Poll

A brand new tax year has started, allowing all UK over-16s to save £5,760 in a cash ISA where the interest is tax-free (see Top Cash ISAs for full info). Yet many still find them confusing. Which of these is nearest to your CASH ISA scenario?

Sites such as Groupon, LivingSocial and KGB Deals appeared like a rash a couple of years ago, with super-hot loss-leading deals. Yet do you now feel they’re just lukewarm? Which of these is closest to your view?

Digital TV, broadband, credit cards, insurance and more. It's possible to haggle with call centres across the UK – whether for cheaper prices, better deals or reduced interest. Which service companies have you successfully haggled with IN THE LAST YEAR? (Select as many as you want from the major providers below.)

Consumer tech’s becoming a bigger part of our daily lives. We’d like to see what’s changed since we last did this poll in 2010. Which gadgets do MoneySavers now rely on? Please select all the ones you own.

If you’ve used any of these major airlines that operate from the UK in the past TWO YEARS, please rate them for customer service. Select as many or as few as you want to rate.

Tobacco ads are already banned. Do you agree with this? Which ads do you believe should be banned from TV screens, or is it down to the public to take responsibility for their choices? Please TICK ALL CATEGORIES that should be banned (leave empty if no ban).

With the value of the pound plummeting, how you spend abroad counts (see Cheap Travel Money). Which of these is your most common method?

We thought we'd break with the MoneySaving and have a little bit of fun on our birthday weekend. So we want to know what your favourite crisp flavour is, of the major ones below. It's crunch time, tell us your pick.

The mislabelling scandal over horsemeat shows that until told, many didn’t notice the difference. Yet if you KNEW it was horsemeat - and was bred for eating, thus safe - would it make a difference? How much cheaper would it need to be before you’d knowingly buy a horsemeat ready meal (or steak) compared to beef?

Valentine's is coming, but has using vouchers finally broken through the last taboo? Is it acceptable to use a 2for1 voucher on a first date? We asked this last year - let's see if it's changed... Imagine Bob asks Sarah to dinner on a first date, saying he'll pay. When the bill comes, he pulls out a 2for1 voucher – what advice would you give Sarah?