Amy Roberts

Senior Money Writer

As one of MSE's Money writers, Amy's main topics include student loans, credit scoring, budgeting and buy now, pay later. Having worked at MSE for over a decade, Amy has covered everything money related over the years, from mortgages and pensions, to investments and reclaiming.

Before joining MSE in 2013, Amy worked as a Senior Features Writer at Financial Adviser (a Financial Times business publication), and was also a Senior Reporter at Post, a magazine from the insurance industry, after qualifying as a journalist in 2009.

As a busy mum of three, Amy spends any spare time she has running the streets of her home town Norwich, or attending a dance class – a hobby she has continued since she was three years old.

Amy has been recognised twice at the British Insurance Brokers' Association Awards – she was named runner-up for the Online Award in 2011 and was highly commended in the Trade Feature Award category in 2012. She was nominated for the General Insurance Journalist of the Year at the 2010 Association of British Insurers Financial Media Awards, for Trade Newcomer at the 2012 Santander Media Awards and for General Insurance Journalist of the Year at the 2012 Headline Money Awards.

Latest from Amy Roberts

Taking financial advice does come with a cost. But when it comes to making life-changing financial decisions, it might save you money in the long run. This guide will help you understand what a financial adviser is, whether you need to use one and how to find one. Plus, most importantly, how much it'll cost.

19 May 2026

Pensions can be complicated and your money needs to last you throughout retirement. If you've got workplace or private pensions, taking the money at the right time and in the right way will be important, and getting it wrong can be costly. This guide takes This guide gives you an overview of what you need to think about when thinking about how to access your money – and where to go for free guidance.

19 May 2026

If you have two or more private or workplace pensions, consolidating some or all of them in the same place can have benefits, though there are things to consider before deciding if moving them is the right option. This guide gives you an overview of what you need to think about when combining your pensions – and where to go for free guidance.

19 May 2026

The costs attached to attending university can be eye-watering, with lots struggling to get by solely on student loans to cover living costs. But many students don't realise they might be able to apply for extra funding – essentially FREE money from grants, scholarships and bursaries. Here we take you through the types of funding available and who is most likely to qualify – plus some options for those studying outside of a uni setting.

14 May 2026

Jar containing coins with a label reading "retirement" on it.

Saving for retirement is crucial. Many of us typically only work about 45 years out of an 85(ish)-year lifespan - so that work income needs to cover those non-working years. Pensions also have two big superpowers – tax relief means the Government tops up your pension pot and, if you're employed, your employer often must do the same, resulting in a 'hidden payrise'. We talk through what you should know.

12 May 2026

If you're in a financially stable situation yourself and have maxed out alternative savings accounts for your child, then saving into a pension for them could be an option. While they won't be able to access it until they're at least 57, it can help ensure they have a more financially secure retirement. This guide looks at the pros and cons of opening a children’s pension, how much you can save, and which providers offer them.

12 May 2026

Nothing's as certain as death and taxes. Yet while there's no doubt we'll all be taxed, the rates can change rapidly. This guide covers income tax thresholds, the personal allowance, national insurance and more for the 2025/26 tax year.

12 May 2026

Woman looking online with some paperwork in her hand

There can't be many more (potentially) profitable uses of time than to spend a bit of it checking if you've any lost pensions – especially for those who worked for lots of different firms over lots of years. Over three million are thought to have gone astray, worth an average of £9,500 each (though some can be far bigger). This guide explains how to find lost or old pensions for FREE, which could help bolster your retirement.

12 May 2026

The Financial Services Compensation Scheme (FSCS) doesn't just protect your savings. If you've an insurance, investment or pension product with a regulated company that's gone out of business, you may also have FSCS protection. It could prevent you from being left £1,000s or even £10,000s out of pocket – even if the company went bust decades ago.

7 May 2026

Most money related conversations while at uni focus on your student loan. While its a debt of sorts, there’s other more serious debts you could take on as a student that can have dire consequences if used incorrectly. This guide talks you through what debt is, how to budget and where to get help if you find yourself in debt.

6 May 2026

Credit unions, also sometimes called community banks, offer an alternative to traditional banks and building societies for saving and borrowing – especially if you've found it tricky to access financial products in the past. We explain what credit unions do, who can use them and what they can offer.

6 May 2026

The cost-of-living crisis means more and more people are struggling with debt. But even if you're struggling to make ends meet, your debt problem isn't unsolvable. It might not be easy or quick to resolve, but there's always a route. And the earlier you tackle your debts, the easier they are to deal with. Our four-step guide shows you where to start and how to get free one-on-one help.

28 April 2026

The problem with most budgets is they don't work. While they look at a typical month's spending, what about birthdays, that tooth filling you have to pay for and other one-offs? This guide gives you some helpful tips and tricks and includes a free Budget Planner, which analyses your finances to help you manage and control your cash.

28 April 2026

Student loans - the truth about uni fees, loans and grants

If you live in Northern Ireland and decide to go to university, you'll be on a different student finance system to the rest of the UK, regardless of where in the country you go to study. There are 11 key things you need to know about how this work if you, or someone in your family, is applying for a 'Plan 1' student loan in Northern Ireland.

8 April 2026

Wales has had the same student loans system for over a decade, yet there are still misconceptions about how it works, with many students (and parents) worrying about leaving university with £10,000s of debt. But that worry is mostly misplaced. This guide is written to bust common myths about how these 'Plan 2' student loans work for Welsh students who started uni since 2012.

8 April 2026

MSE's 5 need-to-knows about 'Plan 5' English student finance.

September 2023 saw the biggest shift in student finance for a decade, as new 'Plan 5' loans launched for new higher education starters from England. Paradoxically, the changes are both subtle and massive. On the surface it looks like a tweak, in practice it will increase the cost by over 50% for many typical graduates and double it for a few.

7 April 2026