MSE’s Money Tips 3.03% easy access, Big BT & TalkTalk etc hikes, 33mth 0%, hidden £1,000 for 12-20yr olds?, free beer

An intro from Martin: "My heart sank last Wed, as the latest 10.5% CPI inflation was announced, as it's that December figure which many broadband and mobile firms base their April increases on. Yet they don't stop there - most lump a further 3 or 4 percentage points on top.

"Of course, just because it's in the contract, they don't need to invoke these rises, but since then we've had confirmation after confirmation that they're doing just that. Hitting many already struggling people hard.

"I wish the regulator Ofcom would crack down on this, though I don't hold out much hope. Above-inflation mid-contract rises are unfair and they push future inflation higher...

Price rises announced in last 7 days (see full company-by-company details)
Provider	Typical rise	Leave penalty-free mid-contract?
BT broadband & mobile	14.4%	No
EE broadband & mobile	14.4%	No
Plusnet broadband & mobile	14.4%	No
Shell broadband & mobile	Up to 13.5%	No
Sky mobile (broadband TBC)	9% out of contract, no in-contract rise	No (but rises are for out of contract, so you can leave)
TalkTalk broadband	14.2% (unless on its Fixed Price Plus tariff)	No
Three broadband & mobile	4.5% / 14.4% depending on when you signed up	No
Virgin Media broadband	Not announced yet	Yes, if it does raise prices (as no rise in contract)
Vodafone broadband & mobile	TBC	TBC

"For those in contract, then as the price rise was part of the contract, there's little you can do except diarise when that contract ends, and take action then. But the most important thing I can say to you is...

16 million of you are out of contract - free to leave - so ditch & switch or haggle and you may halve what you pay
(that's what the info below will help you to do).

"Just to be plain, you'll still be hit by the price rise, but for broadband, for example, 14% on £20/month is a lot less than 14% on £40/month. So now, on to the MSE team to run through what's out there right now."

The best deals come from short-lived promos you can't get direct from firms, involving cashback or vouchers. The best thing to do is use our broadband comparison to find top deals where you live as what's available is postcode dependent, but the pick of 'em right now are...

Top new-customer broadband & line rental deals
Ends 11.59pm Sun Shell Energy 11Mb for '£14.08/month' 38Mb for '£16.92/month' 18-month contracts Prices WON'T rise this April, but may next April	Cheapest basic & fibre broadband. Apply either via this Shell 11Mb link or this Shell 38Mb fibre link and it's £5.57 upfront, then £18.99/month (11Mb) or £21.99/month (38Mb). But you'll get a month's free bill credit and can CLAIM (don't forget) a £75 Amazon voucher. Factor that in over the contract and it's equivalent to £14.08/month (11Mb) or £16.92/month (38Mb). Shell is cheap, but its customer service rating from our polls is 'poor'. The firms below have 'OK' service, so there's a trade-off between price and service.
New. Virgin Media 132Mb for '£18.40/month' 18-month contract No price rises in contract, so you can leave penalty-free if it hikes prices (which it usually does)	Cheapest superfast fibre deal. Via this Virgin Media 132Mb link, it's £23.95/month, but you will get an AUTOMATIC £100 bill credit applied to your first bill. Factor that in and it's equivalent to £18.40/month over the 18-month contract. Only available to 55% of homes - you're told if yours qualifies when applying.
Sky 59Mb for '£18.89/month' 18-month contract No price rises in contract, so you can leave penalty-free if it hikes prices (which it usually does)	Cheapest fast fibre Sky deal we've seen. While more expensive than the deals above, we've not seen a Sky broadband deal this cheap at this speed, and we know many like a big name. Via this Sky 59Mb link, it's £25/month, but you can CLAIM (don't forget) a £110 prepaid Mastercard (almost as good as cash). Factor that in over the 18-month contract and it's equivalent to £18.89/month.
On universal credit or similar? Check out 'social tariffs'. These are longer-term cheaper tariffs only for those on certain benefits - see our full discounted social broadband tariffs list. As Christine emailed: "I just learned about BT social rates and as I receive pension credit, I applied online and reduced my broadband from £54 a month to £15. Thank you so much - a brilliant saving."

5 quick broadband switching need-to-knows:

1. If you want to stay where you are, haggle. Jump to haggling tips.
2. Slow broadband? Test your speed. Do a broadband speed check, both Wi-Fi and wired (to see if it's your signal or your router that's the issue), and try our eight speed-boosters.
3. At least 50% of customers must get the advertised speeds at peak times. All providers above also tell you the estimated max speed you're likely to get before you sign up.
4. Switching usually only means about two hours' downtime. You're told the switch time in advance and most won't need an engineer to visit. With switches to or from Virgin it's more likely.
5. Members of cashback sites can sometimes undercut deals. More in Top cashback sites.

Many are already paying far too much on their mobile bills, and that's before April's price rises. Here's our quick checklist to ensure you're not being ripped off...

Step 1: Check if you're out of contract - millions are overpaying. When your contract ends, you'll usually pay the same for your airtime, or be moved to a Sim-only plan - which is unlikely to be the market's cheapest. Some could even still be paying the same handset and airtime rates, despite having paid off the phone. If you're out of contract, the power's in your hands, so read the steps below. If you're still in contract, take action when it's finished.

Step 2: Are you willing to switch network to get a much cheaper deal? If you're happy with your phone, check if you could save by switching Sim - the little chip in your phone that gives it its identity. And don't pay for more data than you need. Ofcom says the average mobile data use is 5.6GB a month - try our Data Calculator if you're not sure how much you use.

Here are examples of what's out there for new customers right now - all have unlimited mins & texts:

Lebara (uses Vodafone's signal)	5GB/month for '£3.38/month'. You pay 85p/month for six months, £5.90/month thereafter (no price rises). But it's a rolling one-month contract, so you can cancel at any time.
iD Mobile (owned by Currys, uses Three's signal)	15GB for '£3.84/month'. You pay £8/month (likely to rise in April, but not confirmed), but you can CLAIM a £50 Amazon, Currys or Uber Eats voucher. Factor that in and it's equivalent to £3.84/month over the 12-month contract.
TalkMobile (part of Vodafone and on its signal)	100GB/month for '£9.87/month'. You pay £11.95/month (with no price rises), but can CLAIM a £25 Amazon voucher. Factor that in and it's equivalent to £9.87/month over the 12-month contract.
Three	Unlimited data for '£15.54/month'. You pay £17/month, then £19.45/month from April due to price rises, but get an AUTOMATIC £42 cashback. Factor that in and it's equivalent to £15.54/month over the 12-month contract.

If you're out of contract, your network must let you unlock your phone for free. And it's easy to keep your phone number. Just text PAC to 65075 on your existing phone, and then give the code you're sent to the new provider, and it can move your number to the new Sim.

Step 3: Worried about moving as you want to stay on the same network? How to switch and keep your signal. Smaller networks 'piggyback' on the signals of the big four: Vodafone, Three, O2 and EE. So you can move to a cheaper provider and keep the same signal. Though do note not all smaller firms offer 5G, Wi-Fi-calling or 4G-calling, so do check what's included. Our Cheap Sims tool allows you to filter by network and flags up what services each provider offers (see who piggybacks on who).

Step 4: Need a new phone? How to bag the cheapest deal. Sticking with your current handset and switching Sim is cheaper and greener. But if you need a new phone, make sure you do it the cheapest way (never just go direct to a network).

The 'buy a phone & Sim separately rule' is not clear-cut anymore, so our cheapest handset tool includes this option and also buying via a contract, across most phone models (you can opt to see refurbs too). And if you're not set on one model, find me a phone lets you say what you want, then finds the cheapest handsets that fit the bill. And our find me the best phone within my budget tool does just that.

If you're out of contract or nearing the end, you're in a powerful position to haggle, so use these price rises as a clarion call to take action. The key here is to make your existing provider prove it wants to keep you. It's a bit of fiscal flirting, if you like.

The likelihood is, for broadband and mobiles, that you'll struggle to match the cheapest switching deals from the tables above, but you should be able to bring your price down a chunk. In fact, in our December poll, the vast majority of those who'd tried haggling with the big telecom firms were successful...

- Over 80% success: Virgin Media, Sky
- Over 70% success: TalkTalk, Three, Sky Mobile, O2, Virgin Mobile
- Over 60% success: Plusnet mobile & broadband, EE

It can really pay off, as Dorothy emailed: "Thank you so much for your advice on haggling. I called Virgin Media as our bill had gone up to £119.50/month. I was offered £82/month at first, but called back and now we are paying £69/month [saving £606 a year]. I'm delighted as this does help with our budget as we are retired."

Here's how you can do it too...

Step 1: Benchmark the cheapest price elsewhere. If you want to haggle, tooling yourself up on the best the competition is offering, both so you know what to ask for, and because it can be used in discussions, is the right place to start.

Step 2: Call up - and be polite and charming, especially at the moment, when call centres are busy. Remember to use chutzpah, cheek and a smile. You're asking for a discount, and your provider's as much within its rights not to give one as you are to leave. Aggression or anger won't help anyone.

Step 3: Use the phrases that pay. You may find that it only offers a small discount at first, but if you try phrases such as "I've worked out my budget and my max is £X/month, can you do that?", or "Sky / Plusnet / TalkTalk and others can do it for less, can you beat that?", it may go further. If not, just say you'd like to think about it.

Step 4: If nothing's worked so far, ask to be put through to disconnections (known internally as retentions). This department's the Holy Grail of haggling - where operators have serious discount-giving power.

Step 5: Don't panic if it calls your bluff and says it'll disconnect you. Some people worry and get nervous to try this in case they're disconnected. Martin's easy 'get out of jail free' card on this is the phrase: "Hold on, I'll call you back on that. I'd like to check with my wife / husband / dog / goldfish first."

Step 6: If it really won't play ball, vote with your feet. If you don't get what you want then you should seriously consider leaving. Sometimes providers can give in at this stage and offer a stonking discount.

These are the key tips, but we've more info on how to maximise your discount in Broadband haggling and Mobile haggling.

PS: If you're struggling to pay your bills, always speak to your provider - it may be able to put you on a repayment plan.

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. Free £200 bank switch is back (& cashback too)

Banks will pay for your custom, so unless yours is glorious, why not take the cash?

Unless you love your current current-account, why not earn by switching? This is the first £200 legal bank bribe since mid-December, good news as we've seen far fewer switchers' offers this New Year than normal (though we hear more may come in February). Most find switching easy - to get the cash, you must do it through the bank's seven-working-day switching service, which closes your old account, auto-moves your balance, standing orders & direct debits, and forwards all payments for you. You'll need pass a not-too-harsh credit check. Full info in Best bank accounts, but briefly...

New. Santander £200 FREE cash, 1% bills cashback & 4% savings. Santander pays new switchers the switching cash on a few of its accounts. To get it, within 60 days of switching you need to have 2+ direct debits, pay in a total of £1,000 once (so pay your income in) and log in to online/app banking. The main pick for most is Santander Edge*. It pays up to £20 a month in cashback for a £3/month fee, provided you pay in £500+/month. You get:

- 1% cashback on most household bills (water, council tax, energy, broadband, phones, paid-for TV), up to £10 a month
- 1% cashback on supermarket, fuel and train and bus travel spending, up to £10 a month

For someone with average bills, we'd expect a gain of around £80 to £100 a year after the monthly fee. You also get access to a linked 4% AER easy-access savings account, in which you can put up to £4,000.

Alternatively, there's also £200 if you switch to the Santander 123 account, which has different cashback levels - it can be good for those with a Santander mortgage or very high energy bills (the link explains why) - and on the FEE-FREE no cashback Santander Everyday* account.
First Direct £175 FREE cash, top service, 0% overdraft, 7% regular savings. Newbies switching to First Direct's 1st Account*, which is rated 88% great on service, get £175 in cash. You also get access to a 7% linked regular saver you can put up to £300 a month in, plus many get an ongoing £250 0% overdraft. To get the £175, you must pay in a total of £1,000 within the first three months and you're not eligible if you've ever had any First Direct account, or opened an HSBC current account since January 2019.
Couple these accounts with 1% cashback on almost all spending. The app-only, no-need-to-switch or pass a hard credit-check Chase current account* gives a year's 1% cashback on almost all normal daily debit card spending (it generally excludes bills, investments and major purchases such as cars) once activated. So you could use one of the accounts above as your main account, then use Chase for card spending. You also get the top debit card for spending abroad and 2.7% AER interest on up to £500,000 in a linked easy-access savings account.

PS: Done right, you can make £100s or £1,000s by repeatedly switching banks, just like Nicola, who emailed us to say: "Following your advice, I have made £1,360 since September - just three months! Easiest money I've ever made. I've got my friends and family on the bandwagon too, so a big thank you from all of us."

40+ coupons including FREE Lucky Saint alcohol-free beer, vegan egg, lentil crisps & more. See our 40+ January grocery coupons.

New. First open-market full easy-access savings paying over 3% since 2012. From next Wed (1 Feb) new app-only bank Kroo* will pay 3.03% AER interest (currently 2%) on up to £85,000 in its current account (it has the full UK £85,000 savings safety protection). You needn't switch bank to get it, and there's no hard credit check, so you could open one now to get money in there in time for the higher rate. Top for easy access today are Shawbrook Bank's 2.92% AER (min £1,000), though withdrawals must be £500+ each time, and Cynergy Bank at 2.9% AER (min £1). Or, for known names, there's Sainsbury's Bank paying 2.87% AER (min £1,000) and Nationwide* at 2.5% AER (min £1), though both limit you to 3 penalty-free withdrawals a year. All are variable rate accounts. Full info in top easy-access savings.

Lifetime ISAs are no longer fit for purpose for some first-time buyers, who risk losing their money. We're calling on Chancellor Jeremy Hunt to change the rules.

Grab one of 10,000 FREE £50 investments. This is frankly a ridiculous deal. If you put £50 (or more) into robo-investment firm Wealthify (it chooses the investments for you to make it easier), then after a year it will give you £50 cashback. So put fifty quid in, get the investment, and then you get your money back, so whatever the investment is worth in a year is a win. Even if your investments flop, at worst you break-even. Full info in Robo-investing cashback.

Energy bills update - prices now expected to fall even further in July. Things may reverse, but currently it looks like bills, while still hideous, will be less than expected from July. Our energy bills update includes Martin's video.

Shift credit card debt for a big best-buy 33 months at 0% (2.9% fee) or 22 months for NO-FEE. A balance transfer's where you get a new card that pays off old cards for you, so you owe it instead, but at 0%. NatWest's 33 months 0% (2.9% fee)* is by far the longest 0% deal (22.9% rep APR after the 0% ends), as is - of its type - NatWest's 22 months 0% NO FEE* card (better if you can repay quicker, 21.9% rep APR after). Originally only existing banking customers could apply, but now anyone can. Full help in Top balance transfers and try our eligibility calc to find top cards that'll accept you (though we await data to include NatWest for some applicants).

100 flowering bulbs & 10 packs of seeds for £10 delivered. MSE Blagged. 7,500 bundles available, but it doesn't deliver to Northern Ireland or parts of Scotland. Thompson & Morgan

BOOST SAVINGS INTEREST. Tonight (Tue 8pm), ITV, The Martin Lewis Money Show LIVE! Over to Martin: "Last week was debt, this week is savings. Interest rates have rocketed, but most people's hard squirrelled-away cash is earning diddly-squat - effectively most are being ripped off. I'll be taking you through every risk-free trick and tip to max your interest. Plus, lots more news you can use. Do watch or at least set the Betamax."

BLAGGED FOR MSE

- 100 flowering bulbs & 10 seed packs £10 7,500 sets available
- 3.5% six-month savings fix plus £40 cashback Ends Tue 31 Jan
- Hot Diamonds 40% off everything code Ends Tue 14 Feb
- £5 razor & refill starter kit (normally £8) 1,000 available

DID YOU MISS?

- Two million Travelodge rooms for £34 or less
- Virgin Mobile customer? You're going to O2 from March
- TWO pairs of specs from £14
- Amex cardholder? Get £15 off Ikea, 15% off Disney+
- You CAN still use non-barcoded stamps until 31 July

Martin: Aged 12 to 20 (or their parent)? Are you one of 1m missing out on £1,000 in savings you don't know about?

The state put money away for millions of kids but many weren't aware or have lost track

This is for anyone in the UK BORN 1 SEPT 2002 TO 2 JAN 2011 as that means a Child Trust Fund (CTF) would have been opened in your name when you were born, which the state automatically started with up to £250 (£500 for those from low-income families). This tax-free savings product, which up to £9,000 a year can be added to, can't be touched until you hit 18 (which is now quite a decent number of people).

Lost track of your Child Trust Fund? Don't worry it's still your money. Of 6.3m active CTFs it's thought 100,000s are 'lost' meaning you mightn't know you have one, or don't know where it is. The average CTF is now worth £2,100 after investment growth, according to HM Revenue & Customs - yet my suspicion is lost ones are likely worth less, so I'm going to take a punt at £1,000 - still, real money! So do watch or read full reclaim your Child Trust Fund details.
Under 18? Ensure your Child Trust Fund pays max interest. Whether you know about your CTF or have just located it, CTFs are now dead accounts - you can't open a new one - so there's little competition and interest rates can be low. Check yours. But you can convert it into its successor product, a top junior ISA, which can pay up to 3.8%. Within the application form for the junior ISA there'll be a section to ask to transfer CTFs (or other junior ISAs) across. Shares-based CTFs can be transferred into a shares junior ISA too.
Had a Child Trust Fund and now 18 - what happens? If you do or did nothing, your cash CTF likely automatically becomes a cash ISA (not a junior one), investment CTFs likely become investment ISAs - unless your firm doesn't offer those. Yet you don't want this sorted by default and you may want to spend some of it, so actively ensure your money is in the right place for you. See our Maturing Child Trust Fund help guide.

Boost cash ISA interest, beware broadband hikes & WHAT-ER saving. Listen to the latest The Martin Lewis Podcast.

And the worst parcel delivery firm is... Evri. 40,000 MoneySavers voted in our annual parcel delivery poll and despite its rebrand, Evri - formerly Hermes - fared worst, with a terrible 62% rating their experience 'poor' (up from 48% in 2022). See which firms did and didn't deliver the goods.

Hot Diamonds 40% off EVERYTHING code, for example, £90 ring for £27. MSE Blagged. Includes already reduced outlet items. Hot Diamonds

New. Top 3.5% six-month fixed savings plus £40 cashback (if saving £10k+). MSE Blagged. If you can lock your money away but only for a bit, Zenith Bank's 3.5% 6-month fix* is top, plus newbies to 'savings marketplace' Raisin get £40 cashback with code MSE40 if saving £10k+. With the cashback, it's an effective interest rate of 4.3%. More in Top savings.

'I claimed £4,780 back on my credit card after my funeral plan provider went bust.' Our success of the week comes from Chris, who recovered a significant sum after Safe Hands went into administration last year: "Following Martin's newsletter suggestion to claim against a credit card company using Section 75 of the Consumer Credit Act, we have just been successful and Capital One have reimbursed us with the full amount of £4,780. We're absolutely delighted and would like to pass our thanks to Martin, for without his help we would have lost everything." If we've helped you save money (on this, or 'owt else), please send us your MoneySaving successes.

3,000 FREE pairs of Build It Live tickets (normally about £12 each). For Kent (4 to 5 Feb), Oxfordshire (10 to 11 Jun) and Exeter (9 to 10 Sept). Includes free magazine. Build It Live

The speedy overseas holiday MoneySaving checklist - easy ways to save & avoid pitfalls. GHICs, cheap currency, insurance, cheap flights, hotels, passports, car hire, airport parking and more. In case you missed them, here are last week's 18 easy ways to save if you're booking a holiday, plus Martin's two travel must-knows video warning.

Less than a week to file your self-assessment tax return. Anyone told to do a tax return must do it (usually the self-employed or high earners), and some with complex affairs will need to as well. So beware: the self-assessment tax deadline is NEXT WEEK.

£5 razor & refill kit (normally £8). MSE Blagged. 1,000 available, plus 15% off refill cartridges. Brighter Shaving

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AT A GLANCE BEST BUYS

Longest 0%: NatWest (check eligibility - for existing customers / apply*) - 33 months 0%, 2.9% fee (22.9% rep APR interest)
No-fee 0%: NatWest (check eligibility - for existing customers / apply*) - 22 months 0% (21.9% rep APR)

£200 to switch + 1% bills & supermarket cashback: Santander
£175 to switch, 7% savings + TOP service: First Direct

Top easy access: Shawbrook Bank 2.92%, min £1,000
Top one-year fix: Habib Bank Zurich 4.33%, min £5,000

Try our Car Insurance Compare+ tool

Cheapest for £5,000 to £7,499: Finble 4.6% rep APR (only available through our eligibility calculator, not direct)
Cheapest for £7,500 to £15,000: Finble 4% rep APR (only available through our eligibility calculator, not direct)

Standard (10Mb+): Shell Energy '£14.08/month'
Fibre (30Mb+): Shell Energy '£16.92/month'
Superfast fibre (100Mb+): Virgin Media '£18.40/month'

On universal credit or similar? Check discounted social tariffs

Up to 3GB data: Lebara, '£2.48/month' for 3GB
4GB to 9GB data: Lebara, '£3.38/month' for 5GB
10GB+ data: iD Mobile, '£3.84/month' for 15GB

THIS WEEK'S POLL

How do you rate your bank account's service? Every six months, we ask for your help to track the quality of banks' customer service. By comparing your answers with last time, we can see which have got better or worse. Let us know how you rank your bank.

Around half of MoneySavers have a summer holiday booked. Last week, we asked about your summer holiday plans and more than 3,400 people responded. Almost 40% said they've already booked to go overseas, while a further 11% are holidaying in the UK. With the cost of living crisis pushing up travel prices, around a third (32%) said they've spent more than usual this year - though the majority have spent less than £2,000. See the full summer holiday poll results.

MSE NEWS

- Top story: Energy suppliers told to stop forcing people on to prepayment meters
- Tesco Mobile to charge customers for EU data roaming from May
- TSB to shut nine branches this year - here's the full list, plus alternatives
- London bus and Tube fares to jump by the biggest amount in a decade
- British Gas to give struggling prepay customers £250 free credit

MONEY MORAL DILEMMA

Should I take legal action against my daughter for refusing to repay the money I loaned her? Four years ago I remortgaged my cottage to help my daughter buy a house, and since then she's been paying me back in monthly instalments. But after her recent wedding we fell out, and she's stopped repaying me. I'm not well and live on a low income, and have started to think the only way to get my money back is to take legal action. Yet her husband has no idea I bought half the house, and I worry that if I do take legal action I'll cause problems in their marriage and she'll never speak to me again. But why should I struggle when they have a decent joint-income? Enter the Money Moral Maze: Should I take legal action against my daughter? | Suggest a Money Moral Dilemma

MSE TEAM BLOG

- MSE Forum highlights: Allergies, APP scams & alcopops

MARTIN'S APPEARANCES (WED 25 JAN ONWARDS)

Wed 25 Jan - Ask Martin Lewis, BBC Radio 5 Live, 1pm
Tue 31 Jan - This Morning, phone-in, ITV, 10.25am
Tue 31 Jan - The Martin Lewis Money Show Live, ITV, 8pm

MSE TEAM APPEARANCES (SUBJECT TBC)

Tue 31 Jan - BBC Radio Cambridgeshire, Mid-morning with Jeremy Sallis, from 10.45am

SAMOSA-FOLD YOUR BAGS & CLEAN WITH LEMON RINDS... WHAT ARE YOUR TIME/MONEYSAVING LIFE HACKS?

That's all for this week, but before we go... MSE Forumites have been sharing their time-and-MoneySaving life hacks. For a tidy home, they include the 'sushi roll' trick for putting on a duvet cover (video is supplied) and the 'samosa-folding' trick for storing plastic bags. One Forumite recommends saving lemon rinds for cleaning the sink, while another suggests leaving out a bowl of coffee grounds to deodorise a room. When it comes to food, hacks include topping up a pesto jar with olive oil to make it last longer and sticking savoy cabbage into a bowl of water to sprout roots for the same reason. Discover more and add your own on the Do you have a secret trick? MSE Forum discussion.

We hope you save some money, stay safe,
The MSE team

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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.

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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.

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