Up to 50 points MISS FAR TOO CAUTIOUS THE PENNY PINCHER
You count every penny but you might benefit from more flexible thinking.
Tying everything up into long-term savings means you’ll be financially secure, but you may need access to emergency funds every now and again, so it’s worth keeping some of your savings somewhere accessible.
And don’t forget, there’s a maximum tax-free amount you can pay into your pension so keep an eye on your annual and lifetime allowances, or you could get stung.
Think realistically about how much you need to put away each month as you may find you can do this easily and still have some money left over to treat yourself – and your family – every once in a while.