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'

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.

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 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

Money expert Martin Lewis is urging people born in these years to put £1 in an account right now. The finance guru is uring anyone aged between the ages of 18 and 40, so born between September 20, 1984 and September 20, 1986 to put £1 in an account right now in order to qualify for an instant £1,000 bonus.

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

Speaking on the latest episode of his Martin Lewis Podcast, the MoneySavingExpert.com founder explained how a Lifetime ISA account could give you a free £1,000 each tax year

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.