How to do more with the money you have Smarter ways to spend, save and invest your cash

Spend, save and invest more wisely with our expert tips

The past year has shown us how important financial security is in an unpredictable world. But it’s also helped many of us realise our finances are much more flexible than we believed. ‘Many people who were never able to save could during lockdowns – because money wasn’t going out on haircuts, eating out, socialising and kids’ clubs,’ says Simonne Gnessen, of Wise Monkey Financial Coaching and co-author of Sheconomics

(£8.99, amazon.co.uk). ‘Others may be in financial chaos if they have lost jobs or fallen through the gaps of state support.’

Whatever state your coffers are in, learning to manage your money better will help you spend smarter and plan for the future. Too often we see money as a barrier to significant life change when the real problem is our poor management skills. Here’s how to do more with your money and ensure a safe future is in the bank...