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Martin: "Could your partner cope financially if you died?", diesel compensation update, FREE £225 ending, kids' savings warning, flight-delay compensation help

Plus... Home insurance price alert, FREE Lego, 36mths 0% debt shift, £90 window vac £45

Plus... Home insurance price alert, FREE Lego, 36mths 0% debt shift, £90 window vac £45

                                                           

28 July 2026 | View in browser

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THE TOP TIPS IN THIS EMAIL New. Martin's crucial guide to cheap life insurance, incl: - How much cover you should get - The cheapest ways to buy it - Get personalised 1-2-1 advice - Protect loved ones from a tax bill Flight delayed/cancelled? Are you due £200+ payout? Home insurance price alert - don't overpay! Martin. "Three numbers to protect yourself from scams!" Ending. FREE £225 to switch to top bills account  Major diesel emissions compensation update Shift card debt to 0% for 3 YEARS Civil Service Pension scandal - are you affected? New. MSE Pick Me an Energy Tariff tool £90 Kärcher window vac for £45 Martin: Have you struggled with mental health AND money? 40% off New Balance Warning. Saving for kids? Don't make this mistake "My wife left me with £27,000 worth of debt. Thanks to Martin's advice, I'm now debt free" Can AI improve your finances? What is it you just don't get about money? FREE Lego Pokémon mini-figure Martin: Is your debit card a secret debt card? Get £30 extra cashback when you spend £5+ online Urgent free school meals check £2 fares, kids go free and more bus travel savers Cheap matcha This week's best buys: 150mb broadband '£18/mth', top cash ISA 4.71% MMD: Should I tell my brother and his wife they don't need to buy me presents? BEST BUYS & TOOLS MSE Cheap Mobile Finder Credit Club including free credit report 0% balance transfers Compare broadband deals MSE Compare+ Car Insurance Best bank accounts Top savings accounts Credit cards for bad credit Credit Card Eligibility Calculator Loans Eligibility Calculator Mortgage comparison Compare travel money Cheap Energy Club Best Sim-only deals

Martin: Do you have children or dependents? What'd their financial situation be if you or your partner were to die? New. Cheapest level term life insurance guide This is unpleasant to write. Roughly one child per school class will likely lose a parent before they're 16. It may be through illness or, as when I was that child, it may happen suddenly. Either way, it's devastating, and can upend the lives of those left behind. The pain is easy to foresee, but it's important to consider the more prosaic financial consequences too - of the potential loss of income. Would the financial hardship compound the grief? Our new level term life insurance guide will take you through how this - what is usually the simplest and cheapest form of financial protection - works. It's often called 'family cover' and helps you plan for the worst. For most, you just need to decide whether you need it, how much cover to get, how long it should last, and how to buy it as cheaply as possible. The team and I will run you through that briefly below, though the guide has far more detail. Yet I hope we waste your money. I hope it never pays out because you live so long, it isn't needed. Just in case you don't though, if it applies to you, take a deep breath - let's be blunt, practical and get on with it.  PS: A brief plug for Grief Encounter, a brilliant child-bereavement charity I'm a patron of, if a child you know is grieving. The 11 Level term life insurance need-to knows... Different types of life insurance have varying purposes, including inheritance tax mitigation, mortgage protection and some legacy investment products. Level term is for family protection. It pays a fixed amount if you die within a set time - for example, £300,000 if you die within 21 years.  The simplicity is useful. The amount is fixed, the time is fixed and - providing the insurer is reputable - there's usually little argument over whether someone is dead (though if someone takes their own life soon after taking out a policy, it can be invalidated). So price is often the deciding factor. How much cover to get? The traditional benchmark is around 10 times the higher earner's annual income (as even if it's the lower earner who dies, the higher earner may be unable to work as they did before). This is a useful starting point, but it's best to work out exactly what funds would be needed - including clearing debts and meeting outgoings - and to factor in inflation. Also factor in any mortgage term life insurance (designed to cover your outstanding mortgage if you die), and any death-in-service cover from work. There's far more help in how much to cover? Anything that shortens your lifespan - like being a smoker, or a history of illness, or even a dangerous job - can increase the cost substantially. If you find covering this amount too expensive, you can do it the other way round: work out what you can afford and find the max cover for that amount.  How long for? And do you want a fixed price? Most people aim to be covered until their children finish full-time education or their partner would no longer need the extra income, so possibly until pensionable age. See more on how long to cover for?. Plus, it's worth checking the premium (the monthly cost) is Guaranteed. This is the norm and means the cost is fixed for the policy term unless you change the cover. A few policies are Reviewable, where the price starts cheaper but the insurer can reassess and increase it at set points - potentially making it costly later. This is more common if you link the insurance with critical illness (a more complex policy choice). The very cheapest route is via an execution-only (ie, discount) broker - but ONLY if you know what you're doing. With a top execution-only discount broker, you pay a small fee, say £25. It then shows you the cheapest providers and rebates all the commission it receives - often worth £1,000s over the life of a policy. In practice, that means you pay far less each month. Yet it is totally 'unadvised', meaning you get no help and need to know what you're doing. Our top picks for over a decade have been Cavendish Online, Moneyworld and Money Minder. The prices tend to be similar, but it's worth checking a couple (if it calls to verify details, ensure you tell them you want 'non-advised', or it could get pricier). Cavendish tends to have the best online info for 'writing in trust' (see point 6 below). Unsure, want help, have a medical condition or complex circumstances? Use an advisory broker. A good advisory broker will find you the cheapest policy and give personalised, regulated advice (often over the phone) to help you choose what's right for you. Yet it will keep the commission (that's how they're paid). If you have an independent financial adviser, they should be able to help too. Advisory brokers ask in-depth medical questions, and look into your finances to gauge your commitments. We didn't find any consistently cheaper than others - it depends on your circumstances - so try a couple if you've time. We've been to the three big ones and MSE Blagged extra incentives for you, so if the price is similar the incentives can impact who's cheapest. With all three ADVICE IS BY PHONE...  - LifeSearch (via MoneySuperMarket*) LifeSearch is the UK's biggest advisory broker. Yet call it via our bespoke MoneySupermarket number - 0800 197 3178 - and, crucially, say you're from us, MoneySavingExpert.com (MSE). We've arranged for you to get a £35 to £400 Amazon voucher (depending on monthly cost). It's sent after you've been paying for the policy for six months. If you just compare via MoneySupermarket you get the same deal, but no advice (so execution-only is then cheaper). - Howden Life & Health* operates a CALLBACK system - fill in the form and it'll call you back. Via our link it will give you a flat £90 cashback after 6mths when you get advice and buy a policy. This tends to be best for those with smaller and less costly policies. - ActiveQuote* operates a CALLBACK system - fill in the form and it will call you back. It will email you a £35 to £410 Amazon voucher after 6mths when you get advice and buy a policy. The amount depends on the monthly cost. Whether it or MoneySupermarket gives a bigger voucher varies by policy size. The cost of different routes to buy life insurance Sample quote below for a typical healthy, non-smoking 30yr old for £400,000 cover for 21 years Buying route and cost Discounts commission? Gives advice? Execution-only (ie, discount) brokers: (whole of market) £1,700 over full term (£6.70/mth) Cheapest option, but you need to know what you want. ✔ ✖ Advisory brokers: (whole of market) £2,000 over full term (£8/mth) Cheapest if you need help choosing. You'll get regulated advice. ✖ ✔ Standalone comparison sites: (whole of market) £2,800 over full term (£11.20/mth) No advice and pricier than advisory brokers. ✖ ✖ Direct via bank or insurer: (tied to one firm) £3,700 to £4,200 over full term (£14.70 to £16.60/mth) The costliest option. ✖ ✔ There are a few firms brokers can't include that you may want to try. All mainstream insurance firms are available from both execution-only and advisory brokers. Yet there are a few firms that are direct-only, so won't be included by brokers. These often give incentives when you sign up, though in our tests they aren't usually price competitive, even with the perks. Yet if you want to try them, for belt and braces, see our list of firms not included by brokers. Consider writing the policy in trust. This means the payout goes directly to the person who will ultimately receive the money, so it's not part of your estate - meaning there's no inheritance tax and it eases probate or equivalent (the legal process of handling someone's affairs after death). In some cases, there's a simpler alternative to this in the application form, where you can include a 'beneficiary nomination', which works in a roughly similar way. An advisory broker will usually go through all this with you. If you use an execution-only broker, most have the form available, if you ask.  Already got a policy (especially if you quit smoking over a year ago)? It can sometimes be worth getting a new quote if you've been nicotine-free (including vaping) for at least a year, or your circumstances have changed - such as no longer having a risky job, or you originally got it through a bank or insurer so are paying a lot. You can get a joint policy or single policies. Couples can choose to get a joint policy that covers you both and usually pays out the whole amount on first death, or two single policies that cover each of you separately with two separate payouts. We checked for a healthy non-smoking couple aged 50, for 20 years cover via an execution-only broker, though patterns can change so it's worth getting quotes. One single £150k policy (one payout) £19.20/mth (£4,600 over term) Two single £150k policies (so max possible payout £300,000) £38.40/mth (£9,200 over term) One joint £150k policy (one payout) £26.25/mth (£6,300 over term) One joint £300k policy (one payout) £36/mth (£8,650 over term) Prices obtained via 'non-advised' broker Cavendish Online in July 2026. While a joint policy may be slightly cheaper for a similar total maximum payout, advisers tend to recommend two single policies. That's because it gives a payout linked to each parent, so there's less of an issue if couples split up. Yet the decision is yours, so it's always worth getting quotes both ways. More info in joint vs single cover. The earlier you buy it, the cheaper it usually is over the long term. If someone depends on your income - for example, kids, a partner or a family member - that's usually the trigger to consider getting a policy. Yet even if you don't currently have any dependants, it could be worth taking out a policy while you're younger - to lock in at a cheaper price. It's a complex decision - on Martin's recent podcast (from 9mins in), he discussed this with a 25-year-old woman who asked about it. Or see a summary in our getting life insurance younger explainer. Declare ALL pre-existing physical and mental health medical conditions or it could invalidate the policy. If you've ever needed medical treatment, assistance or medication in the past, for physical or mental health conditions, it could be considered a pre-existing condition - eg, high blood pressure. Check how far the insurer asks you to go back, and be honest, or it could nullify the policy or reduce the payout (though for some, sadly, pre-existing conditions can make it very costly, which is why we suggest you get advice in that case). More in our Life insurance with a pre-existing condition help. Life insurance and the advice are regulated, you can complain to the Ombudsman if treated unfairly. This is Financial Conduct Authority-regulated. If you receive wrong advice from an advisory broker, or a claim is unfairly rejected, you have recourse through the Financial Ombudsman. Yet if you use an execution-only broker, as the name suggests, it's execution only. They just process your request, so you generally don't have recourse there (unless they process it wrong). Related Guides: Cheap or free Wills | A Power of Attorney is often even more important than a will | Who'd look after your children if you died

 

 

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.

 

 

 

If your flight's delayed or cancelled you're often entitled to compensation of £200+ per person! Know your rights... Lilia did: "Read your guide - got £520 back each after our flight from Korea was delayed" The summer getaway's in full swing. And while most flights go without a hitch, some don't, lumping travellers with the headache of delays and cancellations. Yet many are unaware that if the airline's at fault, you've a legal right to claim between £110 and £520 in compensation per person. That's ON TOP of any refund, alternative flight or food reimbursement. Lilia emailed: "Travelling home from South Korea, a plane tyre change delayed our flight by four hours, so we missed our connection in Germany and arrived in London a day later. When we emailed the airline, it refused compensation, saying we didn't take off from an EU country. However, after reading Martin's website, I pointed out my rights, citing the relevant law. It reimbursed us £520 each. A huge thank you." Full help in our flight delay & flight cancellation guides, but your rights in brief... The rules apply to any UK or EU 'regulated' flight. It's important to understand which flights count. Two definitions: a) Any flight leaving a UK/EU airport (regardless of airline) b) Flights arriving at a UK or EU airport, provided it's a UK or EU airline  An example helps... from London to New York, you're always covered as its leaving a UK/EU airport. Yet while you're covered if you fly from New York to London on, say, KLM (Dutch airline), you're not covered on American Airlines, as its not a UK/EU airline. In which case, the protection would depend on US rules - for this, see our not on a UK/EU flight help. This isn't just for recent flights, you can go back six years (five in Scotland). Most people do this straight after an eligible delay. But if you've historic delays, you may be able to claim for those too.   For DELAY compensation, the flight must have arrived over three hours late. When you took off is irrelevant - what counts is when the doors open on arrival - here's how you check delay lengths. Compensation amounts are between £220 and £520 depending on the length of both the flight and the delay (lower for shorter, higher for longer). For CANCELLATION, the compensation is all about when you were told your flight was cancelled AND how late or early the alternative flight was. You're always entitled to a choice of a refund or alternative flight if an airline cancels a flight, regardless of why or when it was cancelled or whose fault it was.  Compensation of between £110 and £520 may be due on top if the cancellation was within two weeks of your departure and the alternative flight offered takes off earlier or later than the original (how much earlier or later matters, as it partly determines the amount of cancellation compensation you get - flight distance also has an effect). Even if you chose a refund and not an alternative flight, compensation is still based on the time of the alternative flight offered. Whether it was a delay or cancellation, you're ONLY due compensation if it was the airline's fault. Many issues are defined as the airline's fault - for example, staff shortages (including due to illness), or knock-on issues due to the prior flight(s) being delayed. But 'extraordinary circumstances' such as extreme weather, or problems directly caused by 3rd parties, eg, the airport or air traffic control, don't count. See what counts as the airline's fault. Use the FREE online tool to help draft your complaint - DON'T pay to claim. The flight delay and flight cancellation reclaim tools draft your complaint and remind you to escalate it to the relevant resolution scheme if rejected - and as it's totally free, you keep ALL the compensation. Though if it gets tricky, there's no-win, no-fee help available as a last resort. Should I always claim if I'm eligible?  It's up to you, but if the flight cost £20, is it fair to claim back £100s? See Martin's legal vs moral concerns for help. If you're significantly delayed at the airport because of the airline, it should pay you for food & drink. And, if necessary, overnight accommodation. In most cases this'll mean you pay and get reimbursed - so keep receipts. See rights if delayed at the airport. PS Missed a flight because of queues for the EU's new entry/exit system? That's not the airline's fault, so the rules above don't apply, and travel insurance is unlikely to cover it. It's scant consolation, but you can claim back air passenger duty.

 

Martin 1min video: "Three numbers you need know to protect yourself from scams!" Pls spread word. Ends 2pm Fri. FREE £225 to switch to top bills or joint bills current account. Right now, via this specific link, Santander Edge* newbies switching to it get the normal £180 cash plus a £45 Amazon voucher. It's the top account for bills, as while you pay a £3/mth fee, it gives 1% cashback on household bills paid by Direct Debit - council tax, energy, water, broadband, mobiles etc (max £10/mth) - putting most homes easily in profit. If you open it, you can also open its linked 6% easy-access saver for up to £4,000, and regular saver paying 8% on up to £200/mth. For full review & eligibility info, plus details of other top switchers accounts, see top free-cash bank account. News. High Court mostly backs car makers in diesel emissions claim - what happens next? It's a setback but it's not over... Diesel claims update. The top balance transfer just got cheaper - shift debt to 0% interest for 36mths. A balance transfer is where you get a new credit card that pays off your existing cards, so you owe the new card - but at 0% interest. A reminder that the top card from HSBC (existing customers use this link) gives a definite 3yrs 0%, now for a lower 3.09% one-off fee. Plus, transfer over £500 and you get £25 cashback, effectively reducing the fee. Golden rules: Repay at least the monthly minimum & clear the card before the 0% ends, or it jumps to 24.9% rep APR interest. Full info & more options in Top balance transfers. Civil Service Pension scandal - deadline missed, 1,000s still waiting for payments. See the latest Civil Service Pensions news. New MSE Pick Me an Energy Tariff tool. As fixed tariffs get a tad cheaper too. If you get analysis paralysis when you compare energy tariffs and struggle choosing between a long list of similar-looking deals, then our Cheap Energy Club's Pick Me a Tariff tool, (re)launched last week, should help. Quickly tell it what's most important to you (price, a fixed deal, a name you know, etc) and it will find your closest match. And switchable prices have got a little better in the last few days too (though still aren't great). Of course, if you prefer, you can still do a full comparison. £90 Kärcher window vac for £45 with code. MSE Blagged. Cheapest we've ever seen it. 6,000 available. Kärcher Martin: Have you or someone you love struggled with mental health AND money? My Money & Mental Health Policy Institute (MMHPI) charity is 10 years old this week. Watch this video showing exactly what it does - and how the brilliant team changes laws and business behaviour, and how people are helped. But none of that can happen without people with lived experience sharing feedback, so pls join MMHPI's Community. Extra 40% off code on New Balance sale items, eg, £50 leggings £15. Till Sun. New Balance code Warning. "Please spread word - we're being forced to close and move £1,000s from our kid's Junior ISA because we didn't know they had a Child Trust Fund!" Around 1.7 million Child Trust Funds accounts were set up automatically, meaning it's easy to double up. A salient warning from one MoneySaver who thought he was doing the right thing investing for his child in an ISA. See Check before you JISA!. 'My wife left me with £27,000 worth of debt. Thanks to Martin's advice, I'm now debt free.' Success of the week. An inspirational story from Dave, who emailed after watching Martin's show and reading our Debt help guide: "I would just like to say a big thank you to Martin for advice he gave on a programme six years ago about debt. My wife left me in 2020 with £27,000 worth of debt and a mortgage deficit of £22,000. I didn't know where to turn. Martin mentioned StepChange and everything he said about it was true - I had my best night of sleep for a long time. Due to his advice, I engaged with StepChange and after six years I am now DEBT FREE. Once again, Martin, thank you." If we've helped you save or reclaim (on anything), please tell us about it. Can AI improve your finances? Could clearing our mortgage hurt our credit score? How old paperwork boosted my pension! Martin answers these questions and more from listeners in this week's Martin's Question Time podcast. Do give it a listen via BBC Sounds | Apple | Spotify etc. What is it you just don't get about money? Beginner's guide to pensions, energy, credit cards, return rights and far more. Part two of Martin's 'I don't get money' series. Do listen to Martin's new Big Topics pod. Listen via BBC Sounds | Apple | Spotify etc.

 

 

BLAGGED FOR MSE - £90 Kärcher window vac for £45 with code 6,000 available - Extra £30 cashback on £5+ online spend 20,000 available - Grind 35% off matcha code Ends Mon 3 Aug	DID YOU MISS? - Martin: "I nearly got scammed - it can happen to anyone" - 23% off one-year & three-year digital railcards - "Your Council Tax advice saved me £7,600" - It's barking... 90% off code for a month's 'tailored' dog food - Got a student loan? The FOUR ways it can be wiped

 

 

Home insurance alert If your renewal isn't CHEAPER than last year, you're likely being overcharged! Check with our Home Insurance Compare+ tool As Henry did: "I saved nearly £400 using your online tool - thank you!" It's not looking great for home insurance prices. The data shows it's starting to get costlier each month - and though overall prices are still down 7% on this time last year, according to Defaqto, just a couple of months ago it was 10%. It's important to understand that when your renewal comes, the same price as last year isn't a good price - you're potentially paying more than you should. So it's worth five minutes of your time to see if you can lock in a low price using our Compare+ Home Insurance tool. This also applies even if you're not at renewal. As Henry emailed last month: "I have just saved nearly £400 on my home & contents insurance using your online tool. Down from £682 with the company I've been loyal to for far too many years, to £287 from an alternative. Many thanks." The situation's similar in car insurance:  Try the Compare+ Car Insurance tool (or read more on this in our 7 April newsletter.) 1. The easy way to do all our tricks is by filling in one questionnaire... We know getting quotes isn't always fun (until you spot the savings possible), which is why we've shifted from a huge guide full of tricks to cut costs and automated them into our Compare+ Home Insurance tool. With it, you just fill in the question set (we borrow MoneySupermarket's - we're part of the same group, so if you've used that before, your answers auto-fill). It'll then... - Give you a benchmark quote using the cheapest deal from MoneySupermarket's comparison. - Tell you which questions really affect costs with our unique Price Impact Indicators (and highlight any cost-cutting changes you can make). - Show you which other comparisons to add in, and in what order. - Take you through whether you're getting your quotes at the best time. - Give personalised tips - about the excess level, the best way to pay, if you should combine it with car insurance & more. 2. Are you sure you're covering the right things?Everyone - including renters - should consider contents insurance, but buildings insurance is usually only for freehold homeowners (otherwise it's typically the management company's or landlord's responsibility - check your lease if you're not sure). - Contents insurance: Beware UNDERinsuring. Many underinsure, thinking: "I'd never claim for everything"... but insure only half your contents' value, then claim for, say, a TV, and you may only get half the TV's worth once the insurer assesses whether the cover was accurate. Use a contents calculator. - Buildings insurance: Beware OVERinsuring. Many wrongly insure for their home's market value, but what counts is how much it'd cost to rebuild if it was knocked or burnt down. Use a rebuild cost calculator to find out. 3. Not at renewal? It's still worth a check. If prices do climb, getting a new policy now means you benefit from locking in today's lower prices for a year. This is only worth doing if you haven't claimed and can find a materially cheaper price than you currently pay. It's worth a few minutes on Compare+ to check. If you can save, sign up for your new policy then cancel your old one. You should get a pro-rata refund for the rest of the year (bar a £50ish admin fee), but you usually won't earn that year's no-claims discount. Tip: When checking prices, set your policy date to start 15 days ahead - this is the sweet spot for the cheapest prices. And as the start date is irrelevant if you're mid-year, you may as well make it perfect. 4. Make sure the policy's right for you & complain if you're unfairly treated. As with any insurance, check the policy details to ensure it's the cover you want, and that the insurer's regulated by the Financial Conduct Authority before you buy. If a claim's unfairly rejected, you've a right to take it to the free Financial Ombudsman.

 

FREE Lego Pokémon mini-figure. This Saturday at two toy chains; limited stock. Brickachu Martin 1min video. Is your debit card a secret debt card? Subscribe to Martin's YouTube for all his vids. Get an extra £30 cashback when you spend £5+ online. MSE Blagged. Newbies to cashback site Quidco can grab this £30 bonus by signing up using our link and spending £5+ via the site. Cashback boost Parent on a low income? Check NOW if you qualify for expanded free school meals in England. From September, children in full-time education in England will qualify for free school meals (worth around £500/yr per child) if their parents/carers get ANY amount of Universal Credit (previously, you had to earn under £7,600/yr). This is a big change and many more now qualify, so it's worth claiming. See expanded free school meals. £2 fares, kids go free and more bus travel savers. The new Prime Minister has announced that the £2 bus fare cap in England will return next year, but that's not the only way to save. The deals on the bus go round & round... Grind 35% off matcha code. MSE Blagged. Valid on sets, refills, and ready-to-drink cans. Matcha made in heaven

 

 

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AT A GLANCE BEST BUYS 0% balance transfers Top definite 0% card + £25: HSBC (check eligibility; existing customers use this link), 36mths 0%, 3.09% fee, 24.9% rep APR No-fee 0%: Virgin Money (check eligibility) 12mths 0%, 24.9% rep APR Best bank accounts Ends 2pm Fri. Free £180+ £45 Amazon voucher: Santander Free £220: HSBC Broadband top picks Fast fibre (100Mb+): Sky '£17.96/mth'  Superfast fibre (500Mb+): Vodafone '£22.63/mth'  Ultrafast fibre (900Mb+): Sky '£22.17/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 New. 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% up to £3k, min £1 Top easy-access ISA: Trading 212 4.71%, min £1 Top one-year fix: OakNorth Bank 4.91%, min £1 Top energy deals Use our whole-of-market Cheap Energy Club Cheap Sims Up to 3GB data: Lebara, '£2.36/mth' for 3GB  4GB to 9GB data: Lebara, '£2.38/mth' for 5GB  10GB to 30GB data: Lebara, '£2.42/mth' for 10GB  31GB+ data: iD Mobile, '£6.88/mth' for 100GB

 

 

MSE NEWS - Top story: NatWest and RBS to cut cashback on 'Reward' accounts by £12 a year - Electricity VAT to be scrapped for six months from 1 October - watch Martin's analysis

 

 

MONEY MORAL DILEMMA Should I tell my brother and his wife they don't need to buy me presents?I'm a childfree aunt to three young nephews and I love to buy them presents, take them on days out and give them pocket money. Their parents don't have much money to spare, but they get me birthday and Christmas presents 'from the kids' to say thanks. While I appreciate the gesture, I'd far rather they put the money towards themselves or the children. But I'm worried if I say this it'll come across as ungrateful and patronising. Would you say anything if you were me? Enter the Money Moral Maze: Should I tell my brother and his wife they don't need to buy me presents? | Suggest a Money Moral Dilemma (MMD) | View past MMDs

 

QUICK DEALS - Wingstop: FREE £11 chicken wings on Wed 29 Jul only, first 100 people per branch - Co-op: £4 for steak and chips for two - Gaucho: Two course meal for £10 - Tesco: Free apple for kids every time you shop - Zizzi: 50% off lasagne on Wed 29 Jul only - Ends Fri. SpeckyFourEyes: £37 Ted Baker prescription specs or sunnies (normally £135)

 

 

MSE TEAM BLOG - MSE Forum highlights: bags, bees & building up savings

 

 

 

Important. Please read how MoneySavingExpert.com works We think it's important you understand the strengths and limitations of this email and the site. We're a journalistic website, and aim to provide the best MoneySaving guides, tips, tools and techniques - but can't promise to be perfect, so do note you use the information at your own risk and we can't accept liability if things go wrong. What you need to know This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances - and remember we focus on rates not service. We don't as a general policy investigate the solvency of companies mentioned, how likely they are to go bust, but there is a risk any company can struggle and it's rarely made public until it's too late (see the Section 75 guide for protection tips). We often link to other websites, but can't be responsible for their content. Always remember anyone can post on the MSE forums, so it can be very different from our opinion. Please read the Full Terms & Conditions, Privacy Policy, How This Site is Financed and Editorial Code. Martin Lewis is a registered trade mark belonging to Martin S Lewis. More about MoneySavingExpert and Martin Lewis What is MoneySavingExpert.com? Founded in February 2003, it is now the UK's biggest consumer help website, with around 9.5 million users and 45 million page views a month, and about 9 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. Who is Martin Lewis? 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. What do the links with an * mean? Any links with an * by them are affiliated, which means get a product via this link and a contribution may be made to MoneySavingExpert.com, which helps it stay free to use. You shouldn't notice any difference; the links don't impact the products at all and the editorial line (the things we write) isn't changed due to them. If it isn't possible to get an affiliate link for the best product, it's still included in the same way. More info: See How This Site is Financed. As we believe transparency is important, we're including the following 'un-affiliated' web-addresses for content too: Unaffiliated web-addresses for links in this email santander.co.uk, howdenlifeandhealth.co.uk, moneysupermarket.com, life-insurance.activequote.com Financial Conduct Authority (FCA) Note MONY Group Financial Limited is authorised and regulated by the Financial Conduct Authority (FCA FRN: 303190). MoneySavingExpert.com Ltd is a company registered in England and Wales. Company Registration Number: 8021764. Registered office: One Dean Street, London, W1D 3RB. MoneySavingExpert.com Limited is an appointed representative of MONY Group Financial Limited. To change your email or stop receiving the weekly tips (unsubscribe): Go to: www.moneysavingexpert.com/tips.