TIP: Get cheaper property insurance - Reduce your expenses by shopping around for your buildings and contents insurance. It's convenient to buy from your lender, but search the market and you could save a packet.

Do a budget. Make sure you use realistic figures. Keep a record of all the money that you spend for a month. Factor in yearly expenses the the TV Licence and car tax. Review and update it regularly. A co-ordinated budget allows you to understand just how much you can truly afford to pay for anything monthly.  Money problems can lead to divorce or depression. Worse, when you have a real emergency, you’re caught if your finances are spread too thin.