If you do one thing...

If you’re saving to buy your first home or for retirement, look at Lifetime Isas, which can be opened by anyone aged 18 to 39. You can put in up to £4,000 each year (until you’re 50) and the government will give you a 25% bonus of up to £1,000 a year on your savings. You need to have had the Isa open for at least 12 months to be able to use it towards your first home. Find a full guide at moneysaving expert.com.