Energy firms are said to be sitting on over £3 BILLION of our cash, building up this huge reservoir from the two-thirds of homes who pay by monthly Direct Debit. Yet right now, May, is the PERFECT TIME to stop the rip-off and get that money back – it's all about understanding the Direct Debit cycle.

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.

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.

No one set out to make dealing with finances difficult for people with mental health issues, but rarely did they think about how to make it easy. So there weren't any 'bad actors', but lots of terrible systems. After having had my own 'dark days', I always vowed that when I could, I wanted to try and do something about it. So in 2016, I set up the Money & Mental Health Policy Institute charity. I'm still the chair of trustees today and provide the core funding as part of my charity fund.

It is a national tragedy that getting on for a million pensioners, many of whom have been paying into the system for years, are missing out on a critical boost to their income. It's called pension credit.

The PPI deadline might've passed a while back, but if you're one of the millions of people who reclaimed part of the more than £38,000,000,000 paid out, you need to know about the tax on PPI reclaim amounts. 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, you could be due £100s back.

Martin Lewis dissects how much energy bill credit is too much, and when it's best to ask for it back

There's a lot of nonsense spoken about student finance. Not only because its fundamentally misunderstood by millions, but also as the system has changed so often, even if you talk to someone in their second or third year at uni now, the way it works for them is different to you, never mind those who graduated a decade or two ago.

A dozen years 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 a duty of transparency, every year or so I bash out a blog report to explain where I'm up to, and who's got what money.