Top tips

MAKE it your mission to get your kids into the savings habit. Apps such as go Henry let you pay pocket money into an online account and monitor how your child spends it. They will get a pre-paid card you can limit to using in-store, online or at cash machines. You set tasks so they can earn extra and invite relatives to contribute, too. There is a monthly fee of £2.99 and a 50p fee if you load up the account more than once a calendar month.