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We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the
Forum’s rules. Thank you for your understanding.

? Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
[H1] Welcome to the MoneySavingExpert Forum
We're a friendly community of MoneySavers sharing our experiences and tips to help each other out
[H2] Category List

Banking & Borrowing

[IMG: Credit cards]
Credit cards
A place to discuss all things credit card-related with other MoneySavers.

[IMG: RSS Feed]

83.6K discussions
628.9K comments

Most recent: M&S threatening letter saying account will be closed- overdue payment 0.00 (yes ZERO) by martinbainbridge1975
Today at 7:50AM
Sub-categories: Stoozing: free cash from credit cards

[IMG: Loans]
Loans
Discuss all types of personal loan. Remember MSE's stance on loans: 'borrow as little as possible, repay as quickly as possible'.

[IMG: RSS Feed]

38.6K discussions
315.1K comments

Most recent: Second Charge Loan with Declaration of Trust by sourcrates
15 May at 4:57PM

[IMG: Savings & investments]
Savings & investments
Discuss premium bonds, regular savings accounts, autosaving apps, shares and much more.

[IMG: RSS Feed]

105.1K discussions
1.2M comments

Most recent: Cash money not being invested into my interactive invested sipp fund? by super_reds
Today at 7:50AM
Sub-categories: ISAs & tax-free savings

[IMG: Budgeting & bank accounts]
Budgeting & bank accounts
Discuss bank accounts, banking apps, budgeting hacks and how to organise your money.

[IMG: RSS Feed]

57.3K discussions
629.4K comments

Most recent: Chase increases cashback to 2% by PRAISETHESUN
Today at 8:08AM

[IMG: Credit file & ratings]
Credit file & ratings
Discuss everything to do with credit checks and credit reference agencies.

[IMG: RSS Feed]

19K discussions
131.1K comments

Most recent: Not our debt by Nasqueron
20 May at 10:07AM

[IMG: Reclaim PPI & other insurance]
Reclaim PPI & other insurance
The place to discuss payment protection insurance (PPI) claims and claims relating to other types of insurance.

[IMG: RSS Feed]

31.3K discussions
282.4K comments

Most recent: Financial mis-selling complaint- HD Law by Nasqueron
19 May at 12:57PM

[IMG: Reclaim bank & credit card charges]
Reclaim bank & credit card charges
Share your experiences of reclaiming fees from banks and credit card providers.

[IMG: RSS Feed]

19.7K discussions
177.5K comments

Most recent: Fraudulent transactions - unable to cancel with vendor by born_again
19 May at 8:08AM

Reduce Debt & Boost Income

[IMG: Debt-free wannabe]
Debt-free wannabe
Mutual support and help for those on their journey to becoming debt-free.

[IMG: RSS Feed]

125.8K discussions
4.1M comments

Most recent: Resourcefulness: The budgeter's friend by scandimore
Today at 7:29AM
Sub-categories: Debt free diaries, Debt-free wannabe challenges

[IMG: Bankruptcy & living with it]
Bankruptcy & living with it
To help people who are bankrupt rehabilitate their finances, without judgment.

[IMG: RSS Feed]

51.4K discussions
489.5K comments

Most recent: I had a DRO in 2020, 6 years after on 10th June, Credit help and Barclays help ! by Debtishorrible
19 May at 2:55PM
Sub-categories: IVA & DRO

[IMG: Boost your income]
Boost your income
Share ways to boost your income and make some extra cash with other MoneySavers.

[IMG: RSS Feed]

12.8K discussions
499.6K comments

Most recent: Swagbucks Codes Thread 2026 - CODES ONLY PLEASE by magic_at_mungos
20 May at 4:48PM

[IMG: Ebay, auctions, car boot sales, post & parcels]
Ebay, auctions, car boot sales, post & parcels
For questions about buying and selling in online auctions or at car boot sales and jumble sales, as well as postage stamps, postal services and parcel couriers.

[IMG: RSS Feed]

64.4K discussions
621.2K comments

Most recent: Parcel Label Mix Up by soolin
19 May at 9:00AM

Spending & Discounts

[IMG: Shopping & freebies]
Shopping & freebies
Here you'll find discussions on shopping, groceries, discounts, freebies and more.

297.9K discussions
4.6M comments

Most recent: Daily Mail rewards club thread 4 by Molly4
Today at 7:16AM

[IMG: MoneySaving]
MoneySaving

50K discussions
1.1M comments

Most recent: Lose weight in '26 with Slimming World & SWIP's. by joedenise
Today at 8:04AM

[IMG: Local MoneySaving]
Local MoneySaving
Spotted a bargain in your local area or town? Let other local MoneySavers know!

20.6K discussions
161.8K comments

Most recent: Capital Gains on Inherited Property by poseidon1
18 May at 10:52AM

[IMG: Going out deals]
Going out deals
Spotted a top deal or voucher for a day trip or night out? Found a great pint at a great price? Let everyone know. And if your 'night out' is in fact a special MoneySaving night in with a takeaway in front of a film, we're keen to hear those tips too!

[IMG: RSS Feed]

1.9K discussions
13.3K comments

Most recent: Do you tip in restaurants? by Glad
20 May at 2:13PM

[IMG: Consumer rights]
Consumer rights
Not sure what your consumer rights are? Discussions here cover faulty goods, refunds, reclaims, scams and more.

[IMG: RSS Feed]

53.1K discussions
580.2K comments

Most recent: Holiday ruined by Flugelhorn
Today at 8:09AM

[IMG: Praise, vent & warnings]
Praise, vent & warnings
A place to share your experiences as a consumer with other MoneySavers.

[IMG: RSS Feed]

32.1K discussions
429.5K comments

Most recent: Boots Advantage Points Expired... A bit of a rant by Money_Grabber13579
Today at 12:21AM

Work, Benefits & Business

[IMG: Pensions, annuities & retirement planning]
Pensions, annuities & retirement planning
For help with everything to do with pensions and retirement.

[IMG: RSS Feed]

55.5K discussions
602.5K comments

Most recent: what percentage of equity do you hold in your retirement pension ? by DT2001
Today at 7:57AM
Sub-categories: Topping up your state pension

[IMG: Cutting tax]
Cutting tax
No-one likes to pay more tax than necessary; get help from other MoneySavers to cut your tax bill.

[IMG: RSS Feed]

35.3K discussions
229.9K comments

Most recent: Capital Gains on Inherited Property by poseidon1
Today at 12:44AM

[IMG: Employment, jobseeking & training]
Employment, jobseeking & training
Discuss employment rights, holiday pay and other work issues.

[IMG: RSS Feed]

56.9K discussions
658.9K comments

Most recent: Money Moral Dilemma: Should I return to work early from sick leave, given I'd be paid less? by lincroft1710
20 May at 4:26PM

[IMG: Redundancy & redundancy planning]
Redundancy & redundancy planning
For help with questions about voluntary and compulsory redundancy.

[IMG: RSS Feed]

7.5K discussions
41.8K comments

Most recent: Redundancy insurance and settlement agreement by flaneurs_lobster
20 May at 10:56AM

[IMG: Benefits & tax credits]
Benefits & tax credits
Get help discovering which benefits you are entitled to - and how to claim them.

[IMG: RSS Feed]

76K discussions
681.4K comments

Most recent: Pension credit application - what is savings by whizzywoo
Today at 7:40AM

[IMG: Small biz MoneySaving]
Small biz MoneySaving
Running your own business? This is the place for MoneySaving questions for small traders.

[IMG: RSS Feed]

13.1K discussions
90.2K comments

Most recent: Do customers get more frustrated by lack of updates than by the delay itself? by MyRealNameToo
20 May at 4:24PM

[IMG: Charities]
Charities
For posts that benefit registered charities with the aim to help support them where possible – including sponsorships, donations and more.

[IMG: RSS Feed]

3.3K discussions
17.2K comments

Most recent: Easy fundraising app by tealady
12 May at 6:31PM

Mortgages, Homes & Bills

[IMG: Mortgage-free wannabe]
Mortgage-free wannabe
On your journey to becoming mortgage-free? Share your goals and support others looking to pay off their mortgage here.

[IMG: RSS Feed]

9K discussions
576.2K comments

Most recent: Thank god we paid the mortgage off by ladybird1106
Today at 8:07AM

[IMG: Mortgages & endowments]
Mortgages & endowments
The place to discuss everything to do with getting a mortgage, remortgaging and more.

[IMG: RSS Feed]

112K discussions
727.7K comments

Most recent: What age did you pay off mortgage ? by Consumer3
20 May at 8:36AM

[IMG: House buying, renting & selling]
House buying, renting & selling
For all questions to do with buying, selling, renting and letting homes.

[IMG: RSS Feed]

172.4K discussions
2.1M comments

Most recent: Buying property. Solicitor. by Bigphil1474
Today at 8:00AM

[IMG: Reclaim mortgage fees, council tax, etc]
Reclaim mortgage fees, council tax, etc
The place to discuss your efforts to reclaim money you've overpaid - for example, getting your Council Tax band changed. Share your success stories too!

[IMG: RSS Feed]

4.6K discussions
34K comments

Most recent: Hoorah! Councils improve their online live-in Carer Council Tax discount information by greenspark
19 May at 8:19PM

[IMG: In my home (includes DIY) MoneySaving]
In my home (includes DIY) MoneySaving
Got a question about home improvement, DIY or home appliances? This is the place to get help from other MoneySavers.

[IMG: RSS Feed]

110.2K discussions
808.8K comments

Most recent: Radiator replacement - should we go for higher BTU than needed? by Bigphil1474
Today at 8:08AM
Sub-categories: Flood & storms help & information, Is this quote fair?

[IMG: Energy]
Energy
Discuss utility providers, tariffs, bills and energy-saving tips. Use the main board for electricity and gas, or explore the sub-boards for water bills, heat pumps and other fuels.

[IMG: RSS Feed]

79.1K discussions
815.9K comments

Most recent: Help! Student renting and must arrange own bills by QrizB
Today at 8:02AM
Sub-categories: Water bills, Heat pumps, LPG, heating oil, solid & other fuels

[IMG: Phones & TV]
Phones & TV
Discuss landline phone services and TV subscription packages.

[IMG: RSS Feed]

117.1K discussions
983K comments

Most recent: Sky TV retention deals ( post your haggling successes ) by JSmithy45AD
Today at 7:27AM
Sub-categories: Broadband & internet access, Mobiles, TV MoneySaving

Life & Family

[IMG: Insurance & life assurance]
Insurance & life assurance
This is the place to ask any MoneySaving questions you have about insurance and/or life assurance.

[IMG: RSS Feed]

57.7K discussions
340.4K comments

Most recent: Car insurance auto-renewed, I sold car 6 months ago and don't live in the country anymore by semiphys
20 May at 6:07PM

[IMG: Child support]
Child support
Get help with child support or child maintenance arrangements.

[IMG: RSS Feed]

7.6K discussions
82.9K comments

Most recent: When should I stop paying maintenance? by CurlySue2017
24 April at 1:39PM

[IMG: Disability money matters]
Disability money matters
Get help with MoneySaving questions relating to living with a disability.

[IMG: RSS Feed]

9.9K discussions
136.4K comments

Most recent: PIP review – reuse original answers or reword? by Dizzycap
20 May at 10:55PM

[IMG: Marriage, relationships & families]
Marriage, relationships & families
Discuss the MoneySaving implications of relationships and family life.

[IMG: RSS Feed]

72.5K discussions
2.2M comments

Most recent: will and affects by JD118
Today at 7:08AM
Sub-categories: MoneySaving mums, MoneySaving dads, Deaths, funerals & probate, Pets & pet care

[IMG: Special occasions & other celebrations]
Special occasions & other celebrations
Discover and share MoneySaving ideas for presents and decorations for all kinds of festivals and special occasions.

[IMG: RSS Feed]

30.9K discussions
615.8K comments

Most recent: Money Moral Dilemma: Should I have to pay for my hair and make-up to be my friend's bridesmaid? by Cantandrex
20 May at 12:55AM
Sub-categories: Weddings & anniversaries

Travel & Transport

[IMG: Overseas holidays & travel planning]
Overseas holidays & travel planning
Get help with questions about international travel including package holidays.

[IMG: RSS Feed]

97.3K discussions
899.3K comments

Most recent: Travelling to Malaysia via Dubai by luci
20 May at 10:16PM
Sub-categories: Report holiday deals, bargains & special offers, Flights, currency & car hire, Flight delay compensation

[IMG: UK holidays, days out & entertainments]
UK holidays, days out & entertainments
Want to find a MoneySaving way to enjoy a trip to a theme park or a short break in the UK?

[IMG: RSS Feed]

21.4K discussions
149K comments

Most recent: Harry Styles tour by p00hsticks
20 May at 2:07PM
Sub-categories: Theatre, concert & events tickets

[IMG: Public transport & cycling]
Public transport & cycling
Got a question about finding the best value way to travel in the UK? This board covers buses, coaches, trains, ferries, cycling and more.

[IMG: RSS Feed]

3.9K discussions
50.6K comments

Most recent: Rail travel by SpurRoadTraveler
20 May at 11:14AM

[IMG: Motoring]
Motoring
Cut your car costs: this is the place to discuss motoring MoneySaving.

[IMG: RSS Feed]

139.3K discussions
2.1M comments

Most recent: Money Claim online response by Todd_J_Bonzalez_the_Third
Today at 8:02AM
Sub-categories: Reclaim car finance, Parking tickets, fines & parking

Hobbies & Leisure

[IMG: Competitions Time]
Competitions Time
Share and find new competitions you’d like to enter to win here.

1.3M discussions
3.1M comments

Most recent: Just Won The Ultimate Sport Entertainment Bundle Thanks To Subway®! by Bigboytyson
Today at 7:00AM

[IMG: Old style M

Tip Email

[H2] Get our
FREE Weekly email full of deals & guides - and it’s spam-free

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FAQs
Privacy
Past Emails
Unsubscribe

We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the
Forum’s rules. Thank you for your understanding.

? Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
[H1] Banking & Borrowing
Budgeting, Banking, Cards and Loans, Credit Scores, Reclaim fees & charges
[H2] Category List

[IMG: Credit cards]
Credit cards
A place to discuss all things credit card-related with other MoneySavers.

[IMG: RSS Feed]

83.6K discussions
628.9K comments

Most recent: M&S threatening letter saying account will be closed- overdue payment 0.00 (yes ZERO) by martinbainbridge1975
Today at 7:50AM
Sub-categories: Stoozing: free cash from credit cards

[IMG: Loans]
Loans
Discuss all types of personal loan. Remember MSE's stance on loans: 'borrow as little as possible, repay as quickly as possible'.

[IMG: RSS Feed]

38.6K discussions
315.1K comments

Most recent: Second Charge Loan with Declaration of Trust by sourcrates
15 May at 4:57PM

[IMG: Savings & investments]
Savings & investments
Discuss premium bonds, regular savings accounts, autosaving apps, shares and much more.

[IMG: RSS Feed]

105.1K discussions
1.2M comments

Most recent: Cash money not being invested into my interactive invested sipp fund? by super_reds
Today at 7:50AM
Sub-categories: ISAs & tax-free savings

[IMG: Budgeting & bank accounts]
Budgeting & bank accounts
Discuss bank accounts, banking apps, budgeting hacks and how to organise your money.

[IMG: RSS Feed]

57.3K discussions
629.4K comments

Most recent: Chase increases cashback to 2% by PRAISETHESUN
Today at 8:08AM

[IMG: Credit file & ratings]
Credit file & ratings
Discuss everything to do with credit checks and credit reference agencies.

[IMG: RSS Feed]

19K discussions
131.1K comments

Most recent: Not our debt by Nasqueron
20 May at 10:07AM

[IMG: Reclaim PPI & other insurance]
Reclaim PPI & other insurance
The place to discuss payment protection insurance (PPI) claims and claims relating to other types of insurance.

[IMG: RSS Feed]

31.3K discussions
282.4K comments

Most recent: Financial mis-selling complaint- HD Law by Nasqueron
19 May at 12:57PM

[IMG: Reclaim bank & credit card charges]
Reclaim bank & credit card charges
Share your experiences of reclaiming fees from banks and credit card providers.

[IMG: RSS Feed]

19.7K discussions
177.5K comments

Most recent: Fraudulent transactions - unable to cancel with vendor by born_again
19 May at 8:08AM

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[H2] ? Getting Started

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We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the
Forum’s rules. Thank you for your understanding.

? Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
[H1] Reduce Debt & Boost Income
Making money, Debt-Free Diaries, Bankruptcy, IVAs & DROs
[H2] Category List

[IMG: Debt-free wannabe]
Debt-free wannabe
Mutual support and help for those on their journey to becoming debt-free.

[IMG: RSS Feed]

125.8K discussions
4.1M comments

Most recent: Resourcefulness: The budgeter's friend by scandimore
Today at 7:29AM
Sub-categories: Debt free diaries, Debt-free wannabe challenges

[IMG: Bankruptcy & living with it]
Bankruptcy & living with it
To help people who are bankrupt rehabilitate their finances, without judgment.

[IMG: RSS Feed]

51.4K discussions
489.5K comments

Most recent: I had a DRO in 2020, 6 years after on 10th June, Credit help and Barclays help ! by Debtishorrible
19 May at 2:55PM
Sub-categories: IVA & DRO

[IMG: Boost your income]
Boost your income
Share ways to boost your income and make some extra cash with other MoneySavers.

[IMG: RSS Feed]

12.8K discussions
499.6K comments

Most recent: Swagbucks Codes Thread 2026 - CODES ONLY PLEASE by magic_at_mungos
20 May at 4:48PM

[IMG: Ebay, auctions, car boot sales, post & parcels]
Ebay, auctions, car boot sales, post & parcels
For questions about buying and selling in online auctions or at car boot sales and jumble sales, as well as postage stamps, postal services and parcel couriers.

[IMG: RSS Feed]

64.4K discussions
621.2K comments

Most recent: Parcel Label Mix Up by soolin
19 May at 9:00AM

Back to Top
★
★
★
Meet your
Ambassadors

[H2] Confirm your email address to Create Threads and Reply

[H2] ? Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

[H4] Popular Tags

Website 458
Mag Daily 94
Newsletter 87
Gleam / Sweepwidget 64
Instagram 54
Raffle Site 44
Expert Answered 39
Ask An Expert 39
App 37
? 19
Daily Entry 18
Email 17
Facebook 14
AAE3 11
AAE5 9
AAE1 9
AAE2 6
TikTok 5
AAE4 4
X / Twitter 2
Youtube 1

[H3]

[H2] Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.

Update Your Picture

We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the
Forum’s rules. Thank you for your understanding.

? Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
[H1] Spending & Discounts
Consumer Rights, MoneySaving, Deals, Vouchers & Discounts, Freebies
[H2] Category List

[IMG: Shopping & freebies]
Shopping & freebies
Here you'll find discussions on shopping, groceries, discounts, freebies and more.

297.9K discussions
4.6M comments

Most recent: Daily Mail rewards club thread 4 by Molly4
Today at 7:16AM

[IMG: MoneySaving]
MoneySaving

50K discussions
1.1M comments

Most recent: Lose weight in '26 with Slimming World & SWIP's. by joedenise
Today at 8:04AM

[IMG: Local MoneySaving]
Local MoneySaving
Spotted a bargain in your local area or town? Let other local MoneySavers know!

20.6K discussions
161.8K comments

Most recent: Capital Gains on Inherited Property by poseidon1
18 May at 10:52AM

[IMG: Going out deals]
Going out deals
Spotted a top deal or voucher for a day trip or night out? Found a great pint at a great price? Let everyone know. And if your 'night out' is in fact a special MoneySaving night in with a takeaway in front of a film, we're keen to hear those tips too!

[IMG: RSS Feed]

1.9K discussions
13.3K comments

Most recent: Do you tip in restaurants? by Glad
20 May at 2:13PM

[IMG: Consumer rights]
Consumer rights
Not sure what your consumer rights are? Discussions here cover faulty goods, refunds, reclaims, scams and more.

[IMG: RSS Feed]

53.1K discussions
580.2K comments

Most recent: Holiday ruined by Flugelhorn
Today at 8:09AM

[IMG: Praise, vent & warnings]
Praise, vent & warnings
A place to share your experiences as a consumer with other MoneySavers.

[IMG: RSS Feed]

32.1K discussions
429.5K comments

Most recent: Boots Advantage Points Expired... A bit of a rant by Money_Grabber13579
Today at 12:21AM

Back to Top
★
★
★
Meet your
Ambassadors

[H2] Confirm your email address to Create Threads and Reply

[H2] ? Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

[H4] Popular Tags

Website 458
Mag Daily 94
Newsletter 87
Gleam / Sweepwidget 64
Instagram 54
Raffle Site 44
Expert Answered 39
Ask An Expert 39
App 37
? 19
Daily Entry 18
Email 17
Facebook 14
AAE3 11
AAE5 9
AAE1 9
AAE2 6
TikTok 5
AAE4 4
X / Twitter 2
Youtube 1

[H3]

[H2] Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.

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