How to beat that urge to splurge

I met a financial planner this week because I thought it was about time I started putting some money away for my pension.

Ever since we have had kids, our money comes in and then goes straight back out again.

There is very little to save at the end of each month.

But our adviser’s top tip was to save and then spend, rather than spend and then save. I know that sounds like common sense, but apparently many of us are doing the latter.

If we just changed our mindset and put some savings aside before spending what’s left, we’d do better.

You don’t have to put a lot aside to get results. If you put £50 away every month for the next 20 years at an interest rate of 2 per cent, you’d end up with a lump sum of over £14,000.

Wouldn’t that come in handy? NOT VERY LIBERAL