
Eventually though, no amount of hassle would counter the Martin Lewis factor. After years of getting his weekly Money Saving Expert emails, his face got to me. He looks so kind and supportive - like that new young teacher you once had who only wanted the best for you. Remember how he or she inspired you to do your best? Well I look at Martin's face and I feel like he's saying to me. "There's a recession on Mo, and you've got a family to think about. Are you absolutely sure you've done everything you can to save money?"

The switch hasn't completed yet, but the paper mountain has started arriving. So far seven letters from the original supplier, and five from the new. Phone calls as well, asking "Why are you leaving us?" but not going far enough to keep my business. I have yet to see whether this will go smoothly in the end and I don't know anyone who has made a smooth transition. Do you?