Martin Lewis: 'UO is just as important as UX: A tip for anyone developing their website or app'

I set up MoneySavingExpert.com nearly 20 years ago – when arguably the modern web was still in its infancy. With an abundance of self-belief (something I had too much of then, as I realise now) I decided not to read any books, or follow prevailing wisdom on how a site should operate – and just do it my way.

Martin Lewis: Got a cash ISA? You should probably ditch it

Press the rewind button and go way back – before Covid, before Brexit – to April 2015, then picture a devastatingly handsome man at home, on the sofa, talking about money with his wife. Well, he has nowt to do with this, but possibly on the telly in the corner, I was on-air at the time urging savers as usual to use their new tax-free cash ISA allowance – because 'money was nicer in an ISA'.

Using plastic overseas? Always PAY IN EUROS (even if it says 0% commission)

Update 3 May 2022: I wrote this blog back in 2013, but while it's a little dated, and the rates are wrong, the logic is still the same.

I couldn't believe my ears. While filming in southern Spain for the new series of my show, the producer told me he'd found a cash machine offering 0% commission if you chose to withdraw in pounds. In theory, that'd mean PERFECT exchange rates.

Martin Lewis: Money and Mental Health charity 2021/22 – Covid & cost of living hell...

It's hard to believe the Money and Mental Health Policy Institute (MMHPI) charity is now six years old. In that short time, it has established itself as the go-to place for politicians, regulators and firms for help on how to divorce the marriage made in hell that is debt and mental health issues.

Martin Lewis: What happened to my pledge to give £10m to charity – 2022 update (spoiler: it's now £20m)

Nearly a decade ago, in June 2012, MSE joined the Moneysupermarket Group and I pledged £10m to go to charity. As that was a public pledge and I feel I've a duty of transparency, every year or two I bash out a blog report to explain where I'm up to, and who's got what money.

Martin Lewis: Had a PPI payout? If so, you can reclaim the tax on it

The PPI deadline may have passed, but if you're one of the millions of people who have reclaimed part of the £38,300,000,000 paid out so far, or you're one of those waiting to hear if a payment will come, you need to know about the tax on PPI payouts. This is automatically deducted, even though most people don't need to pay it. So if you've been paid out within the last four years, or you get a payout in future, you could be due £100s back.

Martin Lewis: An important warning to every employee in the UK

This is a warning for every worker in the UK. Have you turned down a pay rise without realising it? Millions have – around 10% of the workforce currently – and many others risk doing it, unaware of the consequences. It happens when your employer 'auto-enrols' you into a pension scheme, but you decide to opt out – in most cases, a huge mistake.

Martin Lewis: Employed aged under 22, or any age earning under £10,000? How to get a hidden pay rise

If you're under 22 or on a low income, a pension is probably the furthest thing from your mind, but what if I were to tell you there's a totally legal way, that doesn't need any negotiation, to make your employer pay you more money – possibly £1,000s over the years? Hopefully that piques your interest, and means you'll forgive me for not mentioning pensions in the blog title – but I wanted to ensure you read this.

Martin Lewis: Working from home due to coronavirus, even for a day? Claim TWO years' worth of tax relief

If your employer requires you to work from home, you've always been able to claim for increased costs, eg, heat or electricity, for the specific time at home. Yet during the 2020 lockdown, HM Revenue & Customs (HMRC) launched a 'microservice' which, even if you only needed to work from home for a day, allowed you to get a WHOLE year's tax relief.

Martin Lewis: Financial abuse, joint accounts and managing money within relationships

Financial abuse is the hidden financial cousin of domestic abuse – it's all about dangerous, unfair control using finances. It can be subtle or brutal. So be aware of it both for your own relationship, and for others – but this blog's about more than that too...