PLAN AHEAD SAVVY SAVING

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If the last year has taught us anything, it’s that we can’t predict our lives – but having a financial safety net cushions hard falls. Experts suggest you should have an ‘emergency savings fund’ which covers three months of living expenses. ‘If you struggle to save, start by building up to £1,000, then aim to cover one month’s living expenses at first – this will give you a chance to do freelance work or take a temp job if you lose your job, or cover the expense if the boiler breaks or car breaks down,’ says Esther.

PENNY PINCHING

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Switch your penny pot for the Moneybox app. This high-tech tool links to your debit and credit cards and rounds up any purchase to the nearest pound, setting aside the ‘spare change’ for savings and investment (which can be managed in-app).

PREP YOUR PENSION

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It’s never too late (or early) to start a pension. ‘Develop the habit of putting an amount away every month, then, every time you gain a pay rise, add a small percentage,’ says Esther. ‘If you’re working, you’ll have been auto-enrolled on to a workplace pension; take up the offer, don’t opt out. You will not miss that money from your pay.’