On the quieter days of the week - Monday and Thursday being the obvious examples, keep any cash or credit cards firmly in your wallet.

The clue is in the name when it comes to the biggest problem with credit cards; as soon as you start using one, you're in debt not credit.

It can often be difficult to stick to your budget when you have a credit card or debit card in your wallet. Avoid overspending...

It's important to balance your income and planned expenditure each month to avoid overspending.

If you're a responsible adult who takes the occasional holiday, chances are you'll have an insurance or two - from health and home, to trave

Write all of your monthly spends down in a fit-for purpose spreadsheet. It's the small purchases that really count here. You might think tha

To find out if you're getting the best deal, use an online price comparison tool. Once you've secured the most cost-effective deal, make sur

Overdrafts come in handy but if you don't need such a 'generous' overdraft, ask your bank to reduce it, or get rid of it completely.