ARE YOU A SAVVY SUSAN OR SLAPDASH SOPHIE? TOT UP YOUR ANSWERS

MOSTLY As — SAVVY SUSAN

CONGRATULATIONS! You are well on track to building your wealth and are probably the one others go to for financial help. But don’t be complacent — we’ll be sharing plenty of tips that could boost your finances even further. Look out for Friday’s guide on how to pass on wealth to your children and grandchildren.

MOSTLY Bs — STEADY EDDIE

YOU are in a good position and have probably taken care of basics such as a will and pension. Now is the time to really make the most of your money. Start by switching your bills to see how much you could save and use the extra cash top up your pension or overpay your mortgage.

MOSTLY Cs — SLAPDASH SOPHIE

IT SOUNDS like you tend to bury your head in the sand, so let today be the day that changes. Use budgeting tools and mobile phone apps that track your spending to work out where you can cut back. Get into a regular savings habit and ensure you are paying into a pension. The sooner you start, the better off you’ll be in the future.

MOSTLY Ds — PINCHED PETER

YOU may feel demoralised, but don’t despair. If you are struggling with debts, go for help to a charity such as StepChange (0800 138 1111, stepchange.org) . Check your credit score and see where you can improve it.