Ready for your holidays? Here are value tips on your currency, cash and insurance needs from Martyn Hocking (editor of Which? Money).

Many credit card providers are putting interest rates and charges up.

We investigate why and offer some advice, writes Martyn Hocking, editor of Which? Money.

Anyone can fall for a scam. Thankfully, according to a new Which? Money survey, our members are a pretty savvy bunch.

However, the Office of Fair Trading (OFT) estimates that around 6.5 per cent of UK adults fall victim to scams each year – losing a total of £3.5bn.

What's in store when I use a card?

Here are some answers to your questions about the results of using store and loyalty cards, writes Martyn Hocking, editor of Which? Money.

Life insurance is essential for anybody who has someone who depends on them financially.

However, half of the people in our latest survey don't have any life insurance cover at all.

Energy bills may finally be coming down but, as the economy shrinks, we are all looking for better service at reasonable prices.

And energy suppliers need to take note.

Your age, address and car model make all the difference to your insurance premiums.

Whatever your circumstances, you can make big savings – and they are just a mouse click or phone call away.

Since October 2008, the Bank of England has cut interest rates to the lowest level in its 315-year history.

As a result, interest rates on savings accounts have fallen are falling rapidly, making it more important than ever to check your savings regularly and to switch to a Which? Money Best Buy if necessary.

From dodgy direct debits to confusing cooling-off periods, the world of money is littered with pitfalls and annoyances.

Thankfully, there is a host of rules and codes that can protect you.

A new Which? Money survey found that five per cent of members with a credit card had one associated with an airline.

If you do most of your spending on plastic and travel a lot, extensively, you may be tempted by an airline credit card, which rewards you with airmiles for spending.

With the global recession gathering pace, financial products are changing more rapidly than ever.

Interest rates fluctuate, companies merge or close, and there's no guarantee that a good deal will last for long.

Saving £50 a month for your children or grandchildren from birth could earn them a nest egg worth more than £14,800 by the time they reach 18.

But if you don't start saving until they are ten, they could only get around £5,010.

We all need it – but many guess at what how much they need, and if you get it wrong your home insurance could cost you dear.

Which? Money editor Martyn Hocking explains how you could save up to £226 on home insurance.

The recession should not stop you planning your financial future.

We show you the best ways to save the money you need to enjoy a comfortable lifestyle when you stop working full time.