The Money Saving Expert said that households on certain tariffs could have to pay more now to have a far smaller bill later

Martin Lewis has issued some urgent advice around Lifetime ISAs, explaining that there are certain people who should try open it as soon as possible while others might not need to bother with it at al

As Money Saving Expert makes clear in their latest newsletter, Clearpay charges a late fee of £6. That is capped at either £24 or 25% of the order value, whichever is lower. For Klarna, the late fee is £5, with the standard fee being £5 or 25% of your order value, whichever is less.

The consumer expert explained many people are being stung by LISAs and said people using it to buy a home costing more than £450,000 are effectively 'fined'

Martin Lewis has issued some urgent advice around one government savings product, explaining that there are certain people who should try open it as soon as possible while others might not need to bot

Martin Lewis has issued a stark warning to UK households as millions of Brits face a financial hangover in the new year as they try and fund the festive season

Martin Lewis has warned that people across the country may be doing more financial harm than good by buying loads of presents for Christmas

The MoneySavingExpert.com founder said the warning is "urgent" as he told people to stock up before the end of the month

The money-saving expert has warned on BBC Radio 5 Live that you could be doing more harm than good by buying presents for everyone you know this Christmas

Although Christmas may still feel a mile away it is not too early for those travelling via train to start planning their journey.