Pay freeze for 9,000 Virgin Atlantic staff as carrier faces record annual loss of £135m

Troubled times: Virgin Atlantic hopes that a partnership with US carrier Delta could reverse its fortunes.

The transatlantic carrier's decision to freeze pay and push on with a cost-cutting restructure has given rise to fears of future job losses. It has been reported today that the latest draft of its full-year results show a deficit running at a staggering £135million, more than 60 per cent higher than the £80million loss it made last year.

Hornby boss Frank Martin heading for the exit after a string of profit warnings and a 70% drop in value in 6 years

Heading for the exit: Hornby boss Frank Martin is being given the boot after a string of profit warnings at the toymaker, according to City sources.

Children's toy maker Hornby is to search for a new boss to replace its current chief executive, the Daily Mail has learned.

Future of WPP chief Sir Martin Sorrell in doubt after shareholders threaten to rebel for a second year over his pay

Pay row: WPP boss Sir Martin Sorrell is facing another row with shareholders over his pay.

The row over pay at WPP has flared up again with investors threatening to show boss Sir Martin Sorrell the door if he does not show more restraint.

SAVE OUR SAVERS: 'Cash Isa rates are poor, but it’s still worth growing riches,' admit families eager to secure future

Starting: Joanne and Andrew Doyle, with daughters Annabel, centre, and Florence

Lib Dem minister distances party from Labour's bid to introduce 'mansion tax' on homes worth £2m

Minister: David Laws MP said the Liberal Democrats cannot 'flounce off' on the Coalition when an opposition motion is put forward which backs Lib Dem policy.

Schools minister David Laws said coalition parties could not go 'flouncing off' every time the opposition put down 'opportunistic' motions.

Consumers start to spend again, but largely on leisure and travel rather than in stores

People spent more on holidays and eating out

Consumer spending jumped by 4.2 per cent last month, the fastest rate in more than a year, but restaurants and airlines were the main beneficiaries.

Booze control: Wetherspoon boss wants a chain of motorway pubs - starting with the M40

Take a brake: Wetherspoon will soon sign a deal to open its first motorside pub off the M40

Inspired by Kraftwerk's famous track 'Autobahn', maverick founder of J D Wetherspoon Tim Martin has his sights set on a chain of pubs in motorway service stations.

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MIDAS SHARE TIPS: Holiday group TUI aims for 10% a year profit rise, as families take advantage of package breaks

Affordable: TUI prides itself on all-inclusive trips, so families know their exact costs before travelling

As Thomas Cook cuts 2,500 jobs and closes stores, rival TUI Travel, Britain’s leading holiday group, is having a strong start to the year and its shares have long-term potential. Analysts expect profits to rise from £390million in 2012 to more than £430million for the year to September 30.

MIDAS EXTRA UPDATE: Shares in dry-cleaner Johnson Service Group doubles since tip

Doing well: The group also owns a facilities management business, providing cleaning for schools and hospitals

Midas Extra, our subscription-based online service, tipped the shares in March 2010 at 19p. They have more than doubled since and brokers believe they have further to go.

What should Vodafone do? Fever builds over future of the mobile phone giant and its possible merger with Verizon

Talks: Speculation has reached fever pitch as Vodafone and Verizon view a possible merger

We would all like a distant relative who occasionally sends us a handsome present out of the blue, but the City reckons it is time that Vodafone put its lucrative arrangement with US telecoms firm Verizon on a more formal footing.

John Longworth: Budget will be the Chancellor's last chance to go for growth

Last chance: John Longworth, director general of the British Chambers of Commerce has called on the Chancellor to come up with policies that encourage economic growth in next week's Budget.

Business supports the idea that Britain needs to balance its books by reducing the deficit. However, many firms are concerned that the country is approaching a tipping point where a lack of growth in the economy makes reducing the deficit close to impossible.

Whether you want to extend your loft, add a conservatory or renovate a wreck, speak to an architect

Whether you want to build from scratch or add a fancy loft, it pays to call in the experts.

So, you want to build a house, renovate a wreck, extend your loft or add a conservatory. You want to change your living space, essentially. The question (apart from finding the cash, of course) is this: do you welcome a visionary into the project? I’m not talking about a therapist. I mean an architect. Architects are not just for TV presenter Kevin McCloud and his Grand Design cronies; they are for you and me, too.

The truth on bosses' bonuses, from the gun-sporting pay chief who said no to Bob Diamond's £2.7m award

Clash: Land Securities boss Alison Carnwath, the only woman to chair a FTSE 100 company

Alison Carnwath is not a household name – but perhaps she should have a place in history as the woman who said no to the ex-chief executive of Barclays' last bonus

JEFF PRESTRIDGE: Banks are passing customer complaints to Ombudsman far too quickly

Jeff Prestridge

With a shameful, short-sighted attitude, the financial services industry continues to do itself a huge disservice by dragging its feet over genuine customer complaints.

TONY HETHERINGTON: Financial services watchdog is helpless over carbon credits scandal

Tony Hetherington

A cold call from a firm encouraging people to invest in carbon credits, promising a profit in a matter of months, had hallmarks of another company previously exposed for its dodgy sales pitch. Tony Hetherington investigates whether there is a link between the two.

Rotisserie chickens feel the heat as sales nosedive after VAT levy

Unfair: According to the council, 70 per cent of rotisserie customers consume their purchase cold

Sales of rotisserie chickens have plummeted 18 per cent since they were hit with the 20 per cent VAT rate in October, according to the British Poultry Council.

Will Rory McIlroy kick-start an Isa rush? Santander resurrects Golf Major deal as it launches two best-buy savings accounts

Rory McIlroy

Santander is launching three new best buy cash Isas on Monday, giving savers' hope that better paying savings deals from other providers may on the way. Its Direct Isa Saver will pay 2.5%, while its Major Isa will offer up to 3% for some savers - with an extra 0.1% if Rory McIlroy wins another Major this year.

Vince Cable backs scheme to sell British luxury to world's new rich, such as India and China

Brand Ambassadors: Burberry¿s Romeo Beckham, Edie Campbell and Cara Delevingne

The business secretary will this week launch a campaign to promote exports of British luxury goods to emerging markets.

Debenhams joins the big squeeze as retailers force cuts and payment delays on suppliers

Textiles: Smaller companies are experiencing cash-flow problems due to their larger counterparts delaying payments

Department store giant Debenhams has been slammed for forcing some of its suppliers to cut their prices by at least two per cent, and even backdating reductions for orders that are already agreed.

Commission may call for tougher laws to curb banks, as reform bill is debated in parliament

Legislation: The Banking Reform Bill will allow regulators to force a bank to be broken up if it tried to cheat the ring-fence separating its retail operations from its investment banking ones

The Parliamentary Commission on Banking Standards will deliver a report on Monday in which it is expected to call for tougher regulation of banks beyond measures already put forward in the Banking Reform Bill.

Savers with pots scramble to avoid rate plunge: Five best cash Isa accounts that allow transfers in

Transfers in: This is Money rounds up the top paying accounts that allow Isa balances from other providers

Fury over wasteful power giants' £500million 'reward' – which may have cost UK households a £20 cut in bills

High voltage: The cash Ofgem is not claiming back would have gone to the energy supply companies and could have been used to cut household bills

Energy watchdog Ofgem is preparing to allow electricity grid operators to keep nearly half a billion pounds raised from household bills – even though they failed to hit targets on stopping power being wasted. It is poised to waive the option to recover the money because it doubts the accuracy of figures for the amount of power wasted.

Good dog! Online sales rocket to £47m for pet drugs provider

Pooch power: MedicAnimal says it is not in competition with qualified veterinarians

MedicAnimal, the online veterinary retailer selling everything from wormers to prescription medicines, saw turnover increase from £16million in 2011 to £47million last year.

Accountants warn Chancellor: Don't mess up over tax cheats

Concern: Some accountants fear that Osborne's plans could affect 'legitimate tax planning'

George Osborne will make the 'general anti-abuse rule' (GAAR) a key part of his Budget next week, but there are fears in the accounting profession that it is too widely drafted.

Payday loan firms 'try to stall reform' as Government aims for industry overhaul

A borrower¿s short-term debt is a ¿fundamental problem¿

Critics told Financial Mail that some lenders, dubbed legal loan sharks, are not passing debtors’ details to credit reference agencies.

'Mis-selling cost me £300K and I get nothing': Victims of investment advice disaster cut adrift by financial lifeboat

£300,000 invested: Gordon Pullan

Tax pensioner perks and ease spending cuts to achieve growth, says Business Secretary Vince Cable, as austerity tactics continue to divide

United or divided? David Cameron giving his speech on the economy on Thursday, and Business Secretary Vince Cable; the latter said disagreements over spending plans have been intense

'We have done very brave things in the first spending round, but we have now got to the point where further significant cuts will do enormous damage to the things that really do matter,' said Cable.

RBS tries to dodge the spotlight on fat cat pay as 95 staff get over £1m

RBS tries to dodge the spotlight on fat cat pay as 95 staff get over £1m

RBS revealed on Friday night it has paid packages of more than £1million to 95 staff, with one mystery banker receiving more than £5million and nine paid more than £3million.

Nationwide launches its first paid-for current account: Would you pay £10 a month to get 3% on your balance?

Nationwide building society, Royal Avenue, Belfast

Britain’s biggest building society Nationwide is launching its first paid-for current account on Monday with the promise of 3 per cent interest on balances and a range of benefits to attract new customers..

Property tycoon Robert Tchenguiz blames Serious Fraud Office for firm's £2.2million loss

Accuser: Robert Tchenguiz with his sister Lisa - the property tycoon¿s offices were raided in 2011

The property tycoon has accused the Serious Fraud Office of being partly to blame for his corporate finance and consultancy firm R20 losing money last year.

From cooking big soups to using old knickers as dusters... The UK's top 50 money saving tricks revealed

Cost saving: Making a massive meal at the beginning of the week to split and freeze is one of the nation's favourite tricks to make the pennies go further

A fifth choose to dye or cut their own hair at home instead of visiting the hairdresser, while others share bath water, drive at a slower speed or flush the toilet only when necessary. As a new study reveals eight in ten people claim to be more conscious than ever before of overspending, we reveal the nation's favourite tricks to make the pennies go further.

Beaten by a country mile: Property prices in cities continue to climb while those in rural areas retreat

Terraced housing in a town centre or rural idyll? 'For some this recent decline may create the perfect opportunity to make the leap from town to country'

Urban asking prices now stand at £315,170 on average, up from £309,280 one year ago, while rural retreats are now £272,180. Over the past 12 months, country property prices have fallen hardest in the North East (down 11.3 per cent) and the South West (down 10.0 per cent)

'Second-steppers' struggle to climb the property ladder thanks to a lack of first time buyers and high deposits

Broken chain: first time home sellers are finding it hard to move up the property ladder.

Nearly two thirds of homeowners wanted to move up the property ladder in 2012 but were unable to as they faced a lack of demand from first time buyers, a report has suggested. Lloyds TSB said 61 per cent of 'second steppers' - former first time buyers who now want to become first time sellers - felt they were unable to make the next move up the property ladder.

ASK TONY: My 15-year-old grandson ran up a phone bill of £3,971 on messages, internet and game purchases

Keeping an eye: Tesco Mobile offers parents and guardians a great way of keeping control of what a child is spending with its 'capped tariff'

I got a mobile phone for my grandson so he could keep in touch with his family when away from home. The monthly rental is £13.31. I subsequently received bills for £1,365.94 due on December 6 and for £1,779.91 due by January 7. Vodafone has agreed to accept £300 a month by direct debit for six months, but I am 77 and get a £750-a-month state pension.

Surge in landlords buying houses in the last 12 months: How you can cash in on a buy-to-let mini boom

Mini boom: New landlords are being spurred on by soaring rents and low mortgage rates

Landlords snapped up more than 73,600 houses last year - the highest number since the Credit Crunch began.

For richer, for poorer: Rising pension age sees women work longer - and husbands show solidarity by retiring later too

Loyal: Husbands of women working longer are showing solidarity by retiring later too.

The IFS found that the number 60-year-old women in work has increased by 27,000 since the female state pension age started rising April 2010 and that an extra 8,300 husbands have stayed in work too.

Five big investment stories for the next 20 years - and how you can take advantage

Climate change: Governments will be forced by necessity to step in and tackle the issues

We identified big investment themes that look likely to generate rich returns over the next couple of decades, and asked top experts for fund and trust tips to exploit them.

Part-time but putting something away: Number of women working part-time and saving into a pension triples in 25 years

Businesswoman

Figures from the Office of National Statistics' (ONS) General life Survey shows that 38 per cent of women working part-time were saving into a workplace pension, compared to just 11 per cent in 1987.

Pothole hotspots revealed: Damage to cars 'three times more likely' on crumbling roads in Scotland and the North

Pothole problem: Drivers in the North are more likely to suffer from axle and suspension issues than those in the South

One in 10 motorists in the Angus region of Scotland will get an unwanted garage bill for suspension repairs this year, compared with just 3.2 per cent in East Sussex, where you are least likely to suffer pothole damage, the research found.

'You don’t have to live in Burnley to bank like Dave': Boss of lend-to-save firm RateSetter tells borrowers and savers to go online

Bank of Dave: Dave Fishwick has captured the imagination of the country with his Channel Four programme

Before you up sticks and move to Lancashire, you might be surprised to know that Dave’s blueprint for a bank already exists elsewhere, and has done for some time: online and available to all, in the form of P2P platforms, says lend-so-save boss Rhydian Lewis.

Money, money, money: How an ABBA song lyric could be the key to password protecting your personal and financial data

Money, money, money: One expert suggests using a lyric from a song which corresponds to the type of account you're setting up a password for as a way to come up an original idea.

One expert suggests using a lyric from a song which corresponds to the type of account when setting up a password is a good way to come up an original idea.

UK workers suffer sharpest wage fall of any developed country as business leaders warn the pain is far from over

Squeezed incomes: British workers have seen their wages plummet further than any other developed country, according to the TUC

Real wages dropped by 4.5 per cent between 2007 and 2011, leaving workers with smaller incomes at a time of rising costs for basic necessities such as food, fuel, gas and electricity.

Tesco Bank ups the rate on its instant-access cash Isa to 2.3% - and it won't all fall away in a year

Rate bump: Tesco's cash Isa has jumped up to second in the best buy table

Tesco Bank will now pay 2.3 per cent to savers in its instant-access cash Isa, a leading easy-access account for those trying to avoid 'bonus rates' that fall away after a year.

The internet business revolution: These websites came up with clever ways to make and save money. Could you do the same?

Pay to stay: Air BnB has taken a new approach to renting out rooms and homes to holidaymakers.

Do you have spare time, a special skill-set or an extra room? Andy Yates explores the weird and wonderful world of online business life. This week the secrets to making money on the internet by helping us change how we live and harnessing the people power.

SMALL CAP MOVERS: Energy and basic resources firms get a boost as Turbo Power Systems surges 175%

Confidence returning: small cap investor risk appetite is returning as various commodity projects take a step forward.

AIM’s top riser was Turbo Power Systems (up 175 per cent today at 0.68p), which more than trebled in value after it unveiled new business worth $3.2million (£2.14million).

Baby boomers say not saving for retirement is their 'biggest money regret'

Save now: Workers are being urged to save as much as they can afford to ensure a more comfortable retirement.

Showing it is not just younger adults who should worry about retirement income, one in five over 55s have told a Standard Life survey that not saving for retirement earlier is their 'biggest money regret'.

Meter reading mistakes cost consumers £1,000s with some energy suppliers taking months to amend their systems

Wrong reading: Gary and Linda Lawrence were overcharged £1,500

Energy firms are routinely bungling simple meter readings and overcharging customers thousands of pounds as a result, Money Mail has found. Along with inaccurate bills, wrong meter readings are responsible for nearly half of all complaints about power companies.

'£1,000 banker's fee dwarfed our profit': Savers lured by promised 25% return end up with just pounds

Isaiah and Gladys Johnson have suffered badly from investments in 'structured products'

Cautious savers who have been lured into gambling their money on fiendishly complicated stock market investments have lost out on thousands of pounds due to poor performance and sales commission, Money Mail can reveal.

Millions who live 'unofficially' risk invalidating insurance and fines by failing to updating their address details

Nomads: Almost 7 million people in the UK are living at an unofficial address putting them at risk of invalidating their insurance and losing important letters

Householders could be invaliding their home insurance policies if they don’t inform their insurer of all the people living at their address.

New telephone hotline promises to pass on customers' rants about bad service to bungling firms

Get it out: The new Rant & Rave website helps customers share bad experiences of customer service

You can see a live stream of comments on its website www.66099.co.uk. The hotline number – 66099 – is free to call from a mobile phone.

'Ticking timebomb' endowment shortfalls will leave over 400,000 facing home sale

Forced to sell: Last year, the Financial Ombudsman Service saw the number of endowment mortgage complaints jump for the first time for years

'Tonight, on Tesco': Supermarket launches Clubcard TV giving 16m members free film and television streaming

Stream online for free: Tesco launched a new online TV and Film service for its 16million Clubcard customers today. Content will include The Shawshank Redemption and The Care Bears.

Tesco has launched a free online TV and film streaming service for its 16 million Clubcard members. Content available for customers to watch online includes The Shawshank Redemption and TV shows such as, The Only Way is Essex and The Care Bears.

Taxman to crack down on second home owners and buy-to-let landlords who sell without declaring profits

In the taxman's sights: Landlords and second home owners are the targets of the latest crackdown.

The tax authority has launched the campaign today to clampdown on those selling homes in Britain and abroad where capital gains tax should be paid.

Signs of property market improvement as house prices see biggest quarterly rise in two years, says Halifax

Life in the market: Purchases have also picked up in recent months, while Halifax said it expects to see an increase in prices over the course of 2013

The lender also said it expects to see a national increase in prices over the course of 2013 as it said the average house price moved up to £163,600.

Short-term savers with cash in fixed-rate deals face receiving up to a THIRD less than current bonds

Rainy day: Interest rates are expected to stay low for the foreseeable future while inflation will affect your interest. And it could get worse.

This week marks the fourth anniversary of rock-bottom interest rates - and there’s still no sign of light for savers.

Tycoon behind Zara named world's third richest person - while Saudi Prince attacks Forbes for under-rating him at £13bn

Amancio Ortega (left) is said to be the third richest person in the world. The Duchess of Cambridge is a fan of his fashion label Zara (pictured right wearing a Zara dress)

Spain's Amancio Ortega, the co-founder of the fashion group that owns Zara - a favourite of the Duchess of Cambridge - is estimated by Forbes to have a fortune worth £37.8billion. Meanwhile Saudi Arabia's Prince Alwaleed Bin Talal, not content with being placed 26th richest person in the world, has attacked Forbes magazine for understating his wealth.

'My insurer paid me £92 back for driving safely': Is this insurance the Carrot young drivers need to cut premiums?

Money back: Carrot Insurance customer Warren Reeves says that because he has been driving safely, he was rewarded with a £92 payment in the last quarter - read his full story below.

Drivers who sign-up with Carrot get a prepaid MasterCard. Warren Reeves (pictured) was paid-back £92 last quarter for driving safely, just six months after he passed his test. He can then use his MasterCard to withdraw the money - or use it in a number of retailers to get cashback.

ALEX BRUMMER: Fresh thinking for the Bank of England could sweep away cobwebs

Daily Mail City Editor Alex Brummer

The speed with which the Bank withdrew the Special Liquidity Scheme and the lengthy time it took to come up with the idea of Funding for Lending, which has begun to work, does not speak well for creative thinking.
If the Chancellor thinks he can sweep away some of the cobwebs by offering a more flexible and broader monetary mandate, so be it.

Triple-dip recession fears subside as services sector and high street sales stage revival

A rise in the index to above 50 meant that the services sector returned to growth in February.

The latest Markit/CIPS purchasing managers' index showed an overall reading of 51.8 for he services sector in February - the fastest rise in activity for five months.

Can the share price rally continue? The real test will come when the financial cocaine of cheap money ends

Keeping a watchful eye: Share prices suggest business confidence is returning to the markets

Stock markets are generally regarded as a significant indicator of the economic future, often rising 6-8 months ahead of a full recovery. But they are not infallible, says Daily Mail City Editor Alex Brummer.

'Bank of England's expensive experiments have hammered savers - but no one knows if they have done any good'

Rachel Rickard Straus

Anyone who has struggled to find an Isa that beats inflation, or squeeze even a pittance out of their savings will know the heavy cost of the Bank of England's experiments. But we will never know if it was worth it, says Rachel Rickard Straus.

Bond blockbuster Skyfall helps boost Cineworld profits by 15%

Bond boost: Ticket sales for the latest James Bond movie Skyfall helped Cineworld report profits up 15 per cent for the year.

Britain's second largest cinema chain Cineworld has been boosted by Skyfall, the latest James Bond release, despite a slight fall in ticket sales.

Profits soar so Standard Life rewards its shareholders with £302million windfall

Boom: As profits soar, Standard Life is set to pay out

Standard Life left its rivals in the shade, as it announced bumper profits and revealed plans to reward its shareholders with a £302million windfall.

Ministers to unveil housing Budget boost with expansion of 5% deposit mortgage scheme, say reports

Building blocks: Ministers want to boost building to help the economy.

Most eye-catching was the suggestion that the Government could expand its NewBuy scheme to include older properties.

SAM DUNN: Creating dubious products and mastering the art of mis-selling is hardly a banking 'talent' to admire

Talent: A brutal culture has simply rewarded sheer volume of goods sold over product suitability and customer service

Twice during the past seven days, my blood has begun to boil. The cause was a bank spokesman defending ludicrous salaries as ‘absolutely vital’ to attract talent. What nauseating tosh.

Now you can fix your mortgage for five years at 2.79% fee-free. What next for mortgage rates and should you fix?

Houses and calculator

Watchdog threatens to put payday loan firms out of business after it finds industry causing 'misery and hardship' to borrowers

Wronga: Payday lenders must prove they have changed their practices or will have their credit licences removed. Wonga - the largest payday lender - has insisted it is wrong to make it display APR interest rates.

The UK's 50 biggest payday lenders, accounting for 90 per cent of the industry, have been given 12 weeks to change their business practices or they could risk losing their licences. The OFT said that it may refer the industry to the Competition Commisssion after it found 'fundamental problems' with how the market operates, leading to 'misery and hardship for many borrowers'.

Npower profits soar by a THIRD hot on the heels of its inflation-busting winter fuel price hikes

Earnings spike: Npower's German parent RWE said the rise in UK profit was the result of efficiency improvements and higher gas sales volumes

The firm increased gas bills by 8.8 per cent and electricity prices by 9.1 per cent last November – pushing up its average dual fuel bill by £108 to £1,352 a year.

Buyers who need quick loans 'lose in mortgage war' with lenders dragging their heels over application processing

Held up: London & Country says it currently sees more complaints about delays at Virgin Money and Leeds BS

Homebuyers who need a quick mortgage are increasingly seeing their purchases scuppered by lenders taking too long to process applications.

New Tesco Clubcard deal means shoppers can increase their cashback rewards several times over - but beware the catches

Rewards: TopCashback customers can now exchange their cashback for Tesco Clubcard points, giving them the opportunity to more than double their money.

TopCashback has launched a partnership with supermarket Tesco to allow users to convert cashback into Clubcard points.

Pensioners lose up to £1,400 PER YEAR as spies snoop on health records before slashing payouts

Worrying: The tiniest clash with the information given by the customer can then lead to their payout being cut by hundreds of pounds.

New retirees are being deprived of thousands of pounds by suspicious insurers who snoop on health records — and slash pension payouts just months later.

Letting agents slammed by ad watchdog over 'hidden fees' that add hundreds to cost of renting

Rental headache: Many letting agents charge hefty fees in order for tenants to move in

The industry was criticised by the Advertising Standards Authority (ASA) for not being clear when it comes to charges relating to rental properties.

Can you use your pension to pay less tax? Last minute tips for high earners before tax changes kick in next month

Tax efficient: Higher earners can tax advantage of generous tax breaks on pension savings to avoid their overall tax liabilities.

This is Money and pension provider AJ Bell explain how savers can best use of tax breaks to boost their pension savings while reducing their liabilities.

LEE BOYCE: I was refused answers as a Wonga fraud victim - seemingly to protect the fraudster's data. What can I do next?

Lee Boyce: The victim of Wonga fraud

I was a victim of fraud but after Wonga wouldn't answer my plea to find out how it happened, I went to the Information Commissioner's Office - but did that help?

Halifax offers three £250,000 jackpot prizes in its May Savers Prize Draw as it looks to win Isa cash

It could be you?: Halifax is offering three top prizes of £250,000 as it looks to tempt in Isa cash

Savings rates in general have been at record lows this Isa season but Halifax is hoping the promise of a premium bonds-style windfall will be enough to attract savers.

Third of households haven't switched broadband in four years - despite prices dropping by more than 50%

Switch: Broadbandchoices.co.uk says that nearly a third of people have not switched broadband supplier in the last four years - missing out on savings as prices have fallen to half the cost during this time.

Almost 40 per cent of households have not switched in four years, despite prices being cut in half during the same time.

Nearly 5m homes living in food poverty as report finds shocking rise in families turning to foodbanks for help

Feeding the family: inflation has forced more people to use foodbanks and families more families have been forced to make cutbacks

Money troubles arising from job losses, rising food prices and benefits changes mean that around 4.7million Brits could be described as living in food poverty.

Be careful where you retire! It costs £4,000 MORE to be a pensioner in London than in Cardiff

Huge gulf: It costs £4,000 more a year to be a pensioner in London than it does in Cardiff.

The average cost of being a pensioner in the UK is £10,020-a-year, according to a study by Key Retirement Solutions, with housing and heating the biggest cost ahead of food and drink.

Watch out for £50 renewal fee just to stick with the same motor policy

Keeping an eye out: Drivers should watch out for renewal fees charged just for staying on the same policy

For example, broker Hastings Direct now hits motor insurance customers with a £20 charge for renewing their policies. Last year, it levied just £5.

Hard-up households now spend more than a QUARTER of their weekly budget on running a car

On the road: Latest petrol price figures show the cost of filling up is continuing to put the squeeze on motorists

The poorest households in the country are spending £44 a week on motoring expenses out of a total seven-day budget of £167, according to the RAC Foundation.

How exaggerating your salary when applying for a loan can scupper your credit file

Loadsamoney: Pretending you earn more than you actually do when applying for credit can affect your credit score.

As many as four in ten borrowers lie about how much they earn when making an application for credit, new research suggests.

We've saved up and work hard, but will bad credit from my past prevent me buying a home with my partner?

Applying for a mortgage? Credit history advice for couples

I have been working on improving my credit score, which used to be poor. Is there any chance of buying a property with my partner? Or should my mum step in on my behalf?

Our picks: This is Money's five favourite best buy cash Isas for 2013

number 5

We pick our five favourite cash Isas for savers. This is essential Isa reading and is kept up-to-date throughout the year

Compare your pay to the national average in your job: League table of official UK salaries

Midwives in the UK get paid on average £29,248 - check in our official tables how your salary compares to the national average in your profession

Midwives in the UK get paid on average £29,248: so where does your salary fit into the national league table? Check our table of HMRC pay figures for Britain's best - and worst - paid jobs.

What next for savings rates? Our expert on forecasting fixed bonds and variable deals

coins

Savings rates have had a rocky ride. We chart what has happened and where rates are heading

Now you can fix your mortgage for five years at 2.79% fee-free. What next for mortgage rates and should you fix?

Houses and calculator

Co-op Bank has removed the arrangement fee from its top five-year fixed rate - allowing borrowers to lock in until May 2018 at 2.79 per cent. So is now the time to fix?

When will UK interest rates rise? Four years of record low 0.5% base rate and a rise moves further into the distance

Bank of England in London

Play your cards right: The best credit cards for spending, holidays, rewards or clearing your debts

Play your cards right: We pick the best credit cards for spending, rewards, travel and clearing debt.

We have scoured the market and picked out what we believe are the best credit card deals to help you make the most of your money.

Five holiday cash tips: where to get the best exchange rates and the best pre-paid and credit cards to use

Savvy shopping: Avoid debit and credit cards fees on withdrawals or transactions with a specialist holiday card

With sterling on the slide this year against the euro, dollar and a host of other currencies, British holidaymakers will be looking for ways to maximise the spending.

Premium Bonds winners

March 2013
Prize value Winning bond No. Area
£1,000,000 19ZV261442 Kent
£100,000 63QM826578 Leicester
£100,000 130TW951259 Derbyshire
£100,000 126GH541776 Bromley
£100,000 113KR306146 Norwich
£100,000 67GN975913 Staffordshire
£50,000 66KT257918 Stockport
£50,000 157TC529868 Edinburgh
£50,000 169EA469528 East Riding of Yorkshire
£50,000 153ZP310626 Lincolnshire
£50,000 54NE241308 Enfield
£50,000 184AP781420 Liverpool
£50,000 87DR626882 Devon
£50,000 22GF293518 Outer London
£50,000 198DT355236 Norfolk
More Premium Bonds winners

Tourist rates

Currency Rate Buy now
Updated 10 Mar 2013.
Euro 1.1235 Buy Now
US Dollar 1.4625 Buy Now
Australian Dollar 1.4162 Buy Now
Canadian Dollar 1.5039 Buy Now
Chinese Yuan 8.9426 Buy Now
Croatian Kuna 8.3855 Buy Now
Czech Koruna 28.053 Buy Now
Danish Kroner 8.2466 Buy Now
Egyptian Pound 9.5679 Buy Now
Euro 1.1235 Buy Now
Hong Kong Dollar 11.285 Buy Now
Hungarian Forint 328.07 Buy Now
Japanese Yen 137.89 Buy Now
Malaysian Ringgit 4.4688 Buy Now
New Turkish Lire 2.6079 Buy Now
New Zealand Dollar 1.7709 Buy Now
Norwegian Kroner 8.2084 Buy Now
Polish Zloty 4.5686 Buy Now
Singapore Dollar 1.8135 Buy Now
South African Rand 13.31 Buy Now
Sterling 1.0 Buy Now
Swedish Kroner 9.1704 Buy Now
Swiss Franc 1.3811 Buy Now
Thai Baht 42.74 Buy Now
UAE Dirham 5.3532 Buy Now

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'Tonight, on Tesco': Supermarket launches Clubcard TV giving 16m free film and television streaming

Stream online for free: Tesco launched a new online TV and Film service for its 16million Clubcard customers today. Content will include The Shawshank Redemption and The Care Bears.

Tesco has launched a free online TV and film streaming service for its 16 million Clubcard members.

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