Savvy with MONEY

Need help with your budget? Take a look at the budgeting tool on the government’s Moneyhelper site, moneyhelper.org.uk, under Everyday Money tab.

Do you have credit card debt? Apply for a 0% interest balance transfer account to save on interest charges. For example, you could get 29 months interest free with Sainsbury’s Bank**.

Overdrafts can cost up to 40% in interest. Use a bank that gives you a buffer, such as First Direct or M&S Bank, which offer interest-free overdrafts of up to £250**.