So Egg have decided to cancel their credit card agreements with over 160,000 customers which is an intriguing development.

They aren’t asking these people for the money they owe (if they do owe anything at the moment), they are simply cancelling their cards so that they can’t spend any more but can continue to repay any debts at a rate they choose.

Is it just me who finds this a bit worrying?

Going to university is a different experience for different people, and I think everyone who goes gets something out of it - even if they don’t ultimately graduate or whatever.

I was only 17 when I headed off to Heriot-Watt University in Edinburgh, and a pretty immature 17 year-old at that. In hindsight I was far too young to be going but I had finished my time at school and it seemed like the next step - I never really thought much about it or what I would do when I left, all my friends were going so I just followed suit.

At last!

My mobile phone contract is due for renewal at the end of this month so I decided to have a look around for a better deal - loyalty doesn’t pay remember.

I’ve been with O2 for years now and I decided that I was going to find the best deal I could and then offer them the chance to match it or I was off to pastures new.

Having checked my old bills, I text a lot more than I talk - in fact some months (most months in fact) I don’t use any free minutes at all, so I was looking for a package with mainly free texts.

Another tip pointed out by MoneySavingExpert.com…

Amazon operate a rather strange refund policy - if you buy something and then find that they have reduced the price within 30 days then you are entitled to contact them and ask for a refund of the difference so you basically pay the new lower price.

This is obviously a good time of year to be finding this out as a lot of people would make purchases in December prior to Christmas only to now see the goods in the inevitable January Sale.

Martin Lewis is a clever man - and I’m glad he is on our side rather than on the side of big business.

If you don’t know him, he runs a website called Money Saving Expert which offers up loads of helpful hints and tips on how to try and save money on things like mortgages, loans, credit cards and practically every other outlay from utility bills to buying gifts.

I’ve been a subscriber to his weekly e-mail for a little while now, but to be honest while his views have definitely changed the way I think about money and debt, I’ve never really followed through and acted on very much of his advice other than trying to reclaim bank charges.