• 23% do not know a debit card is linked to a current account.
• 44% do not know the difference between a credit/debit/pre-paid card.
• 45% do not know the APR of their credit card.
• 24% do not understand what a credit rating is.
• 61% do not understand the effect inflation has on savings and investments.

The working population need to brace themselves for significant increases in national insurance contributions to pay for the rapidly growing number of pensioners. This is in spite of the current and phased increased age at which a state pension can be drawn.

Over the next 25 years it is projected that:

• The life expectancy of men and women will increase by an extra 5 years.
• 44% increase of those aged 65.
• 32% increase in those eligible for a state pension.
• A 12.5% fall in the number of people of working age for every person of state pensionable age.  

1. Cutting your expenses by just £4 per day (equivalent to two Cupochinos) could save £140,000 over 40 years. Click here
2. See how a 20 year old can enjoy an annual pension worth £21,000 by contributing just £5 per day. Click here
3. How a 1% improvement in your mortgage rate could save you £64,000. Click here
4. Discover eleven tax free investments. Click here
5. See how you can save £80,000+ in car ownership costs. Click here
6. Any savings/pensions you had 20 years ago will have nearly halved in value as a consequence of inflation. Click here
7. With inflation (RPI -Retail Price Index) at 3.7% in February. This means any money you have had has lost 3.7% of its value over the last year. To counter this you will have needed to earn an interest or growth rate of 4.6% or 6.2% if a lower or higher rate tax payer respectively just to stand still. 
8. You can rent out a room in your house tax free if the income does not exceed £4,250 per annum (£81 per week).
9. Children do not pay tax on savings income unless it exceeds £8,105 in the tax year.
10. Students maintenance loan from the Student Loans Company is the cheapest loan available being based on RPI or Bank of England base rate +1%, whichever is lower.
11. The key to increasing savings is through budgeting, it is the single most effective way to free up money and maximise your income. Click here

• Gaining relevant knowledge about money and how to manage it?
• Reducing taxes you pay?
• Accessing simple & effective saving tools?
• Looking at the impact on starting a pension at an age of your choice and being able to change all variables.
• Taking active control of your finances?
• Being able to tailor scenarios, calculators and tools to your own circumstances?
• Being able to compare different investment strategies historical performance?
• Accessing impartial and unbiased information?
• Source information from an organisation that receives no referral commissions?

• Reduce/eliminate debt.
• Reduce the cost of debt.
• Manage outgoings without major changes to your lifestyle.
• Achieve your savings objectives faster.
• Be able to retire early?
• Retirement savings & pensions.
• Become more financially aware and confident in your ability to realise your financial goals.