Household bills keep rising and our incomes simply aren’t keeping up. So it’s time to ensure you are not wasting a penny of your money and ensuring you get the best deals on all your finances.

We all need a boost to our income from time to time. But if you are retired finding the cash for bigger items, like home improvements or a new car, can be difficult.

There is an option for those who own their home and that could be to unlock some of the value of your property via equity release. This could give you a tax-free lump sum to help make your retirement more comfortable.

Work out how much cash you think you will need and what you need it for – both now and in the future.