We'd like to remind Forumites to please avoid political debate on the Forum... Read More » 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.

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Forum Ambassadors list 2024/2025
Here you’ll find the full list of Ambassadors and Senior Ambassadors (SA) across the various Forum boards. Senior Ambassadors and Ambassadors are there to support on certain boards. But if you have a question or query on any of the boards, you can always email forumteam@moneysavingexpert.com. BOARD AMBASSADOR(S)…
MSE Forum poll: Have you ever asked an employer for a pay rise?
Among all of the employment advice out there, one nugget that crops up every now and then is the brave suggestion that you should simply ask your employer for a pay rise if you haven't had one for a while and think you deserve it. It's a bold move, so we're interested to see how many of you have ever actually attempted it…
MSE Forum poll: When going into a coffee shop etc just to use the loo, do you buy something?
At one point or another many of us have been caught short while out and about, so it can be a relief to find a nearby pub or café with a toilet. While there are occasionally establishments that stipulate their lavatory is for 'paying customers only', many often don't. Do you feel obliged to make a purchase, or just use the…
Forum Highlights 2nd May: Central heating, civil partnerships & cordless cleaners
Each week brings a new array of MoneySaving queries, dilemmas and success stories to the MSE Forum. Let's explore some of the cream of this week's crop. Seen something on the Forum we should include in next week's highlights blog? Let us know in this thread.
Forum Highlights 25th April: Teacups, tiles & towels
Find out about some of the week's biggest talking points on the MSE Forum in the latest instalment of our highlights blog. Seen something on the Forum we should include in next week's highlights blog? Let us know in this thread.
MSE Forum poll: Are you spending more, less or the same on Easter this year?
The Easter weekend is coming up, and this week we'd like to know how your spending on chocolates, decorations and other seasonal items compares to last year. As we've previously heard on the Forum, it's not just youngsters who enjoy seasonal confectionery at this time of year. Or maybe rather than spending on prepared…
Forum Highlights 18th April: Canadian holidays, cheaper trains & chicken soup
Find out about some of the week's biggest talking points on the MSE Forum in the latest instalment of our highlights blog. Seen something on the Forum we should include in next week's highlights blog? Let us know in this thread.
Money Moral Dilemmas | The archive
Every week, we feature a Money Moral Dilemma in the Money Tips email. Got a Money Moral Dilemma of your own? Suggest an MMD. Here are the dilemmas of the last few years: -🔹- 2025 -🔹- * Should our neighbour pay us for taking in his parcels when he's out? * Should I stop lending money to my daughter? * Should I stop sending…
Forum Highlights 11th April: Baking on a budget, banking apps & bulk-buying
This week MoneySavers have been wondering about squeezing every penny of value out of their shopping by buying in bulk. Read on for more on that and the rest of the week's MSE Forum highlights. Seen something on the Forum we should include in next week's highlights blog? Let us know in this thread.
Forum Highlights 4th April: Garden makeovers, leftover cream & London short breaks
You can read the Forum Highlights Here: Garden makeovers, leftover cream & London short breaks – this week's MSE Forum highlights
Ambassador applications for 2025 are now closed.
Hi all You probably know some of our Forum Ambassadors - the helpful, vital volunteers who help us keep the MSE Forum a safe and supportive space for Forumites to discuss MoneySaving matters. The Ambassadors programme runs one year at a time. Applications are now open for this year (March 2025 - March 2026). These are…
New Forum Feature: Auto-Bump
Hi everyone, Our forum is being updated with some great new automation features. There are a few available now, with some great ones to come in 2025. To start, we're going to try rolling out our very first automation - Bump unanswered after 2 days: If a new thread hasn't received a first reply after 2 days, it will be…
Got a suggestion for the weekly MSE Forum highlights blog?
Every week we publish an MSE Forum highlights blog over on the Team Blog page of MoneySavingExpert.com. If you've spotted a useful, funny, thought-provoking or weird post from the week which you think should be included, please drop a link below. Thank you, MSE Laura F
Some websites and helplines if you're struggling this Christmas
(Content warning - reference to suicide) Hi, Christmas can be a difficult time of year for many, and there are lots of reasons why people will be struggling. If you (or people you know) are in need of some support, below is a list of phone numbers and websites that you might find helpful. These organisations are not here…

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MSE News

Bank of England cuts base rate to 4.25% – here's what it means for your mortgage and savings
The base rate has been cut to 4.25% from 4.5% by the Bank of England. This rate is used by the central bank to charge other banks and lenders when they borrow money, so the move can impact mortgage and savings rates.
Is now a good time to fix your mortgage or should you wait? Brokers answer as rates continue to fall ahead of expected Base Rate cut
Interest rates on fixed mortgage deals have continued to be cut ahead of this week's decision by the Bank of England on whether to change the Base Rate. But will fixed rates move much further – and should you fix now or wait?
Fixed-rate mortgages continue to fall ahead of expected Base Rate cut – so do brokers think now is a good time to fix?
Interest rates on fixed mortgage deals have continued to be cut ahead of this week's decision by the Bank of England on whether to change the Base Rate. But will fixed rates move much further?
Martin Lewis: How to call your bank by dialling just three numbers
How to call your bank by dialling just three numbers… simply dial 1-5-9. Then you know it's legit. Watch MoneySavingExpert.com founder Martin Lewis' video below, which explains it. And please share – the more people know, the fewer will be scammed.
Martin Lewis: How to call your bank by dialling just three numbers – as 'anti-scam' phone number called over a million times
One million calls have been made to the '159' anti-scam phone number since its launch in 2021, new figures reveal today (Wednesday 30 April). MoneySavingExpert.com founder Martin Lewis – one of the well-known faces most used in scams – explains how to call your bank by dialling just these three numbers.
Martin Lewis: How to call your bank with just three digits – as 'anti-scam' phone number called over a million times
One million calls have been made to the '159' anti-scam phone number since its launch in 2021, new figures reveal today (Wednesday 30 April). MoneySavingExpert.com founder Martin Lewis – one of the well-known faces most used in scams – explains how to call your bank by dialling just these three numbers.
Revealed: Holland & Barrett's supposedly cheaper 'Subscribe & Save' often costs more – it's promised a review after our investigation
Holland & Barrett's 'Subscribe & Save' scheme claims to offer regular shoppers "the best value" – but it failed to do so in the majority of cases MoneySavingExpert.com checked over a five month period. The retailer has now promised to review the scheme after our research found it was often more expensive.
Don't get your passport by post – 360,000 paid more than needed last year
If your passport is due for renewal, apply online if you can – it'll save you £12.50. More than 7 million Brits did just that last year – but over 360,000 missed out on savings by using a paper form instead, MoneySavingExpert.com can reveal.
Sainsbury’s Bank customer? NatWest takes over this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.

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