101-150 points MISS OVERWORKED THE FAMILY BANKER
There’s no doubt you’re thrifty, but don’t always put other family members’ financial health above your own.
Make a list of your family financial commitments and your own goals. This should help you identify if you need to redistribute your money.
The expert advice: ‘Paying into a pension at any age can make a difference to your income in retirement, but you should also check your state pension records – you may be eligible to receive additional National Insurance credits, which may increase your state pension income,’ says Sara Wilson, head of platform proposition at Alliance Trust Savings. Visit gov.uk/checknational-insurance-record.