Rachel is group personal finance editor for Moneywise

Likes: Helplines manned by people rather than computers

Dislikes: Small print

Top Tip: Never accept your first offer - shop around and negotiate

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Rebecca is editor of Moneywise.co.uk

Likes: Discounts in shops

Dislikes: Housing market doom and gloom

Top Tip: Budget to beat the credit crunch

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Johanna is editor of Moneywise magazine

Likes: True independent financial advice

Dislikes: Tied advisers selling PPI

Top Tip: Always shop around

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Nathalie Bonney is staff writer at Moneywise

Likes: Online discount vouchers 

Dislikes: Estimated energy bills

Top Tip: Make do and mend

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Esther Armstrong is editorial assistant of Moneywise

Likes: The ease of internet banking

Dislikes: Shops bombarding you with 'unmissable' offers

Top Tip: Fight consumerism - do you really need it?

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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