Anybody else finding it a bit too hot at night? These numbers are based on the current Energy Price Cap rates (which are dropping 7% on average in July), which most households are on. If you’ve fixed your energy your costs might be a little different, hopefully lower! | MoneySavingExpert.com

Credit cards can be a fantastic financial asset — but only if you know how to use them. So how do they work? Basically, credit cards let you borrow money to pay for stuff. Every month you get a bill – if you pay it IN FULL, there’s no interest to pay. If you leave ANY amount unpaid, even just a penny, you’ll be charged interest on the FULL amount (except if you’ve got a 0% period). What are the key rules to remember? 1️⃣ Always pay it off IN FULL each month, or before the end of the 0% period if

This is the ONE MoneySaving trick that EVERYONE should do! Make sure to bookmark in case you need to come back to it! Not only is it quick and easy to get started – once you’re up and running, the savings come (almost) EVERY time you spend. Some have even made £1,000s over the years! And that’s without changing their shopping habits or spending more than they need to. If you’d like to give it a go, but want a bit more info before you start, head to the MSE website to find full details to make th