About the Author: Carl Michael

Carl is the editor-in-chief of Money Saving Answers and has worked as a financial journalist for over a decade.

He holds a BSc in Business and Finance, and has an extensive background in print and digital journalism, PR, marketing, and research.

His work has been published in well-known UK trade and consumer magazines, where he has covered everything from household budgeting to personal finance strategies.

His passion for helping people make smarter money decisions was sparked after experiencing redundancy in 2012. Since then, he has dedicated his career to sharing practical money-saving tips, answering readers’ financial questions, and testing products and services to help consumers get the best value for their money.

Outside of work, he enjoys hiking, sailing, off-road motorcycling, and the creative pursuits of photography and videography

Articles are reviewed and fact-checked according to our editorial standards.