I will start by pointing out that I don't consider myself to be the average member of Money Saving Expert. I don't have a mortgage or any debt, I don't have any utility bills to pay and I don't do the food shopping for my househhold either. Despite all of this, I still find the Money Saving Expert website to be very relevant to my life and I find that it encourages good spending habits and inventive thinking.

When I check my emails on Wednesdays, I know I'm in for a treat. I'm aware that this sounds cheesy but Martin has began to feel to me like a family member who is full of useful tips on how to make my money go further. I'm especially enjoyed the Money Dilemmas and the "Spill The Beans" sections of the weekly email, however it also gives me ideas of great offers that I might have missed otherwise, such as cheap meals out or free magazines.

The forums are my greatest source of inspiration on a day to day basis when I need to do a bit of financial soul searching. The stories of the members are incredible, from people who have made their way out of endless debt to people just beginning their journey to one retired lady that I particularly admire who has continued the frugal ways of life she was taught during the war. The challenges are ingenious, there is no other word for them. Often the best ideas encourage a habit of saving money or paying off debts without feeling any pain, such as the Sealed Pot Challenge or the 1% at a Time Challenge, where instead of trying to pay off £8000, one member is looking to find 100 ways to pay off £80!

A great social experience mixed with informative tools and articles, thanks to this website I now hope to get through my University years debt free! There's something for everyone regardless of financial situation and is a very welcoming environment to peoplefrom all backgrounds.