Car finance payouts!, reclaim £100s student loans, ISAs all-change, how to get £100 energy help, quick free £15, early Black Fri sales

Plus... 5.3% savings, Standing Charge WIN, FREE £50 on shares, your Credit Score is UP, 2x specs £14

                                                           

03 November 2026 | View in browser

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The top tips this week Martin's Budget ISA briefing! ALL-change... - SCRAPPED: Cut to u65 cash ISA limit - IMPROVED: Lifetime ISA for 1st-time buyers - NEW: First Time Buyer ISAs to replace LISAs - POSSIBLE: Starter shares ISA incentive - TAXED: Savings interest outside ISAs Martin: Reclaim £100s on your student loan Your Credit Score just INCREASED! News. Car finance mis-selling payouts! How to get £100 energy help New. Quick, easy FREE £15 FINALLY, gas Standing Charges scrapped New. Top 1yr savings fix 5.17% Early Black Fri sales... any good? Martin: 'How State Pension Tax Allowance will REALLY work' New. FREE £50 on £100 invested 'I was attacked, but compensation is hard to get' Shift credit card debt to 0% now TWO pairs of specs £14 Question pod: 'Is the LISA still worth it? Budget Special pod: What it means for you? £10 1L Baileys (normally £22) Free £13 Good Housekeeping Live tix Tesco Xmas delivery slots to open 5,000 magazines free for 100 days Sun only. Free trains for armed forces £30 back when you spend £10 Best buys: FREE £300, 900Mb fibre £24/mth & more MMD: How much rent should boyfriend pay me?

Martin's Budget ISA briefing! ALL-change & surprise NO-change for tax-free savings SCRAPPED... the cut to the under-65s cash ISA limit  IMPROVED... the Lifetime ISA for first-time buyers NEW... First Time Buyer ISAs to replace LISAs  POSSIBLE... starter shares ISA incentive TAXED... savings interest outside ISAs to face higher tax rates ISA, ISA, baby. Stop, collaborate and listen... So much of the planning, prepping and complaining about coming ISA changes, due April 2027, has now thankfully been consigned to history... the Chancellor, John Healey, ripped up a chunk of his predecessor Rachel Reeves' work on ISAs. There's a lot for me to get through, so let's do it...  Quick help links: How ISAs work | Top cash ISAs | Top shares ISAs | Beginner's guide to investing Got questions? Email MartinLewisPodcast@bbc.co.uk, I'm covering ISAs in depth in Thu's pod First, a beginners guide to how ISAs work. Don't worry it's a piece of cake... (I've been doing this analogy since 2001, and it's not stale yet - see my why ISAs are a piece of cake video) Picture a cake, let's say a chocolate cake for cash savings (though it could equally be a strawberry cake for shares). Normally it's just sitting there, so the tax collector can come and take a bite. But think of an ISA wrapper like a protective piece of clingfilm you can wrap around some of the cake. Once your cash is inside, nothing changes - the cash in savings is still cash in savings (so a cash ISA is just a savings account) and the shares are still shares (so a shares ISA is just an investment account). The only difference is... now the tax collector can't eat any. See our full ISA guide for a detailed Q&A. 1. SCRAPPED. The cut in the cash ISA limit won't happen, it'll remain at £20,000. The planned cut to the annual cash ISA allowance for under-65s from £20,000 to £12,000 in April 2027 has been binned. So every UK adult will still be able to put up to £20,000 each tax year into ISAs (whether all in cash ISAs or all in shares ISAs or a mix) and the interest and growth won't be taxed. Plus, all the convoluted anti-avoidance plans to stop people trying to create cash ISAs via the back door have been scrapped too - so you'll still be able to transfer shares ISAs to cash ISAs, and the planned tax charge on cash held in shares ISAs has gone. Remember, all a cash ISA really is - is a savings account that isn't taxable. And "not taxable" doesn't just mean there's no tax on the interest, it also means that the interest earned in a cash ISA doesn't count towards any of your other savings allowances. Today's top cash ISAs: Trading 212 pays 4.87%* (min £1, max £20k), it includes a 1yr 1.27% bonus for newbies putting new money in. For transferring existing ISA money in, Chip is 4.75% (min £1) including a 1yr 1.25% newbie bonus, though its withdrawal system means you effectively don't earn some interest in the month you close it. For more options, including fixed-rate cash ISAs, see our Top cash ISAs guide.  PS If you have money you don't need right now and can put away for over five years, remember you're likely to be better off investing in a broad spread of investments, so do read my beginner's guide to investing - too many are missing out. 2. IMPROVED. The Lifetime ISA (LISA) penalty for buying a home over £450,000 has gone! We've campaigned for years for this injustice to end. Jeremy Hunt told me he'd look at it, as did Rachel Reeves, but to be fair, John Healey is the one who's actually delivered it. And it means for someone definitely buying a property, a LISA is now far less of a gamble. LISAs can be opened by anyone age 18 to 39. You can then put up to £4,000/yr in one, and get a bonus of 25% (so max £1,000/yr) to use towards either buying a first-time property of £450,000 or less, or to save and withdraw once age 60+. Until now, withdrawing for any other reason brought a 25% penalty. The maths of a 25% bonus added, then a 25% penalty taken off, meant that people making these 'unauthorised' withdrawals got back 6.25% less than they put in (so on £10,000, it costs £625). My issue has been that first-time buyers who saved in LISAs just as the state encouraged them to, but who then got priced out of the market - because the £450,000 maximum hasn't increased since the LISA's 2017 launch - were outrageously forced to pay the state what feels like a 6.25% fine to access their money in the way the state intended.  But, since last Thursday, for those buying properties over £450,000, the penalty is reduced to 20%, so you get back what you put in, plus interest, you just don't get the bonus. See LISA withdrawal fine change news for more, plus Top Lifetime ISA best buys. 3. NEW. First Time Buyer ISAs to replace Lifetime ISAs from 6 April 2029. At that point LISAs will close to new applicants, but will still continue to work for those who have already opened them (listen to why ALL under-39s, even those who own a home, should have £1+ in a LISA, in my new Is a LISA still worth it for first-time buyers & those saving for retirement? mini-pod, which incorporates all the Budget changes). The new FTB ISA won't have an upper age limit. The bonus (capped at £20,000) will be calculated on the account's final balance when you buy - including interest or investment growth - a big improvement on the original proposal, where the bonus would've only been paid on what you'd contributed.  You can transfer a Help to Buy ISA into a FTB ISA but can't transfer LISAs in (aaargh too many ISAs!). Yet you will be able to get a first-time buyer's bonus on both a LISA and a FTB ISA, though you can't contribute to both in the same tax year. Watch my new First Time Buyer ISA v LISA - which wins? video clip or read our First Time Buyer ISA guide. 4. POSSIBLE. The Chancellor's looking at a 'Starter Investment ISA' incentive idea. It's early days, but in the Budget speech the Chancellor said he'll work with the investment industry to explore a new incentive. I suggested this to Rachel Reeves when she was positing a cut to the cash ISA limit 'not to raise revenue but to encourage young people to invest'. I think a carrot is better than a stick, and said the same to John Healey once he was in office. You can read exactly what I'm suggesting & why in Martin Lewis: Starter ISA incentive thoughts. Though if that's how it'll materialise is another question. 5. TAXED. Interest outside ISAs to face higher tax rates. The Budget included a tax rise on savings interest, meaning from April 2027, basic-rate taxpayers who pay tax on savings interest will pay 24% (currently 20%), higher-rate taxpayers 44% (now 40%) and additional-rate taxpayers 49% (now 45%). The same increase also applies to property income - in my TV show I asked the Chancellor whether that could mean rents rise (at 32mins 30secs). While the savings interest tax rise is a hit, thankfully most savers still don't pay tax on interest (see my Most people don't use all four savings interest tax allowances quick video, which runs you through the main legit ways to avoid tax on interest). a) Personal allowance: Most people can earn £12,570/yr tax-free from any source, earnings, interest, etc. See MSE tax calc. b) Starting rate for savings: For those with low earnings but a decent whack of interest, which is more common for those who are retired, this lesser-known tax allowance means some can earn up to £18,570/yr tax free. See Starting rate for savings explained. c) Personal savings allowance: Basic-rate taxpayers can earn £1,000/yr of interest outside of ISAs tax-free. At current top savings rates, that means over £20,000 saved tax-free. Higher-rate taxpayers get £500/yr, while additional-rate taxpayers don't get a PSA. See full how the personal savings allowance works help. d) Cash ISAs: The £20,000 you can put in each tax-year in a cash ISA is on top of the above allowances. And once money is in one, it is tax-free year-after-year. Though if you've large amounts, it's worth considering investing some of it. e) Premium Bonds: This is a tax-free form of savings, where the interest is based on a lottery. The current prize fund is 4.35%, but someone with typical luck will win less. While I'm no fan of PBs for many, they come into their own for those who'd otherwise pay tax on interest. You can put up to £50,000 in (total not per year). See Are Premium Bonds worth it? f) Short-dated gilts can give equivalent of up to 8% savings returns: If you pay tax on savings interest, an alternative is a short-dated UK government bond, known as a gilt. While it isn't saving, done right, the risk profile can be pretty similar and because of favourable tax treatment, it can produce returns for those who pay tax on interest equivalent to an 8% savings account. I did a full Savers: Time to learn about gilts podcast last week (and we're working on an MSE guide).

 

 

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.

 

 

 

There's lots of consumer news from last week's Budget peppered through this email, but for a full briefing on the need-to-knows and why it happened, including frozen tax thresholds, watch ITV's Martin's vs the Chancellor: Budget Special.  News. Car finance mis-selling - Barclays to offer early settlements! The regulator's mass redress scheme is on hold until a legal challenge in Feb but providers are allowed to offer early settlement, and Barclays is about to become the first. For those offered, payouts will come by Jan at the latest. Full info, pros and cons in Barclays car finance redress. £100 energy support for EVERYONE in Council Tax bands A-D: how to get it and help if not. It was the big rabbit out of the hat in the Budget - 20m homes to get £100 towards energy bills. Full Budget energy support payment help. New. Quick, easy FREE £15 - just open a bank account WITHOUT switching or a hard credit check. MSE Blagged. Newbies downloading the fee-free Zopa Biscuit* app-based current account via this specific mobile link get £15 cash paid into their account within 7 days. You needn't switch bank to get it, and there's no hard credit check so it doesn't impact your creditworthiness. You could just cancel straight away, though it is a good secondary account as it offers 3% cashback on EITHER any Direct Debits paid via it OR restaurant, takeaway & bakery spend (both max £54/yr), as well as a top debit card for spending overseas (no exchange fees). See full Zopa Biscuit review. FINALLY, success - gas Standing Charges will be scrapped. After years of campaigning on it, on Wed - 10 mins after it was released to the media - Martin went in to No.11 for a briefing from the Chancellor on what the scrapping of the gas Standing Charge actually means and whether it'll happen to electricity too. See How scrapping Standing Charges will work. New. Top fixed savings: 5.17% for 1yr | 5.3% for 2yrs. App-based Afin Bank is making a play - in the last week it's upped many of its fixed savings rates and is now the highest rate pretty much across the board... Top 1yr fixes: Afin 5.17%* (min £1k, max £200k); OakNorth Bank 5.16%* (min £1, max £500k). Top 2yr fix: RCI Bank 5.3%* (min £1k, max £1m); Afin 5.28%* (min £1k, max £200k). Top 3yr fix: Afin 5.28%* (min £1k, max £200k); Secure Trust Bank 5.27% (min £1k, max £1m). Full info and options in Top savings. All accounts listed have the full UK £120,000 savings safety protection. Early Black Friday sales: Argos, Boots, Easyjet, B&M & more - any good? Updated Black Fri analysis. Martin Video: How the new State Pension Tax Allowance will REALLY work!' See Martin's 4min State Pension Allowance Budget explainer. New. FREE £50 when you put £100 in a shares ISA. 1,500 codes available. Newbies to DIY investment platform Quilter Invest* who open its stocks & shares ISA, junior ISA or general investment account via this link using promo code MSE50, deposit or invest £100+ within 30 days (or before codes run out), and keep it there for 6mths will then get £50 cashback paid into your account within 60 days. If you choose to invest the £100+, you can pick from one of its 30+ funds and ETFs, though you could just leave it uninvested in your account for the 6mths (either way, there's a 0.25% annual platform fee). Full Quilter Invest free £50 help. Related: Martin's Investing for beginners guide.

 

 

BLAGGED FOR MSE - FREE £15 on opening fee-free bank account Ends Mon 30 Nov - Two prescription specs £14 via code Ends Thu 12 Nov - 5,000+ digital mags & papers free for 100 days Ends Fri 27 Nov - Extra £30 cashback when spending £10+ online Ends Fri 13 Nov	DID YOU MISS? - Easy FREE £240 - biggest upfront bank switch bonus of 2026 - 'Awful' Carer's Allowance cliff edge set to be scrapped - New free or cheap loans for solar panels, heat pumps & more - £150 Warm Home Discount letters being sent. Are you due one?

 

 

Repaying a Student Loan Company loan? "I didn't think I'd overpaid but applied in 5mins just in case & got £2,150!" Martin: 'Sadly, it was bad (no) news for student loans in the Budget. Yet separately, we now know that over 1.1 million OVERPAID last year, and many can easily reclaim £100s! Student loans are overly complicated, and that results in a) millions unwittingly overpaying, and b) successive governments using the complexity to try and increase the cost. There's news on both those fronts this week. We've learnt that over 1.1 MILLION student loans were overpaid in the last tax year alone, and millions more before that, so below I'll explain how to reclaim £100s or £1,000s overpaid student loans - but first... Budget bad (no) news: Plan 2 student loan repayment threshold FREEZE to start in April! University leavers with Plan 2 student loans (English students who started uni 2012 to 2022, and Welsh students who started since 2012) currently repay 9% of everything earned above £29,385 per tax year. In last year's Budget, then Chancellor Rachel Reeves announced that'd be frozen from April 2027 until April 2030. That, rightly, caused uproar. When many students signed the contract for these loans, often aged 18, they were told the threshold would rise each year with average earnings. For the state to retrospectively do a one-sided change is, in my view, a breach of natural justice. I and many others, including Rethink Repayment, campaigned against it. Yet in last week's Budget, new Chancellor John Healey stayed silent. So the freeze will happen. To ensure this didn't go unnoticed, I asked the Chancellor why he's done nowt (in my ITV Budget special). It leaves millions with these loans effectively facing DOUBLE fiscal drag, as this freeze, plus frozen tax thresholds, means as earnings increase, a bigger proportion goes to paying tax and student loans. How to reclaim overpaid student loans... The rules are simple: if you voluntarily overpaid, you can't get the money back - but if you did it unwittingly, as millions have in four ways, you can. Clara is one of huge numbers who've been in touch with their successes: "I recently received £2,150 in student loan repayments. I thought I couldn't have possibly overpaid as my payments came out of my salary automatically. I spent 5 minutes applying 'just in case'... what a surprise! And in my bank within 3 days. Thanks so much for your advice!" Reason 1 (the big one): You repaid the loan in some MONTHS, despite not earning enough in the tax YEAR. 1,052,000 in 2025/26. You only need to repay your student loan if you earn over an ANNUAL threshold. For example for those on the most common loans, Plan 2, that's £29,385/yr - see What plan am I on and what's my threshold? But... - Money must be taken from payroll each month. So, for someone on Plan 2, that means if you earn over £2,448 in a month, you automatically pay 9% of everything above that. - Yet earn below the annual threshold and you shouldn't repay. This means many who didn't work a full year shouldn't have repaid. Eg, if you worked nine months on a £36,000 salary, payroll takes £50/mth so that's £450 total paid, but your total earnings are under the £29,385 threshold, so you're due it all back. This is also common for those with variable income or commission. - How to reclaim it: For this type of overpayment, you can reclaim online for all past tax years (but not the current 2026/27 one yet). PS: Overpaid in a month, but earned over the annual threshold? It's a no-go. If you normally earn £2,200/mth on - let's stick with - Plan 2, so under the threshold, but got £7,000 in December due to a bonus, your total annual earnings are £1,815 over the annual threshold, so you'd expect to repay 9% of that, which is £163. However, in December, payroll would have taken 9% over the month's threshold, which is £410. In this case you can't ask for the excess back, I'm afraid. Reason 2: You started repaying your loan too early. 36,000 affected in 2025/26. You're usually only eligible to start repaying in the April after you left your course. If you mis-stated when your studies finished or your employer got it wrong, you could've repaid too early and are due that cash back. Here, to reclaim, call the Student Loans Company (SLC). Reason 3: You're on the wrong student loan payment plan by default. 14,000 affected in 2025/26. If your employer doesn't know which plan you're on, the Govt tells it to default to Plan 5, where you repay on income above £25,000/yr. Yet that's the undergraduate plan with the lowest threshold - ALL others are higher - so if the default's used and you're on a different plan, you'll have overpaid. In which case: a) speak to your payroll to fix it, and b) to reclaim, call SLC. Reason 4: You had money deducted after the loan was fully repaid. 56,000 affected in 2025/26. After a set time, the loan is wiped (when depends on the plan, eg Plan 2 is 30 years from the April after you leave uni - see When will my loan be wiped?). However, if you're due to fully repay your loan before then, your repayments could continue even after your loan is cleared due to pay-as-you-earn (PAYE) timings - if that does happen, you'll automatically be repaid, so don't need to reclaim. Top tip: To prevent this, you can go online at SLC and set up a Direct Debit for the last two years' repayments rather than doing it through payroll. So now you know you can reclaim - should you? With normal loans I'd encourage you to overpay as it means you clear the debt quicker and repay less interest. Yet student loans don't work like normal loans. If you claim the money back - while your outstanding loan balance will increase by that amount and you will 'owe' more - the real question is whether owing more means you will repay more in future. The answer is 'it depends' - but for many, especially on Plan 2, reclaiming overpayments puts cash in your pocket that won't need to be paid back later. As it's complex, see my full Should you reclaim overpayments? help.

 

'I was the victim of an unprovoked attack – two years later I'm still waiting for financial support from the state.' After MSE's Haris was randomly assaulted, he went through the Criminal Injuries Compensation Authority (CICA) scheme - here's his blog on what he learnt that may help others... Attacked, but compensation is hard to get. Do you pay interest on credit card debt? Try to shift to 0% before the base rate announcement. Some top 0% balance transfer deals are likely to be pulled (or worsened) soon after Thu's likely interest rate rise. If you're paying interest, do a 0% balance transfer eligibility check sooner. Full help in top balance transfers.  TWO pairs of specs £14 via code. MSE Blagged. Stack this code with existing offers. See Glasses Direct deal. Is a LISA still worth it for first-time buyers and retirement, now it's being replaced? Answers to this in a new post-budget Martin mini Question Time podcast. Listen via BBC Sounds | Apple | Spotify etc. What does the Budget mean for you? A Martin Lewis Podcast Special. Tax, energy bills, savings, investments, first-time buyers, State Pensions & more. His on-the-day response - all in the latest episode of Martin's Big Topics pod. Listen via BBC Sounds | Apple | Spotify etc. Battle of the Baileys: More shots fired (sunk) - £10 for a 1L bottle (normally £22). We covered this last week to huge popularity - some deals have ended, but a new one has launched... see updated £10 Baileys. Please be Drinkaware FREE £13 Good Housekeeping Live tickets. Islington, London 11-14 Nov. 2,500 available. Free tickets Tesco shopper? Prepare to grab your Christmas delivery slot. Bookings open soon. Xmas delivery round-up

 

 

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AT A GLANCE BEST BUYS Top 0% balance transfers Top definite 0% card: HSBC (check eligibility; existing customers use this link), 36mths 0%, 3.09% fee, 24.9% rep APR No-fee: Barclaycard (check eligibility) 12mths 0% 24.9% rep APR Best bank accounts Free up to £300: Barclays Free £240: Santander Broadband top picks Fast fibre (100Mb+): Vodafone '£19.80/mth' Superfast fibre (500Mb+): Sky '£22.84/mth' Ultrafast fibre (900Mb+): Vodafone '£23.71/mth' On Universal Credit or similar? Check all discounted social tariffs Insurance Car: Use our Compare+ Car Insurance tool Home: Use our Compare+ Home Insurance tool Travel: Use our Compare+ Travel Insurance tool Cheap loans £5,000 to £7,499: M&S Bank (check eligibility), 6.9% rep APR £7,500 to £15,000: M&S Bank (check eligibility), 5.9% rep APR Top savings accounts Top easy-access savings: Cahoot 5%, min £1 Top easy-access ISA: Trading 212 4.87%, min £1 Top one-year fix: Afin Bank 5.17%, min £1,000 Top energy deals Use our whole-of-market Cheap Energy Club Cheap Sims Up to 3GB data: Lebara, '£2.80/mth' for 3GB 4GB to 9GB data: Lebara, '£2.85/mth' for 5GB 10GB to 30GB data: iD Mobile, '£3.11/mth' for 15GB 31GB+ data: iD Mobile, '£3.28/mth' for 40GB

 

Your Credit Score just INCREASED! If you find it hard to believe we can write that for (almost) all of you, a little Credit Score mythbusting is needed... With interest rates likely to rise, managing your credit file is crucial to get the best deals Quick links: Free MSE Credit Club - check & analyse your credit, or better go via the MSE App (Apple | Android). There are three main credit reference agencies (CRAs) in the UK. And one of them, TransUnion - the one we use in the free MSE Credit Club - is changing its Credit Score, so almost everyone's number is likely rising. Yet that doesn't mean your credit situation has improved. In fact, with the markets factoring in four Bank of England base rate rises over the next year, as well as disposable income reductions for some, acceptance for the cheapest products may get harder. Here's what you need to know... Your Credit Score (probably) just went up - check it now. When you login (or sign up) to MSE's free Credit Club, you'll now see a TransUnion Credit Score out of 999, rather than the previous 710. TransUnion's also changed how it calculates your score and some of the score bands it uses, with 'poor' and 'very poor' replaced with 'low' and 'very low'. It expects 58% of people to stay in the same band, 36% to move to a higher band, and 6% to a lower band. TransUnion says this is part of improving the score - factoring in balance changes, overdrafts & credit card ATM withdrawals, plus more detailed scoring for those with little or no credit history - to get closer to lenders' scoring systems. Important: You may see a different TransUnion score elsewhere. It's rolling out this change gradually till June 2027, so you may use other TransUnion-powered services which haven't yet been moved to the new system.  And this demonstrates, as Martin always says... you don't actually have a Credit Score! While the three big CRAs each offer a 'Credit Score', that's just their illustration of how a typical lender may see things. In fact, there is no single number that dictates if a lender will accept you. That doesn't mean credit scoring doesn't happen though - it does - it's just each lender does its own individual credit scoring assessment based on its specific list of what is a profitable customer. So when it comes to the free Credit Score you are given, remember: - Don't sweat small changes. It can be different with each agency, so don't overly micro-manage it - it's pointless. - Do take note of big swings. These are likely evidence something big has changed. - Your credit file is more important. You should check this line by line for errors, annually or before any big application. This is the data that lenders plug into their assessments. See how to check your files for free. - Even a perfect scorer can be rejected. Not just because it's only a loose indicator, but because it misses the single most important piece of data - what you earn. Lenders also do an affordability check (check your affordability score via MSE's Credit Club). - Test your Credit Eligibility Rating to see whether you'll actually be accepted. Product acceptance is data-driven, so it's important to know where you sit in the credit get-ability league table and how to climb it. You need to factor in a combination of your Credit Score, affordability score and current market conditions. Martin designed our free Credit Eligibility Rating, in the MSE Credit Club, to do just that. Need a credit card or loan? DON'T just apply! That hits your file - use an eligibility calculator instead.Almost every credit application goes on your credit file as a 'hard search'. Too many applications, especially in a short space of time, are negative in the eyes of a lender. Instead, use an eligibility checker first, which shows your acceptance odds and sometimes pre-approval (ours gives you the odds for a range of top products). Eligibility calcs work by doing 'soft searches' which you see on your file, but lenders can't factor them in, so they don't impact your future creditworthiness. The current MSE eligibility calcs include... Cheap loans | 0% balance transfer credit cards | 0% spending credit cards | Reward credit cards | Overseas spending cards How to make yourself more financially attractive. Credit scoring's a bit like dating... Like different people, different lenders have different tastes, so there's no universal fix. There are, though, some simple changes that'll work for most. There's lots of help in our 38 tips to boost your credit file, but the ones important for everyone are... - Use consistent answers on every application (eg, address, phone number). Evidence of stability's good. - Get on the electoral roll. If not, getting credit is tough, so sign up to it. - Never miss, or be late with, repayments. Use a Direct Debit to be sure, even if just the minimum (ideally not). - Don't withdraw cash on credit cards. It's expensive and evidence of poor money management. - Don't do little applications just before big'uns. Eg, if applying for a mortgage soon, don't switch bank accounts now.

 

5,000+ digital magazines & newspapers free for 100 days, eg, Cosmo, Women's Health, Daily Mirror. MSE Blagged. For Readly newbies & those who cancelled more than six months ago. Mag-nificent Sun only. FREE train travel to Remembrance services for armed forces personnel & veterans. Uniform or ID required. Free travel to London on Sat too. Remembrance train travel Extra £30 cashback when you spend £10+ online. MSE Blagged. Topcashback newbies can net a no-brainer £30 bonus by signing up using our link and spending £10 or more through it at one of 1,000s of brands. Topcashback top-up

 

CAMPAIGN OF THE WEEK MoneySaving and knowing your numbers go hand-in-hand, and as this week (2nd-8th November) is Number Confidence week, why not give your skills a boost with the free National Numeracy Challenge?

 

 

MSE NEWS - Top story: Martin Lewis' instant reaction and our analysis to all the Budget announcements - New 'Your First Home' homebuying scheme to launch in England - Vulnerable young adults to be given easier access to Child Trust Fund savings

 

 

MONEY MORAL DILEMMA My boyfriend is moving in with me - how much rent should he pay? I own my own house and my boyfriend is moving in with me. We earn roughly the same and have agreed to split household bills 50/50, but we're stuck on how much rent he should pay. He's offered to pay half of my monthly mortgage payment, as he'll still save on the rent he currently pays for his house share and would rather his money go to me than a random landlord. But I'd feel awkward taking that, because it'll go towards my mortgage - I'd be investing his money in my future and getting the better end of the deal. What's the best way to balance it? Enter the Money Moral Maze: How much rent should my boyfriend pay me? | Suggest a Money Moral Dilemma (MMD) | View past MMDs

 

Some winter competitions... - Win a bundle of winter outdoor clothing - Win a wood-burning stove - Win a fire pit and log bundle - Win a cosy cabin stay ...from the MSE Forum comping boards - Win a bundle of home appliances - Win a winter city break - Win an oil-filled radiator - Win a heated jacket

 

 

MSE TEAM BLOG - MSE Forum highlights: secondhand fridges, shoe repairs & streaming sticks

 

 

MARTIN'S APPEARANCES (WED 4 NOV ONWARDS) Thu 5 Nov - Ask Martin Lewis, BBC R5 Live, 12pm Tue 10 Nov - This Morning, ITV1, 10:20am Tue 10 Nov - The Martin Lewis Money Show Live, ITV1, 7:15pm

 

 

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