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MoneySaving polls

Archives for September 2013

Do you support the married couples tax break?
Poll started 30 Sep 2013 The Government has announced plans from 2015 to allow married couples and civil partners (who aren’t 40% or 45% taxpayers) to transfer £1,000 of their personal allowance - the amount they can earn before tax - to their spouse. In other words, a partner who doesn’t work or earns under the personal…
Real-life MMD: Should I use my 5-year-old's £100k Prem Bond win to pay debts?
Money Moral Dilemma: Should I use my 5-year-old's £100k Prem Bond win to pay debts? We bought each of our children Premium Bonds when they were born - they're now eight, five and two. The five-year-old just won £100,000. Should I put it in a trust for her until she's 18, split it three ways in separate trusts, or use it to…
Should we switch to plastic bank notes?
Poll started 24 Sep 2013 The Bank of England is planning to scrap paper bank notes in favour of polymer (plastic) notes, as used in Canada and Australia. They’re more durable than paper notes and they survive money laundering – being put in the washing machine – but not ironing. They can be folded, but aren’t as easy to…
Friend of friend- taking tip off table. What should I have done?
Was out for dinner the other night- mostly buffet restaurant, but there was a little table service for drinks / clearing up the table. Divided the bill by 7- it was about £16.65- most of us rounded up to the nearest pound (£17) and 6 of us paid by card. The 7th person paid with a £20 note, then when the change was brought…
Real-life MMD: Should I go without for the sake of my live-in tenant?
Money Moral Dilemma: Should I go without for the sake of my live-in tenant? My unofficial live-in tenant (no contract) has lost her job, so can't afford her rent just now. She’s asked me to lower it until she gets work again, at which point she'll reimburse me. Problem is, I rely on that income. Should I struggle myself,…
Real-life MMD: I've enough money not to work, so I give ALL my earnings to charity...
Here is this week's real life money moral dilemma sent in by one of our site users (if you have one email [EMAIL="MMD@moneysavingexpert.com"]MMD@moneysavingexpert.com[/EMAIL] ) Money Moral Dilemma: I've enough money not to work, so I give ALL my earnings to charity. Should I quit my job and give other workers a chance? I…
Will the seven-day switching system make you more likely to switch bank account?
Poll started 17 Sep 2013 From this week, when you switch bank account, it’ll all be done in 7 days (see our 7-Day Switching Help). It won’t just be your direct debits and standing orders that’ll move - money coming into your old account will also be forwarded, for 13 months. So will you switch? Which of the options in this…
Real-life MMD: Should my now debt-free brother move out?
Money Moral Dilemma: Should my now debt-free brother move out? My brother has finally got himself debt-free, and is now looking to save up a deposit to move out of the family home. But my mother's just been made redundant, leaving only one person paying the bills. As my parents allowed him to live at home during tough…
How good is your money maths?
Poll started 3 Sep 2013 Every few years we run this poll to see how good people are at figuring out a basic, but not straightforward money sum. Which of these stock market scenarios gives the best return? Vote in this week's poll Did you vote? Why did you pick that option? Are you surprised at the results so far? Have your…
Real-life MMD: Should I be let off houseshare cash for a week?
Money Moral Dilemma: Should I be let off houseshare cash for a week? I live in a houseshare. Being organised, I'm usually the one to buy communal items (dishwasher tablets, sponges, etc) before we run out. I don't like to make a fuss, so haven't asked my housemates for any money towards them. They've now started a kitty…
What gadgets do your kids own?
Poll started 9 Sep 2013 It’s back-to-school time, but have your kids become gadget freaks over the summer? We live in a tech world where some toddlers are so used to touchscreens, they can’t work out why magazine covers aren’t interactive. Which of the options in in this week's poll do your children have (ie, for their…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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