to top up as normal, while if you're in the process of switching to or from Bulb, this will also proceed as planned.
Hundreds of thousands of Post Office savers need to have payments, including their benefits, wages and pensions, paid into a different account from 1 March 2022. That's because from this date, the Post Office will only accept digital deposits into savings accounts from a so-called 'linked' current account.
Neon Reef and Social Energy Supply, which have over 35,000 household customers between them, have become the latest energy providers to cease trading – meaning 19 domestic energy suppliers have gone bust since September.
Around 19,000 people who get tax credits, child benefit or guardian's allowance paid into a Post Office card account need to take action urgently as HMRC will stop making payments into these accounts after 30 November.
Update September 2017: It’s eight years since I first braved this subject, expecting a snowstorm of protest. Instead, year after year more join in, like Julia who recently tweeted me, “@MartinSLewis, finally took your advice and told my family I can’t afford Christmas presents. What a weight off my mind. Thank you.” One year even the Archbishop of...
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This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances and remember we focus on rates not service.
We don't as a general policy investigate the solvency of companies mentioned (how likely they are to go bust), but there is a risk any company can struggle and it's rarely made public until it's too late (see the Section 75 guide for protection tips).
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