Free £140, new top travel card, £29 Travelodge, free Lindt, £1.4bn unspendable cash

Plus... £37 No7 £12, SEISS opening, £17/mth SUPERFAST b'band, petrol warning [MoneySavingExpert]( 04 August 2021 | [View in browser]( [MoneySavingExpert]( [Weekly Money Tips]( [Banking & Savings]( [Household Bills]( [Deals]( [Insurance]( [Cards & Loans]( [Mortgages]( [Income]( [Reclaim]( THE TOP TIPS IN THIS EMAIL [17 August holiday savers - if you're going away or have decided to stay]( [New. Free £140 bank switch bribe from HSBC]( [Cheapest superfast broadband & line in 16mths]( [FREE Lindt choc, FREE Aldi nappies + more supermarket coupons]( [Ends Sunday. Free £25 credit card trick (+ 20mths' 0% spending)]( [Warning to everyone with a piggybank, money jar etc]( [£37 of No7 make-up for £12]( [Warning. Some petrol pumps now (temporarily) take £100 off your card, even if you spend less]( [5th self-employed grant applications now open... for some]( [£86 of Benefit, Garnier, Max Factor etc beauty for £23]( [Ends Sunday. Shift card debt to 0% interest for 29mths]( [Martin: Online Safety Bill 'doomed to fail' unless it includes scam ads]( [24 craft beers + two glasses for £26]( [Students, parents, teachers - buy a Mac or iPad and get up to 10% off + free £159 AirPod earphones]( [This week's best buys, incl 0.6% easy-access savings, 12GB Sim '£6.67/mth', 2.8% loans]( [What's the fairest way to help our children on to the property ladder?]( BEST BUYS & TOOLS [Cheap Energy Club, incl Pick Me A Tariff]( [MSE Cheap Mobile Finder]( [Credit Club incl free credit report]( [0% Balance Transfers]( [Compare Broadband deals]( [Cheap Car Insurance]( [Best Bank Accounts]( [Top Savings Accounts]( [Credit Cards for Bad Credit]( [Credit Card Eligibility Calculator]( [Loans Eligibility Calculator]( [Mortgage Comparison]( [Free online complaints tool - Resolver]( [Compare Travel Money]( [Best Sim Only Deals]( [17 awesome August holiday savers - if you're going away or you've decided to stay]( [Incl new top travel card, £29 Travelodge, free airline seat choice, 2for1 UK days out, £40 PCRs & beam in a T-Rex]( It's a summer like no other (OK, so last year's was strange too). Many who'd normally go abroad are staying at home and many others have left booking anything till the last minute due to the uncertainty. So whether you're holidaying in the UK or overseas, or just want ideas to have fun while you've time off without venturing far, we've 17 MoneySavers to help... 1) Keep an eye on the traffic lights... in case you need to hit the brakes on that overseas trip. Stay on top of regular changes to the traffic light system, which is due to be updated this week and governs UK quarantine, with our updated [Covid Travel Rights]( guide. It's equally key to check restrictions in the country you're going to - see the [Foreign Office's country-by-country advice](. [The MoneySavingExpert.com guide to the top travel credit cards]( New. Bag £20 when you get a top card for spending overseas. Most debit and credit cards add a 3%-ish 'exchange fee', so £100 of euros costs £103. Yet some credit cards, such as the Halifax Clarity (best to [check eligibility chances first]( or [apply*]( don't charge this fee and give near-perfect exchange rates on spending, often making them the best way to spend abroad. Clarity is now our top pick overseas credit card, as it also gives accepted newbies £20 cashback when they spend on it within 90 days - though apply now if going away soon as the card can take a week or so to arrive. Also remember to repay it IN FULL every month to avoid 19.9% rep APR interest on spending. If you use it to withdraw cash, you pay a small amount of interest till it's paid off (5p-ish per £100 per day), so try to minimise withdrawals. See [Travel Credit Cards]( for more help and deals. 3) New. £29 Travelodge rooms & more cheap last-minute holiday-booking tricks. If you want to go away but you've not yet booked, Travelodge has just launched £29 a night rooms, with some flexibility, in most of its hotels. They're for stays from now till June 2022, though finding them may require trial and error - see full [Travelodge sale info](. Obviously, there is a host of other holiday options, so see how to book [cheap flights]( [cheap hotels]( and [cheap package holidays](. Given the current uncertainty, try to book something where you've flexibility to make changes. 4) Days out discounts for UK holidaymakers & day-trippers, eg, 2for1 theme parks and cheap cinema & theatre tickets. Our [Cheap Days Out]( listings have you covered, including: - [2for1 on theme parks]( - eg, Alton Towers, Legoland. - [Tesco Clubcard 3x value]( at Eden Project, Longleat Safari etc. - [£2.50 cinema tickets for kids and grown-ups]( for selected family films. - [Free tennis coaching sessions]( for ages 12+. - [Half-price London theatre tickets]( eg, Hairspray and Billionaire Boy, when kids and grown-ups go together. 5) Beat airlines' seat reservation charges & sit together for FREE on British Airways, Easyjet, Virgin etc. A family of four could pay up to £240 on return flights if they want to be certain they'll be seated together, so here's how[to beat seat reservation charges]( for many airlines. 6) Relieve boredom with 1,000s of FREE kids' audiobooks - perfect for long car journeys or to entertain them at home. Most libraries let members download digital audiobooks via apps for free. Plus we've[14 more tricks to get free or cheap kids' books]( to entertain your little bookworms. 7) Need holiday currency? Find the best rates in seconds. Our [TravelMoneyMax tool]( compares 15 currency bureaux to find the cheapest cash. 8) If staying put, try these 22 free (or very cheap) ways to create summer magic for kids, eg, fruit picking & beaming a T-Rex into your place. We've a raft of fun activities to wow little 'uns this month, whether the sun's shining or it's pouring with rain. Get inspired with [Kids' summer magic tips](. 9) Don't buy new sun cream before turning old bottles around. Opened sun cream can still be effective for up to two years. So whether you need some for home or abroad find out how to check how long yours lasts, and how to find £2-ish bottles, in [sun cream tips](. 10) Slash PCR test costs to £40. We've scoured the market to help you avoid £100+ tests, yet this only applies in England and Northern Ireland, as in Scotland and Wales, tests must be bought via official providers which can mean they're costlier. Full info in [Cheap Covid tests](. [MSE's list of the top restaurant deals and vouchers]( If you're popping out for a bite or need holiday eats, we've restaurant deals galore - 2for1 meals for a year for £1, kids eat 'free' & more. We've rounded up top [dining out deals]( incl: - [A year's 2for1 meals at 1,000s of restaurants for £1]( via our simples Meerkat Meals trick. - [Kids eat free with a paying grown-up]( at Asda, M&S, Morrisons & Tesco cafés. - [Pizza Hut £9 unlimited lunch buffet]( on weekdays till 3pm (£6 for kids). - [20% off food for NHS staff]( at Frankie & Benny's, Nando's etc. 12) Book ahead to save £100s on airport parking or car hire - even the day before. We usually suggest you book as far ahead as possible for the biggest savings - and that's still best if you can cancel for free. This year, though, many have left it late in case they need to U-turn. If that's you, don't fret as big savings are still possible even a day ahead - just NEVER simply turn up on the day... - Airport parking: Save £300+ booking the day before. Turn up at Manchester Airport's long-stay car park and it was £385 for the week beginning last Saturday. Booked a day ahead, parking was £69 for that week after one of our blagged discounts. To find them, go to [SkyParkSecure*]( (5-35% off), [Looking4Parking*]( (5-35% off), [Holiday Extras*]( (10-26% off) or [FHR*]( (5-20% off). Full info in [Cheap Airport Parking](. - Car hire: Use our top-pick comparison sites to find the cheapest rentals. Booking as early as possible also nets savings, though such massive discounts are less likely. See [Cheap Holiday Car Hire](. 13) With petrol prices at an EIGHT-YEAR high, use a nifty tool to find the cheapest petrol & diesel if you're making a long trip. Speedily [find the cheapest forecourt near you](. Plus [driving more efficiently]( cut costs further. 14) Learn to talk like a local for free. Clever apps help you learn the lingo before you go and translate when you're there. [Language-learning apps]( 15) Travel insurance from £9/week in Europe or £6/week in the UK. If you're going abroad, buy insurance as soon as you book so you're covered for cancellation, as well as while you're away. Our [Cheap Travel Insurance]( guide tells you what's covered, incl for Covid, and has our top-pick policies. If you're holidaying in the UK, cover can still be valuable, but the need for it isn't as clear-cut. Our [UK Travel Insurance]( guide helps you decide and includes the top picks. [MSE section on applying for a free Global Health Insurance Card]( Check you've a valid GHIC or EHIC for trips in Europe - more than 6m expire this year. These cards give you access to state-run hospitals or GPs in EU countries for the same price as a local - if they don't pay, you don't pay. If you have a European Health Insurance Card (EHIC), check it's still valid. If not, most now need to apply for its post-Brexit replacement, the[FREE Global Health Insurance Card (GHIC)](. Go quick, though, as cards can take two weeks to arrive. 17) New. Driving to the EU? You no longer need an insurance 'green card'. The post-Brexit requirement for you to carry an international insurance certificate has been scrapped. See [Driving in Europe]( help. 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](. [New. HSBC launches FREE £140 bank switch bribe - the biggest cash bonus in 18 months]( [But go quick as it's only around for a couple of weeks]( It's bank bribe hokey cokey season with deals in, deals out, but now HSBC has shaken it all about with the biggest cash boon since the pandemic hit. It comes a week or so after it pulled a £125 switch offer and sister bank First Direct ended its £100 bribe. As they were popular we asked HSBC if it would create a new deal and it agreed... but only for two weeks, so now is a sweet spot. And switching is easy - just open the account (where you have to pass a not-too-harsh credit check), then use the bank's official switch service and it's all done in seven working days. H ere are the top deals... - [MSE's pick of the top bank accounts that give you freebies for switching](. TOP PICK: Free £140, plus linked 1% regular saver. Newbies who switch to the [HSBC Advance account*]( can get £140 to switch (but only via that link or via MoneySupermarket - we're part of the same group). You also get access to a linked regular saver which pays 1% AER variable on up to £250/month. How to get it: Apply by Thu 19 Aug and begin a switch within 30 days (incl 2+ direct debits or standing orders). You also need to pay in at least £1,750/mth (its way of saying you need a £25,600+/year salary going in). To count as a newbie you can't have had an HSBC bank account, or opened a current account with First Direct, since Jan 2018. - Free £150 gift card and 2% interest on up to £1,000. The [Virgin Money*]( current account gives newbies who switch to it a £150 gift card to put towards Virgin Experience Days (eg, sushi making or a track day). The account's also good for savers as it pays 2.02% AER variable interest on up to £1,000, while it comes with a linked easy-access savings account paying 0.35% AER variable, though there are better rates available. Its debit card is also a top pick for overseas use. How to get it: Apply online, then within 45 days: switch incl 2+ direct debits, register for its app and put £1,000 into the linked savings account (and keep it there till you get the gift card). You don't qualify if you've ever had a Virgin Money current account switch bonus, or if you've had a current account with Virgin, Clydesdale or Yorkshire Bank since March 2021. - More top deals: up to 3% cashback, 2% savings interest or £500 insurance combo. With these accounts, you can simply open them without needing to switch. - Earn 1-3% cashback on bills, for a £2/mth fee. Via [Santander 123 Lite](. - Earn 2% savings interest on up to £1,500 + 0% overdraft - both for 1yr. Via [Nationwide FlexDirect](. - £500 of family travel, mobile & breakdown insurance for £156/yr. Via [Nationwide FlexPlus](. For lots more help, including how switching works, see [Best Bank Accounts](. [FREE Lindt choc, FREE Aldi nappies, FREE Costa in a Can and loads more supermarket coupons.]( See August's [40+ coupons round-up](. [Ends Sunday. Free £25 credit card trick (+ 20mths' 0% spending if needed).]( Newbies accepted for this [M&S Bank credit card*]( get £25 if spending £100+ in the first 90 days. So grab it, do £100 of normal spending then pay off IN FULL and you're quids in. It's also a top 0% spending card. You can stop there, but if you need a 0% spending card (never borrow unnecessarily), it's also a near table-topping 20mths 0%. If you do borrow, always pay at least the monthly minimum and clear the debt before the 0% period ends - or you'll pay 21.9% rep APR interest. Will you be accepted? Applying affects your ability to get credit, so use our [0% Spending Eligibility Tool]( to find your acceptance odds for this and other top cards before applying. More info and deals in [Credit Card Rewards]( and [Top 0% Credit Cards]( ([APR Examples](. [Warning to everyone with a piggybank, money jar or sofa (that may have cash down it).]( in old and likely unspendable notes and coins is out there - see [what to check for and how to make it spendable again]( . [£37 of No7 make-up for £12.]( Incl highlighter and eyeshadow palette - but stock is limited. [Boots No7]( [Warning. Some petrol pumps now (temporarily) take £100 off your card, even if you spend less.]( info and help if it means you can't pay bills in [fuel pumps alert](. [5th Self-Employment Income Support Scheme grant applications now open... for some.]( The Govt is sending out personalised, staggered application dates. Some can apply now but by the end of the week, it'll be open to everyone eligible - and you'll have till Thu 30 Sep to apply. Full info, incl how much you can get, in [self-employed grant help](. BLAGGED FOR MSE - [£86 of Benefit, Garnier etc beauty products for £23]( 1,500 avail - [24 craft beers for £26 for Flavourly newbies]( 2,000 avail DID YOU MISS? - [Updated. Should you join diesel car compensation claims?]( - [Tesco Bank to close ALL 200,000+ current accounts]( - [Ever paid monthly for a bank account? You may be due £100s]( - [Martin's video explainer on financial help if you're self-isolating]( - [15 summer cinema savers, incl a year's 2for1 films for £1]( [New. Broadband price war intensifies - save £100s/yr]( [Now there's the cheapest superfast broadband & line in 16 months from Vodafone, joining the cheapest overall in 18 months from BT-owned Plusnet]( Now really is a good time to sort your broadband. Firms have finally begun to fight for customers after months of slow sales and just a few standout deals. Last week a new price war saw the launch of the cheapest deal since the pandemic hit. That was for standard speed, but now a new super-cheap superfast deal has entered the fray. Like most promos they're short-lived, so if you're one of 9m who are out of contract, check NOW if you can save £100s. Our [broadband comparison]( has full options, here are the top picks... TOP NEWBIES' HOME BROADBAND & LINE DEALS All postcode-dependent, links go via our [full broadband comparison]( to check your eligibility. DEAL + EQUIVALENT COST (1) HOW GOOD IS IT? BENCHMARK: Many pay £30-£45/mth for basic speeds Terrible. Even if you don't want to switch, [use the prices below to haggle](. Ends 11.59pm today (Wed). BT-owned Plusnet MSE Blagged - [10Mb (basic) broadband & line '£12.70/mth']( Cheapest broadband & line in 18mths + GOOD service. Apply via this [Plusnet link]( you pay £18.95/mth over the 12mth contract. You're also AUTOMATICALLY sent a £75 prepaid Mastercard (almost as good as cash) within 45 days - factor that in, and the equivalent cost is £12.70/mth. Customer service score: 6.5/10 (Good) Shell Energy MSE Blagged - [35Mb (fast) broadband & line '£15.74/mth']( Cheapest fibre broadband & line since Feb. Apply via this [Shell link]( and it's £21.99/mth, and you get an AUTOMATIC £75 bill credit within 3mths. So you pay £188.88 in total over the 1yr contract, equivalent to £15.74/mth. Customer service score: 4.1/10 (OK) New but ends Sunday. Vodafone - [63Mb (superfast) broadband & line '£17.42/mth']( Cheapest SUPERFAST fibre broadband & line in 16mths. Apply via this [Vodafone link]( (which takes you via Broadband Genie) by 11.59pm on Sun and it's £22/mth, but you can CLAIM (don't forget) a £110 Amazon voucher from Broadband Genie. If you'd spend that anyway, factor it in and the cost is equivalent to £17.42/mth over the 2yr contract. Customer service score: 5.5/10 (OK) Customer service ratings are from our [Feb poll]( and are relative as few broadband firms set the service world alight. (1) To compare, we use 'equivalent costs' - adding all costs, deducting promo credits and averaging over the contract. - At least 50% of customers must get advertised speeds at peak times. All above also tell you the estimated max speed you're likely to get before you sign up. Do [check your current speed]( and see our [8 speed-boosting tips](. - Switching usually only means about 2hrs' downtime. You're told the switch time in advance and it's often quick. Most won't need an engineer to visit, though some leaving Virgin may do. - Most firms hike prices a little during your contract. In general, firms will increase prices in line with inflation each year. If the contract warns you (Plusnet, Shell and Vodafone do), you're stuck with the rise. If not, most let you leave penalty-free within 30 days. However, these rises tend to be small, often £1-£2/mth, so you shouldn't suddenly be lumped with an expensive deal. - Do note when your promo ends. Then switch again at this point or try to [haggle down the price](. [£86 of Benefit, Garnier, Max Factor etc beauty products for £23 delivered.]( MSE Blagged. 11-piece sets incl eyebrow gel, lipstick, conditioner and more. 1,500 available from [Latest in Beauty](. [Ends Sunday. Shift card debt to 0% interest for 29mths (2.75% fee, min £5).]( Newbies accepted for this [M&S Bank 29mth 0% card*]( get the joint-longest 0% balance transfer period, and can get £25 cashback if shifting £100+ of debt to the card within 90 days, which helps offset the fee. Will you be accepted? Applying affects your creditworthiness, even if rejected. Instead, first use our [0% Balance Transfer Eligibility Tool]( which shows which top cards, incl M&S, you're most likely to be accepted for. Always pay at least the monthly minimum, and clear the debt before the 0% ends or you'll pay the rep APR interest (21.9% for M&S). See [Top Balance Transfers]( ([APR Examples](. [Martin: Online Safety Bill 'doomed to fail' unless it includes scam ads.]( Martin and the charity he founded - the Money and Mental Health Policy Institute - have called for more Govt action. See [scams warning](. [24 craft beers + two glasses for £26 all-in (norm £70ish).]( MSE Blagged. Newbies only, 2,000 boxes available but not in Northern Ireland. [Flavourly]( (please be [Drinkaware]( ). [Students, parents, teachers - buy a Mac or iPad and get up to 10% off + free £159 AirPod earphones.]( Apple isn't MoneySaving, but if you're buying from it anyway, see if you can save £100+. [Take a bite out of Apple's prices]( Tell your friends about us They can get this email free every week [FORWARD](mailto:?subject=MoneySavingExpert%20weekly%20email&body= [SHARE]( [TWEET]( AT A GLANCE BEST BUYS [0% balance transfers]( Longest 0%: Ends Sun. M&S Bank ([check eligibility]( / [apply*]( 29mths 0%, 2.75% fee (min £5) + £25 cashback if shifting £100+ in first 90 days (21.9% rep APR interest after) No-fee 0%: Santander ([check eligibility]( / [apply*]( 18mths 0% (20.9% rep APR) [Top energy deals]( Cheapest deal: [Utility Point 1yr fix, save £102/yr]( Cheapest top-service deal: [Igloo Energy variable, save £85/yr]( Want us to help you pick a tariff and switch you yearly? Try [MSE Pick Me A Tariff Every Year]( Assumes typical use vs current price cap (but it's predicted to rise £100+/yr in Oct). Links go via Cheap Energy Club. [Top savings accounts]( Top standard easy access: [Cynergy Bank 0.6%, min £1 deposit]( Top one-year fix: [Tandem 1.07%, min £1]( [Car insurance]( Get comparison site quotes in this order: - [MoneySupermarket*]( - [Compare The Market*]( - [Confused.com*]( - [Gocompare*]( [Cheap loans]( Cheapest for £5k-£7.5k: Sainsbury's Bank ([check eligibility]( / [apply*]( (3.3% rep APR interest, must have had a Nectar card for 6mths+) or Virgin Money ([check eligibility]( / [apply*]( (3.4% rep APR) Cheapest for £7.5k-£15k: M&S Bank ([check eligibility]( / [apply*]( (2.8% rep APR) [Broadband top picks]( Standard (10Mb+): [Plusnet, equiv £12.70/mth]( Fibre (30Mb+): Energy, equiv £15.74/mth]( Superfast fibre (55Mb+): [Vodafone, equiv £17.42/mth]( [Best bank accounts]( £140 cash to switch + 1% regular saver: [HSBC]( £150 gift card to switch: [Virgin Money]( [Cheap Sims]( Up to 3GB data: [TalkMobile, equiv £4.95/mth for 3GB, unltd mins & txts]( 4GB-9GB data: [Smarty, equiv £5.25/mth for 4GB, unltd mins & txts]( 10GB+ data: [Three, equiv £6.67/mth for 12GB, unltd mins & txts]( THIS WEEK'S POLL [How much do you spend on your pet(s) a year?]( An estimated three million households in the UK have taken on a new pet since the start of the pandemic. But while they may provide love and joy, keeping a pet doesn't come fur free. So whether you've a Kitty, Rover or Nemo, we want to know how much you spend on your pet(s) purr year. Vote in [this week's poll](. Most MoneySavers say kids should be 10-12 years old before getting a mobile. Last week, we asked what the most appropriate age is for kids to be given their first mobile phone - over 8,000 people voted. Some 72% said somewhere between the ages of 10 and 12 is best. But 2% thought it a privilege not earned until kids turn 17, while less than 1% would let them have a mobile before they're six. See full [kids' mobiles poll results](. MONEYSAVING NEWS - Top story: [Virgin Mobile to axe pay-as-you-go services from 2022 - what it means for its 123,000 customers]( - [Lloyds Bank launches cashback credit card that pays up to 0.5% - plus a £20 intro bonus]( - [Students urged to apply for university funding now if they plan to get a place via 'clearing']( - [More English counties to get ultrafast broadband upgrades - is your area on the list?]( MONEY MORAL DILEMMA [What's the fairest way to help our children on to the property ladder?]( We're in the fortunate position to be able to give our children money towards property deposits. However, one of them is looking to buy in London while the others are looking elsewhere, where it's much cheaper. Should we give them all the same amount or take the differing property prices into account? Enter the Money Moral Maze: [What's the fairest way to help our children on to the property ladder?]( | [Suggest an MMD](mailto:%20mmd@moneysavingexpert.com) | [View past MMDs]( MSE TEAM BLOG - [The seven top MoneySaving tricks and tips I learned in seven years at MSE]( MSE TEAM APPEARANCES (SUBJECTS TBC) Thu 5 Aug - BBC Radio Leicester, Mid-morning with Ben Jackson, from 11.35am Sat 7 Aug - BBC Radio Leicester, Mid-morning with Summaya Mughal, from 11am Mon 9 Aug - BBC Radio Manchester, Drive with Phil Trow, from 2.20pm Tue 10 Aug - BBC Radio Cambridgeshire, Mid-morning with Jeremy Sallis, from 12.40pm WHAT PRICE WOULD YOU PAY FOR CONVENIENCE? £70 MORE TO SAVE THREE HOURS? That's all for this week, but before we go... last week we posted a real-life scenario on social media asking users if they would rather catch a two-hour train from London to Manchester costing £95 or a five-hour coach for £24. In our Twitter poll, 68% said they'd put convenience over price and would take the train, while it also led to lively debate on Facebook. What's your view? Let us know on our ['What price for convenience?' Facebook post](. We hope you save some money, stay safe, The MSE team 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 16 million users each month and about 7.5 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 OBE 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. 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