Many people believe that the savings habit is something you are born with: it cannot be learnt.
If this is the convenient excuse that you have been using for years to avoid thrift, then we are here to help you mend your ways.
Everyone needs a rainy day fund, whether it’s for the deposit on a first home, or for a grown-up gap year. Everyone also needs to make some provision for old age.
Record-low interest rates are an excuse not to save. The returns currently available on deposit accounts may be less than generous, however, you still need money put away as a buffer against hard times.
In this, the second of our five expert guides, we set out your options, ranging from regular