SEVEN TIPS TO GET YOU STARTED

TRY to save between 50 and 75 per cent of your earnings.

STOP buying needless gadgets — if there’s anything you really need (such as a drill for odd jobs around the house) you can often hire it from a special tool ‘library’ for a small fee. Ask your local council or visit libraryof things.co.uk.

GIVE up on needless fripperies. Do you really need to spend more than £6 on a bottle of wine? Would a run round the park be as good as a gym membership? Will your partner really appreciate gifts worth hundreds of pounds — or is something small and thoughtful enough?

TRY to 5:2 your finances — spend only at the weekend and as little as possible during the week.

STOP online shopping. Delete any apps and block tempting emails sending you offers.

SAVE here and there: pop change into a jar and don’t fritter it. Take your jar to the bank once a month and put it straight into savings.

READ the Mail’s MoneyMail section on a Wednesday for brilliant tips on how to make the most of your nest-egg.