Rachel is the editor of Moneywise

Likes: Helplines manned by people rather than computers

Dislikes: Small print

Top Tip: Remortgage, remortgage, remortgage!

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Johanna is the deputy editor of Moneywise

Likes: True independent financial advice

Dislikes: Tied advisers selling PPI

Top Tip: Always shop around

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Rebecca is the news editor for Moneywise

Likes:7% plus rates on saving accounts

Dislikes: Housing market doom and gloom

Top Tip: Budget to beat the credit crunch

More about Rebecca Atkinson

Liam is a staff writer for Moneywise

Likes: Being rewarded for loyalty

Dislikes: Sky-high mortgage fees

Top Tip: Don't be afraid to haggle

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Nathalie Bonney is the Editorial Assistant at Moneywise.

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Sarah Coles is a freelance columnist for Moneywise

Likes: Asking enough questions until I find the catch

Dislikes: Organisations that make you jump through endless hoops to get a good deal

Top Tip: Make time for the small print

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Tony is Consumer Champion of the Year 2006 and 2007.

Likes: The internet, particularly message boards, as a source of instant information.

Dislikes: Products with terms and conditions so complicated that you need a PhD to understand what you're buying.

Top Tip: Be cynical! The cynic is often safest.

More about Tony Hetherington