Poll

Haggling can result in big savings – on anything from digital TV and broadband to breakdown cover and car insurance. Each year we try to gauge the success rates of those who have done it. So whether you've got cheaper prices, extra goods or better deals, please let us know how successful you've been in this week's poll.

If you pay for your energy bills by monthly Direct Debit, your provider could be sitting on hundreds of pounds of your money. So we want to know whether you have any credit on your energy account.

If you access your current account through your bank's app, please rate it. Only rate the app and its features, not the bank overall. If you have more than one current account, please rate all the apps you use (though don't rate a bank's app if you only have it for savings, credit cards, a mortgage or anything else).

This isn't about price, we can do that, please rate your most recent home BROADBAND provider's customer service over the past SIX MONTHS.

Many airlines now sell upgrade capacity at the desk. So are the days of trying to sweet-talk check-in staff to get a free upgrade to premium economy, business, or first class, long gone? We want to know whether you've had an upgrade recently (IN THE PAST THREE YEARS) and how you bagged it.

Every six months, we ask for your help to track the quality of customer service provided by banks. By comparing your answers with last time, we can see which have got better or worse. Please vote based on CUSTOMER SERVICE for your main CURRENT ACCOUNT over the last SIX MONTHS. Ignore rates or any other products, and service if it's more than six months old.

We want to find out how each provider rates for service (how it treats you) and coverage (how strong the signal is when you need it). In truth, there are only four main networks providing signals – the rest use these, but under their own brands. Please rate the firm that provides your mobile phone bill (if you've switched networks recently, please rate the provider you were with the longest over the last year).

It's Christmas, so for this week's poll we're going to have a bit of fun. If you could choose only ONE chocolate from ONE selection box (Celebrations, Cadbury Heroes, Roses or Quality Street), which would you choose?

Once again, it's been a tough year financially. Household bills and mortgage rates have remained high, leaving many feeling the pinch. But not everyone's affected in the same way... for example, those without mortgages or those still locked into cheap mortgage deals with a reasonable amount in savings will be getting decent interest. So in this week's poll, we want to ask how you've fared financially in 2024, and whether you feel better or worse off than last year.

The festive season is the highest spending period of the year for most people. So this week we want to know – including food, drink, decorations, presents, travel and more – how much are you planning to spend on Christmas this year, and is it more or less than you would typically spend?