Spend with confidence: 5 brilliant benefits of Which? Money membership

If you're looking to take control of your finances and make smarter buying decisions, Which? Money is here to help. Our team of experts are always on-hand to share the latest cost-cutting tips.

At a time when we're looking to make our money work harder, Which? Money members can take full advantage of our award-winning magazine, plus enjoy unlimited access to our phone helpline.

Keep scrolling for more details on how a Which? Money subscription helps you make financial decisions with confidence.

Not yet a member? Sign up to Which? Money today and make your money go further.

1. Explore Which? Money – the UK's best-read personal finance magazine

A subscription to Which? Money means you get the latest edition of our magazine every other month, delivered straight to your doorstep. Tucked inside, you'll find expert guidance based on our original research, along with tips that help you avoid dreaded rip-offs and scams.

Our unbiased help and advice is independently researched and covers topics that matter the most to our readers, from savings and investments to tax and pensions. We're constantly looking for new ways to help our members save money.

The Which? Money magazine tells you precisely how to lower your monthly spend. We also review financial providers and highlight the products that simply aren't worth your money – and there are plenty of them.

Every issue of Which? Money also includes our jargon-busting Money Saver and Investments Made Simple guides, which you won't find online.

2. Which? Money 1-to-1 guidance offers personalised guidance by phone

As a Which? Money member, you can reach out to our experts for help with your finances as many times as you need to – we don't limit the number of calls made from your account, or how long you're on the phone for. Between them, the Which? Money 1-to-1 guidance advisers have over 100 years of experience in the financial services industry.

Speaking directly to one of our experts via Which? Money 1-to-1 guidance means you can get guidance perfectly tailored to you. We understand how important it can be to get clear financial guidance without delay.

Our dedicated team is able to discuss a host of money issues. In fact, since we launched Which? Money 1-to-1 guidance  back in 2009, we've helped over 190,000 people with their financial queries.

Popular topics that we've dealt with include:

• Car insurance
• Banking
• Credit cards and loans
• Home and travel insurance
• Mortgages
• Pensions
• Tax
• Wills
• Getting your money back after scams

Which? members can book a Which? Money 1-to-1 guidance appointment here or call us on 029 2267 0000. We're open Monday to Friday, from 9am to 5pm.

Alongside the member-only perks that we've mentioned above, all Which? readers are treated to the following:

3. Your free Money newsletter, delivered weekly

Our free Money newsletter is sent straight to your inbox every week. It's packed with tips on how to manage your finances, with details on how you can easily lower your bills and save extra cash.

Here's a sample of stories previously featured in our free Money newsletter:

• 11 tips to save on the cost of your subscriptions – Find out how to cut down your monthly costs on coffee, Disney+, Netflix and more.
• 5 surprising events your home insurer might not cover – If your home burnt down, you'd assume your home insurance would pay out. But beyond that, what's covered can be far from clear.
• Best travel credit cards 2023 – We reveal the top credit cards to use for overseas spending or shopping in a foreign currency, and our Best Buys.

4. Listen to the Which? Money podcast

The Which? Money podcast offers advice to help you get on top of your bills and tackles the issues hitting your pocket – from spiralling energy costs to your weekly food shop.

Our money experts bring you brand new episodes of the Which? Money podcast every Friday, available via our website, Apple Podcasts or Spotify.

Some of our previous Which? Money podcast episodes include:

• Are cheaper energy bills on the way? – With news the energy price cap is to fall, we ask whether this means electricity and gas bills will follow suit.
• Why are car insurance rates rocketing? – We explain why we’re being charged more, as well as the things we can do to try to bring down the price of our premiums.
• Will food prices come down soon? – As inflation falls, we ask if supermarket groceries could follow suit or whether they’re likely to remain higher than we’d come to expect.

Take a look here for instant access to every Which? Money podcast episode.

5. Money stories on your PC and smartphone

Our writers at Which? Money bring you the latest news from the financial world. Whether there's a significant change to the housing market or new savings to be made on popular services, we'll be ready to delve deeper and provide expert analysis.

Our stories cover a host of topics, including:

• Staying on top of the housing market – we keep you informed on what's happening to housing prices and offer tips on how you can buy a home for less. Our experts also delve deeper into mortgage rates for home movers and first-time buyers.
• Manage your savings – no-nonsense advice on how to boost your pot, plus analysis of the impact of inflation and how it affects your finances.
• Lower your monthly spend – our readers are keen to save money, which is why we share money-saving tips linked to TV subscriptions, household bills, school uniforms, holiday offers, train tickets and more.
• Stay up-to-date with news from your bank – as banks roll out new offers for account holders, we're ready to explain what's changed. Our news also covers student bank accounts, switching offers and mobile security.

Browse all of our Money news stories and bookmark the page if you'd like to check back.