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Pay it off regularly and fully to ensure the cashback you receive isn't eclipsed by the charges.

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The service brands itself as “discreet”, and simply picked two popular American girls’ names as the company name. The website simply means that they won’t cheat with a colleague or close friend. Ashley Madison plans to float on the London Stock Exchange this year. There are also far more explicit examples, which we won't mention here. As Noel Biderman told The Telegraph five years ago: “I can’t worry about people thinking I’m a ghoul, because I’m pretty sure that history will treat me differently.

We should see the company as “a safe alternative,” he says. Users also state whether they’re looking for a cyber affair, long-term relationship or short-term fling. It’s 2010, people: time to redefine morality.” The Big Short, the film adaptation of Michael Lewis' book of the same name about the causes of the financial crisis, opens in UK cinemas this weekend.

You can stop imagining and start thinking about the repercussions, because this is much closer than you may think.

Ashley Madison is a dating website aimed at people who are already married. The website offers affair guidelines, with advice on how to cover your tracks. In its defence, the company's chief executive Noel Biderman says that someone wouldn’t go to Ashley Madison unless they were already planning on having an affair. But the Canada-based company decided London was the best place for an IPO because of Europe’s relaxed approach towards infidelity. Ashley Madison is planning to launch in Russia, Ukraine and the Baltic states later this Spring. Users' profiles explain what they’re looking for, which can be specific as, “bubble bath for two, gentleness, sensual massage”.

and balance transfer deals is probably your best bet if you're a regular shopper, alongside its 25 month interest free balance transfer window with a 2.9% fee and 0% on purchases, also for 25 months, followed by 18.9%.

who are really on top of their credit card repayments (and won’t get hit by astronomical interest rates) and are prepared to stomach the significant annual fees involved, you’d be hard-pushed to beat the But what if you’ve already run up the debts and despite your best efforts to drive down your borrowing, have come to the end of your 0% interest deal before you've paid it off?

If it's time you need, MBNA's 42 month interest free balance transfer deal on its 42 Month Platinum Credit Card offers 39 months interest free to clear the balance you transfer.

For a 0% transfer fee you'd be mad not to go for it if you've got debts you need to re-organise. No matter what your circumstances, credit card preferences or spending plans, the golden rules are to be realistic about what you can afford to spend and ultimately repay, be disciplined about repayments by setting up a direct debit every month, and remember that credit card providers are out to make money, not solve your financial problems for you.

If you wear glasses or are into people who do, try Spex, for example. But whether you’re after a meaningful relationship or just some casual dates, there’s an almost overwhelming number of dating apps from which to choose nowadays.

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