NEWS: 14m due £700 Car Finance back, cheapest Brit Gas fix since 2021 ends, 'Should I pay my child's tuition fees?', new 1% cashback card, £290 M&S beauty £60, new FREE £200 bank switch

Plus... Prime Day deals, free wills, grab £500 of credit card freebies, Underpaid on minimum wage?

                                                           

07 October 2025 | View in browser

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THE TOP TIPS IN THIS EMAIL Urgent. Only 13,000 cheapest switches left in our Big Energy Switch Event - Ending: Cheapest Brit Gas fix since '21 - Cheapest from top-service firm Octopus - Cheap EDF smart prepay tariff - Analysis: Cheap fixes vs Price Cap NEW BEST-BUY: 1% cashback card Are you underpaid on minimum wage? STOP PRESS. Huge Car Finance News New. FREE £200 bank switch cash £290 of M&S beauty £60 Ending. Amazon Prime Day deals/duds Video: 'Should I pay child's tuition fees?' Video: 'Should I start pension at 17?' FREE WILL if you're 55+ Ending. Grab £500+ of freebies? Martin: 'Govt should find/fix 100 small things that piss people off, such as...' £90 Kärcher window vac £48 FREE English Heritage family day pass Martin Pod: ENERGY QUESTION TIME Morrisons 'up to 50% off' toys £135 prescription specs/sunnies £37 Got a money question for Martin? Unhappy with claims management firm? 'I got £3,000 Council Tax refund - thanks' Ikea deals round-up, eg, 'Up to 60% off' This week's best buys: 35mth 0% debt shift, 4.5% savings, 40GB Sim £4/mth Money Moral Dilemma: Should I go to my friend's family about the cash she owes? BEST BUYS & TOOLS MSE Cheap Mobile Finder Credit Club including free credit report 0% balance transfers Compare broadband deals MSE Compare+ Car Insurance Best bank accounts Top savings accounts Credit cards for bad credit Credit Card Eligibility Calculator Loans Eligibility Calculator Mortgage comparison Compare travel money Cheap Energy Club Best Sim-only deals

Urgent! Only 13,000 switches left Big Energy Switch Event Cheapest British Gas fix since 2021 & by far today's cheapest fix. Lock in 15% under the Price Cap (many save £300+/yr) Last week, we launched our first Collective Switch since the energy crisis. Already 37,000 switches for the main British Gas tariff have gone - we had 40,000 and have managed to get 10,000 more so it's likely to be done within a day or two. A Collective Switch is a regulated process which allows 'member groups' to invite energy firms to bid to offer special deals that undercut what they offer elsewhere. We did. They did. This is the result. It offers by far the cheapest fix available, which gives a serious saving and is from a big energy beast. I picked three fixes - meaning you lock in a rate so it's guaranteed not to rise for a set time, giving you peace of mind of price certainty. That's unlike the Price Pants Cap tariffs most homes are on right now, which rose 2% last week (and are strongly predicted to stay high across winter and beyond).  Whoever your provider is, if you're on the Cap, you could save £100s. On the back of sending our email announcing this last week, I was chuffed to get Sam's email a few days ago: "A success story for MSE's Cheap Energy Club. A lot of friends and family are on the Pants Cap. We used the tool (which is very good, as it automatically fills in the info for you), and it's collectively saved my household £200/yr, my parents £500/yr, my partner's mum £400/yr, my partner's dad £300/yr and my partner's grandparents £400/yr! Thank you Martin." The three MSE Big Switch winners All have agreed to MSE Enhanced Service Eng, Scot, Wales (not N. Ireland - see N. Ireland help) Are you 'eligible' to get one of these? Almost certainly, YES! While rules say it must be 'members only', we define our members as all signed up to get the MSE weekly (ie, this) email by Fri 26 Sept, plus those signed up to our Cheap Energy Club by then. When you click a link below, it'll take you to our full comparison (as your exact prices & winner depend on usage and location). If you're not already signed up to Cheap Energy Club, ensure you use the email address you get this email sent to, in order to get these tariffs. A few people had bugs with this, we think they're fixed, so try again, but if it's not, urgently contact energyclub@moneysavingexpert.com. None of these tariffs requires you to have a smart meter. WINNER 1: Cheaper-than-the-market's cheapest.  British Gas 14mth fix for both new & crucially existing customers. This is the cheapest BG fix since Sept 2021 and is an average 15.2% less than the new 1 Oct Price Cap.  Existing BG customers can get it too, so it's a no-brainer for them... and if you're on a BG fix already, it won't charge you early exit fees to switch to this. Early exit penalties: £50/fuel. How many left? At the time of sending, 13,000 switches. We launched with 40,000 last week, and persuaded it to increase that by 10,000. So as you can see the remainder could go quickly & almost certainly far before next Monday's cut-off. A backup: We've arranged an exclusive 13mth fix with British Gas, at 12.2% less than the Price Cap (still a top tariff, and cheaper than any BG fix direct). It's just gone live and we have 10,000 switches of that too. As it's not a Collective, anyone going to our energy club can get it - there's no membership requirement. WINNER 2: Cheapest from the top service firm.  Octopus Energy 10mth fix for new & existing customers. I picked Octopus as frankly it's a really popular firm, primarily due to its customer service, which is top rated. This is cheaper than any fix Octopus has available direct and is an average 10.3% less than the Oct Cap. Existing Octopus customers can get it, and if you're already fixed with it, it won't charge you early exit fees to switch to this. Early exit penalties: £25/fuel. How many left? At the time of sending, 27,000 switches. We launched with 50,000 last week, so it may go before next Mon's cut-off. WINNER 3: Cheap smart prepay & pay on receipt of bills. EDF 13mth fix for new & existing customers. I went for this bid, as while the other two only allow monthly Direct Debit payments for newbies, this allows those, plus a wider range of payment methods too.  At an average 11.3% less than the Oct Cap, it's the cheapest smart prepay & payment on receipt of bills fix. It's also cheaper than any EDF fix available direct. Existing EDF customers can switch to it, but those who are already fixed would need to pay early exit fees to switch, so factor those in. But it can't charge you exit penalties within the last 49 days of the fix (nor can any firm). Early exit penalties: £75/fuel. How many left? This is uncapped, so switches will continue until the cut-off, next Mon (13 Oct) at 8.59am. PS: The saving is slightly more for pay on receipt of bills and slightly less for prepay, as the Price Cap varies depending on payment method. All three have agreed to 'MSE Enhanced Service'. That means if there's an issue, go to the energy firm first, but if it doesn't sort things, contact our Cheap Energy Club and we can and will escalate it and try to help. All three include £20 dual-fuel MSE cashback. Unlike other sites, we don't default to hiding tariffs that don't pay us to facilitate a switch. Instead, we show the whole market, but when we get paid to switch you, we give you a chunk of it as cashback and factor it in, meaning those that pay us are relatively cheaper, so you're more likely to switch to them. Win-win. PS: We didn't see a price war. Last week I said there was an outside chance one or two (likely smaller) firms may cut their prices to regain their position at the top of our comparison. They did cut prices, but still not enough to compete with the British Gas deal. So at the time of writing, it's still by far the market's cheapest on average. What happens if you're in credit when you switch? Your old energy provider should pay you all the credit you're owed within eight weeks of you no longer being its customer. You will need to give a final meter reading to ensure everything is as it should be. If you're in debt, then it's usually fine to switch, as long as it's not huge, but there are no hard rules except for prepay, when it's a £500 debt per fuel maximum. Of course, you will still have to pay back the money you owe (you may be able to sort out a repayment plan if needed - ask it). Analysis: These cheap fixes are predicted to very substantially undercut the Price Cap The Price Cap rate moves every three months, due to moves in wholesale costs (see how to check whether I'm on the Price Cap), and it increased by 2% last Wed (1 Oct). The Cap limits the max Standing Charges and unit rates firms can levy - see new Price Cap rates. The next Cap starts on 1 Jan, but as it's all time-lagged, the price you'll pay then is based on average wholesale costs from mid-Aug to mid-Nov. The current prediction is Jan's Cap will be a smidge lower than Oct's, and as we're already halfway through the assessment period, the current predictions can move but likely won't by too much. That means it's highly likely all these fixes should be considerably cheaper than the Cap across the high-use winter months. After that, predictions are more crystal ball-gazing, but currently analysts predict the Cap will rise substantially in April. All this means is that it would take a huge fall in worldwide energy prices for you not to be better off fixing, and in the very unlikely event that did happen, and you wanted to take advantage of far lower prices, you could just pay the early exit penalties and leave. Specialist tariffs worth considering Fixes are the easy peace-of-mind option. Yet there are alternative models, though some of them are tough to display via a traditional comparison site, so here's a quick checklist to see... Low user? EDF's tracker has lower Standing Charges. It's essentially a price cap, but with £50/yr lower Standing Charges. It's good, but ONLY for very low users (eg, under roughly £80/mth use). Got an electric car? Consider a special electric vehicle tariff. There are fixes which give cheaper rates for charging your car. Sophisticated user? Rapid price-change tariffs can lead to big savings. Tariffs such as Octopus's Agile or Tracker see price changes either daily or hourly. For those comfortable with this, especially if you can shift usage patterns or have storage batteries, it can mean big savings. Got solar panels? Is an all-in-one deal cheaper? Some firms give you better solar panel rates if you get your energy supply from them too. Our guide takes you through who it's worth it for (and who it isn't). Help to cut bills or if you're struggling to pay Of course, cutting the cost of the energy you use isn't the entire answer. Using less is the other way to cut bills. We've lots of detailed guides to help... Can you cut bills by cutting your use? - 70+ ways to save energy includes a mix of tips. - Energy mythbusting covers less clear-cut issues. - Heat the human, not the home for those really struggling. What to do if you're struggling to pay. It's always worth talking to your energy firm first. There can be hardship & debt grants from suppliers. For far more guidance, see our full What to do if you're struggling to pay energy bills guide.

 

 

DON'T believe the fake 'Martin Lewis' or 'MSE' ads Lots of scam ads litter social media and even newspaper websites - some of these lie that we or Martin promote Bitcoin, binary trading etc. See Fake ads warning.

 

 

 

MASSIVE BEST-BUY: The top way to spend at home & abroad New. Get PAID when you spend, with an unlimited 1% cashback, plus near-perfect exchange rates abroad The first longer-lasting non-Amex fee-free 1% cashback card launched for three years Many people think of credit cards as debt cards. That's one of their functions, true. Yet pay the card off IN FULL each month (preferably by Direct Debit) and you neuter its interest-charging ability, and it becomes just 'a way to pay'. The new Lloyds Ultra Visa credit card is a stonking best-buy if you do that, as done right there's no interest and you're paid each time you spend. It's FEE-FREE and available to new & existing Lloyds customers. The link goes via our eligibility calc, so you can see if you're likely to be accepted (protecting your credit score in case it's not worth you bothering). Here are the three reasons it's so strong... Earn 1% cashback on spending for a year. Pay for something on the card and you'll get 1% cashback. Crucially, unlike with most other cards, Lloyds Ultra cashback isn't capped, so use it for all your normal everyday spending and any planned one-offs (it does have the standard exclusions such as gambling, foreign currency and online trading). This is decent extra cash: £1,000/mth of family spending would earn you £120/yr cashback (paid each Jan). Of course, you must pay it off IN FULL each month to avoid the 12.9% rep APR interest. No other non-Amex cards are close (more on Amex below). The Chase debit card was, but now the cashback's only on UK grocery, transport & fuel spends. And Virgin's credit card offers 1%, but only for 3mths. After a year, Lloyds' cashback falls to 0.25%, so it'll likely be beatable then, so remember to check that. Earn 1% cashback on overseas spending too, and get near-perfect exchange rates. The card's a specialist overseas card so, unlike most cards, it doesn't add 3% on to the exchange rate, meaning spend on it abroad and you get the same near-perfect rate in every country as the bank does. Quite a few other cards do this too (see top overseas cards), but none gives you such good cashback, so combined it's the new top pick. The only negative is you're charged interest on ATM withdrawals even if you repay IN FULL (spending abroad is interest-free if fully repaid), so it's far better to spend on the card abroad, not withdraw cash. It has hugely powerful Section 75 protection. As it's a credit not a debit card, you get valuable Section 75 protection on all spending, again both UK and abroad, on top of the normal chargeback all cards have. This means buy something costing £100 to £30,000 and pay for any of it (even 1p) on the card and the card company is jointly liable with the retailer for the entire amount if anything goes wrong. Shorter-term bigger American Express (Amex) cashback, if you've a lot of spending coming. Amex cards tend to pay higher cashback, as they charge retailers more, but for that same reason they're less widely accepted - most big stores take them yet many independents don't. The Amex Cashback Everyday fee-free credit card gives an unbeatable 5% cashback, currently boosted to 5mths, max £125 (usually it's 3mths, max £100). The cashback's paid after a year, but ONLY if you spend £3,000+/yr on it. After the five months, it's a decent 0.5% cashback up to £10,000/yr spending, and 1% above. Do pay it off IN FULL each month or it's 29.7% rep APR interest. See our full Amex Everyday review. When Martin says pay off IN FULL, he means IN FULL, not nearly in full. There's a reason it's Martin's catchphrase. With £1,000 spending debt on a credit card, if you clear the whole lot in a month, there's no interest. Yet pay off £999.99, and you'll usually pay interest on the whole £1,000, not just the 1p left.

 

STOP PRESS. Huge Car Finance Reclaiming News - 14m to be paid £700 compensation. As we press send on this email, the FCA has just announced its planned redress scheme. All info will go here... Martin Car Finance news analysis info & video. New. Barclays FREE £200 bank switcher cash. New switchers can now grab Barclays' FREE £200* plus perks such as Apple TV+ (normally £10/mth; included with Barclays' £5/mth fee), while those earning over £75,000/yr may be able to get a free £400. Full pros, cons & eligibility criteria in our Best current accounts guide. £290 of beauty in £60 M&S Advent calendar. Mega popular with MoneySavers - but you must spend £35+ on clothing, beauty or homeware to be able to buy it. Launches Thu - peek inside the M&S beauty Advent calendar now. Ends Wed. Amazon 'Prime Big Deal Days' - sort deals from duds, including £85 off Ninja air fryer, £14 off AirPods 4, £38 off Sonos speaker & 20% off Amazon Resale. See full 'Prime Big Deal Days' analysis. Under 30, or a parent of someone who is? Two snippets from last week's Martin Lewis Money Show Young Person's Special - watch the full show on ITVX. New Video. 'Martin, should I pay my daughter's tuition fees so she doesn't need a student loan?' Having already explained the 1st priority is the 'parental contribution' for living costs, Martin takes this on. New Video. 17-year-old: 'Martin, what's a pension & should I start thinking about one now?' FREE WILL if you're 55+. It's Free Wills Month, which lets those aged 55+ get a new or updated free solicitor-drafted will, in the hope they'll leave a bequest (a donation on death) to a partner charity (eg, Age UK, Marie Curie, NSPCC). Locations include Birmingham, Liverpool, Manchester, much of Wales, Newcastle, N. Ireland & Southampton. Not 55+? Help & options in our Cheap & free wills guide. Ending. Can you grab over £500 of freebies at no cost? FREE £225 with Amazon, M&S etc, PLUS £10/mth Deliveroo cashback AND four airport lounge passes. If you've not had an Amex card in 2yrs & open its Preferred Rewards Gold card by next week (14 Oct) you'll get a boosted 45,000 points if you spend £5,000+ on it in the first 6mths, worth a whopping £225 in Amazon, M&S or Sainsbury's vouchers. There's also 2 x £5 cashback on Deliveroo orders a month & 4 airport lounge passes. It's a strong deal for bigger spenders but only do it if you'll always pay the card off IN FULL each month, or the 29.7% rep APR interest dwarfs the rewards. Note the card is only fee-free in the first year, from the 2nd there's a hefty £195/yr fee - so you may want to cancel then. Full Amex Gold review Martin Video. 'The Govt should find 100 small things that piss people off & fix 'em, such as...' Martin was at Politico's Labour fringe event, where in a powerful video, he explained that as big change takes time, govts should also have a team focused on small winnable change. Watch Martin's little fixes for big change video. £90 Kärcher window vac £48 with code. MSE Blagged. 6,000 available. Kärcher Totally FREE English Heritage family day pass (normally £40ish). Go quick, as there's a limited number available (54,000). England only (obvs). English Heritage ENERGY QUESTION TIME PODCAST! Time to fix? (Spoiler: YES!) | How do I get credit back? | Are Smart Meters thick? Let Martin take you through everything you need to know about energy bills, step by step, in his new Energy Question Time podcast. It's great listening & could save you large, especially if you aren't on a fix or a special deal. Listen on BBC Sounds | Apple | Spotify etc.

 

 

BLAGGED FOR MSE - £90 Kärcher window vac £48 6,000 available - £135 Ted Baker specs or sunnies £37 Ends Fri 31 Oct	DID YOU MISS? - Keep potatoes in the fridge? 15 ways to stop wasting food - 300,000 fewer homes have a TV licence - do you need one? - Disney+ hikes prices again - can you cut costs? - Shift credit card debt to 0% for a whopping 35mths - Free first-aid training from British Heart Foundation & Red Cross

 

 

Are you on minimum wage? Whether paid hourly or on salary, check you're not one of 100,000s being underpaid! Even big names, eg, Pizza Express, Lidl, British Airways and Halfords, have got it wrong The minimum wage has increased by 50% for some over the past three years - with a full-time worker on it now typically getting £22,000+/yr. Yet the Low Pay Commission still estimates 370,000+ were underpaid in April 2024 (the most recent figures), so it's crucial to know your rights. Full info in our Minimum wage: Are you being paid enough? guide, but let's briefly run through what you need to know. UK statutory minimum wage rates since 1 April 2025 Aged 21+: £12.21/hr (equivalent to £22,222/yr at 35hrs/wk) Aged 18 to 20: £10/hr (equivalent to £18,200/yr at 35hrs/wk) Apprentices & under-18s: £7.55/hr (equivalent to £13,741/yr at 35hrs/wk) This applies to all workers, including those on salaries, not just those paid hourly How you may've been underpaid on or near minimum wage. Scan through our summary of the major problems here, and if any may apply to you, read the full info in our Minimum wage: Are you being paid enough? guide. Most common breach #1: UNIFORM, TOOLS, SAFETY & CLOTHING. If you must buy them, the cost shouldn't take what you get below the equivalent minimum wage over your pay period (eg, over a month, if paid monthly). Most common breach #2: YOU SHOULD BE PAID FOR ALL WORKING TIME. Eg, overtime, security checks, handover meetings, opening up, being on call & more. If you get less than minimum wage once these are factored in, you're owed. CAN'T 'TOP UP' YOUR INCOME WITH TIPS OR OVERTIME. These must be on top of minimum wage. COMMISSION ONLY? Employers must top up with a salary to meet the minimum wage if you don't earn it. ACCOMMODATION COSTS? Pay can only be reduced by a maximum £74.62/wk below minimum wage if your employer provides accommodation. This includes charges such as rent, gas, electricity, furniture and laundry. NOT A 'REAL' APPRENTICESHIP. 18+ and apprenticeship has no structured training? You may not count as an apprentice therefore it should pay you more - it can't have it both ways.  ENSURE YOU GET THE MINIMUM WAGE RISES. It should increase every April, plus it should increase on your 18th and 21st birthdays, taking effect in your first full pay period after the change. If you think you aren't (or weren't based on old rates) paid enough under these rules, you've a legal right to be paid more, and to back pay. It can be simple to do - though isn't always - and you can usually remain anonymous when complaining, as explained in how to claim back underpaid minimum wage. Don't think: 'I work for a big firm, so it must be correct.' More than 500 companies - including big names such as Pizza Express, Lidl, British Airways and Halfords - were recently named by the Government in a 2025 list of firms that failed to correctly pay their employees before 2023. Some explained why and spoke about complexities, but even so, it shows no matter the company or employment agency, don't assume it got it right... You're also likely entitled to an automatic pension (and your employer must contribute). All employers, big and small, must automatically opt in employees aged 22 to 66 who earn over £10,000/yr to a pension, and the employers must contribute to it - see Martin's don't miss out on a hidden pay rise blog. If you're younger, older or earn less, then as long as you earn over £6,240/yr then you can ask to be opted in, and your employer must still add to it - see Martin's Under 22? How to get a hidden pay rise blog on that.

 

Morrisons 'up to 50% off' toy sale in stores. Pre-Xmas toy sales are often the cheapest time to buy, and Morrisons is the latest to start. Also see Tesco & The Entertainer sales. £37 Ted Baker prescription specs or sunnies (normally £135). MSE Blagged. £37 for the basic set-up - you can pay to upgrade lenses etc. Via SpeckyFourEyes code. Got something about money you want Martin to explain? Send over your suggested questions & he may answer it in a new series of videos. Using a claims management firm (for car finance or owt else)? You've rights if you're unhappy. Regulators are cracking down amid concerns over firms' misleading adverts & other poor practices. See claims firm rights. 'I got a £3,000 Council Tax refund thanks to your guidance.' Success of the week. Bee emailed last week: "I had my Council Tax band lowered after following the helpful guidance in your How to check & challenge your Council Tax band guide. I'd put off doing this for years but finally did it late last year. It's taken about 10mths to get a decision but resulted in a refund of just over £3,000. Thank you." If we've helped you reclaim or save (on this or owt else), please tell us about it. Ikea deals round-up: 'Up to 60% off' sale ends Sun | £1 weekend breakfast | £10 off for students.

 

 

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AT A GLANCE BEST BUYS 0% balance transfers Longest 0%: Barclaycard (check eligibility) DEFINITE 35mths 0%, 3.45% fee, 24.9% rep APR interest No-fee 0%: Barclaycard (check eligibility) up to 14mths 0%, 24.9% rep APR interest Best bank accounts Free '£210': TSB Spend & Save Free £200 + perks: Barclays Bank Account Broadband top picks Fast fibre (100Mb+): Vodafone '£21/mth' Superfast fibre (500Mb+): Sky '£25.67/mth' On Universal Credit or similar? Check all discounted social tariffs Cheap insurance Car: Use our Compare+ Car Insurance tool Home: Try our Compare+ Home Insurance tool Cheap loans £5,000 to £7,499: Santander (check eligibility), 6.9% rep APR interest £7,500 to £15,000: Tesco Bank (check eligibility), 5.8% rep APR interest (must have a Clubcard) Top savings accounts Top easy-access savings: Chase 4.5%, min £1 (newbies only) Top easy-access ISA: Trading 212 4.51%, min £1 (newbies only) Top one-year fix: FirstSave 4.45%, min £1,000 Top energy deals Use our whole-of-market Cheap Energy Club Cheap Sims Up to 3GB data: Sky, '£1/mth' for 1GB 4GB to 9GB data: Lebara, '£3.45/mth' for 5GB 10GB to 30GB data: Lebara, '£3.62/mth' for 10GB 31GB+ data: iD Mobile, '£3.92/mth' for 40GB

 

 

MSE NEWS - Top story: Government vows to make home buying and selling 'cheaper and easier'

 

 

MONEY MORAL DILEMMA Should I approach my friend's family about the money she owes me? I loaned a friend a significant sum to help her out. We agreed on a date for her to pay me back, but when it arrived she said she didn't have the money and got upset when I asked why. She then paid half back, but I've heard little from her since. She has family she could borrow from to pay me the rest, but she won't ask them. I've thought of approaching them myself, but if I do that and they don't want to get involved, I'll almost certainly never get it back as my friend will be angry that I went over her head. Yet as it stands, I'm losing the friendship and the money anyway. What should I do? Enter the Money Moral Maze: Should I ask my friend's family for the money I'm owed? | Suggest a Money Moral Dilemma (MMD) | View past MMDs

 

 

MARTIN'S APPEARANCES (TUE 7 OCT ONWARDS) Wed 8 Oct - Good Morning Britain, on car finance, ITV1, 8.20am Thu 9 Oct - Ask Martin Lewis, BBC Radio 5 Live, midday Tue 14 Oct - This Morning, phone-in, ITV1, 10.20am

 

 

Important. Please read how MoneySavingExpert.com works We think it's important you understand the strengths and limitations of this email and the site. We're a journalistic website, and aim to provide the best MoneySaving guides, tips, tools and techniques - but can't promise to be perfect, so do note you use the information at your own risk and we can't accept liability if things go wrong. What you need to know 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). We often link to other websites, but can't be responsible for their content. Always remember anyone can post on the MSE forums, so it can be very different from our opinion. Please read the Full Terms & Conditions, Privacy Policy, How This Site is Financed and Editorial Code. Martin Lewis is a registered trade mark belonging to Martin S Lewis. More about MoneySavingExpert and Martin Lewis What is MoneySavingExpert.com? Founded in February 2003, it is now the UK's biggest consumer help website, with more than 12 million users each month and about 8.5 million receiving this email. In September 2012 it became part of the MoneySupermarket Group PLC. Its focus is simple - saving cash and fighting for financial justice on anything and everything. The site has over 80 full-time staff, more than a third of whom are editorial - researching, analysing and writing to continually find ways to save money. More info: See About MSE. Who is Martin Lewis? Martin Lewis CBE is the founder and executive chair of MSE, as well as the founder of the MMHPI charity. He's an ultra-focused MoneySaving journalist and consumer campaigner with his own prime-time ITV programme The Martin Lewis Money Show, Radio 5 Live Wednesday show Ask Martin Lewis and weekly slot on This Morning, among others. More info: See Martin Lewis' biography. What do the links with an * mean? Any links with an * by them are affiliated, which means get a product via this link and a contribution may be made to MoneySavingExpert.com, which helps it stay free to use. You shouldn't notice any difference; the links don't impact the products at all and the editorial line (the things we write) isn't changed due to them. If it isn't possible to get an affiliate link for the best product, it's still included in the same way. More info: See How This Site is Financed. As we believe transparency is important, we're including the following 'un-affiliated' web-addresses for content too: Unaffiliated web-addresses for links in this email barclays.co.uk Financial Conduct Authority (FCA) Note MONY Group Financial Limited is authorised and regulated by the Financial Conduct Authority (FCA FRN: 303190). MoneySavingExpert.com Ltd is a company registered in England and Wales. Company Registration Number: 8021764. Registered office: One Dean Street, London, W1D 3RB. MoneySavingExpert.com Limited is an appointed representative of MONY Group Financial Limited. To change your email or stop receiving the weekly tips (unsubscribe): Go to: www.moneysavingexpert.com/tips.