Only ever use reputable cashback sites – they are free to use so do not pay to join

Three ways to take control of your cash

1 Need help with budgeting? Take a look at Moneyhelper’s budgeting tool. It’s a great way to understand where you can make savings. (moneyhelper.org. uk/en/everyday-money/budgeting/ budget-planner)

2 Transfer credit card debt to a 0% interest balance transfer to save on interest charges. You could get 22 months interest-free with M&S Bank**. Before you apply, ask the credit card provider for a ‘soft search’ to avoid impacting your credit score.

3 Overdrafts can now cost as much as 40% in interest. If you occasionally need some wriggle room, use a bank that gives you an interest-free buffer – both First Direct and M&S Bank can offer £250 interest-free overdrafts**.